CapitalBox is a business financing service operating in Finland, offering both unsecured and secured business loans. Unsecured loans can be obtained up to €350,000, and secured loans can rise up to €3 million.
CapitalBox’s strength is individual service and expert advice. Pricing is tailored based on the company’s revenue, industry, and cash flow.
Who is CapitalBox for?
CapitalBox is particularly suitable for growth-oriented SMEs that need larger loan amounts for investments, business acquisitions, or significant development projects. Also established companies that value personal service.
Features
- Unsecured €5,000 – €350,000
- Secured up to €3,000,000
- Repayment period 6 months – 5 years
- Personal expert service
- Transparent pricing
- Digital application process
Pros and cons
+ Pros
- Large loan amounts possible
- Unsecured and secured options
- Expert advice provided
- Free early repayment
- Longer repayment period (up to 5 years)
− Cons
- Individual pricing – you only see the offer after applying
- Requires company to have operated for more than 6 months
- Minimum revenue requirement: at least €40,000/year
Loan terms
Company operating for at least 6 months. Annual revenue at least €40,000. Company owners reside in Finland. Finnish Business ID and bank account.
Possible costs
Individual annual rate (typically 8.9% – 25%). Individual opening fee. No mandatory monthly fee. Free early repayment.
Application process
1) Fill in the application online (approx. 5 minutes). 2) A CapitalBox expert contacts you and tailors an offer. 3) Sign the agreement digitally. 4) Decision typically within 1 business day, money in account in 1–2 days.
Repayment
Annuity loan with fixed monthly installment, repayment period 6–60 months. Early repayment is always free.
Customer experience
CapitalBox customers value personal service and flexibility. The company's experts help find the financing solution that best fits the company's situation.
Rate, costs and representative example
Representative example: €30,000 unsecured loan, repayment period 36 months, effective annual rate 14.9%, monthly installment approx. €1,035.
Frequently asked questions – CapitalBox
What is CapitalBox's minimum amount?
CapitalBox grants business loans starting from €5,000. Unsecured, the loan amount can rise up to €350,000.
Does the CapitalBox loan require collateral?
Not always. Unsecured business loans are offered between €5,000 – €350,000. For larger loans (up to €3M), collateral is usually needed.
How is the interest rate determined?
The rate is individual and based on the company's revenue, industry, credit rating, and cash flow analysis. Typical annual rate is 8.9% – 25%.
How long does the decision take?
The decision typically comes within one business day. Money is transferred to the account within 1–2 banking days of signing.