Business financing 2026
Compare offers from Finland's best-known business lenders on one page. You often get a decision the same day and funds in your account the next business day.
Find the right financing for your business. Compare by loan amount, repayment period and interest rates – all offers in one view, without commitments.
Joustava yrityslaina 5 000 – 500 000 € ilman vakuuksia. Päätös usein samana päivänä ja rahat tilille seuraavana arkipäivänä.
Representative example: €50,000 loan, repayment period 24 months, monthly fee approx. 2.25% of drawn capital. Total cost depends on the amount drawn and time.
Suomessa toimiva yritysrahoittaja – vakuudeton yrityslaina jopa 350 000 €, vakuudellisena jopa 3 milj. €. Asiantuntijapalvelu ja joustavat ehdot.
Representative example: €30,000 unsecured loan, repayment period 36 months, effective annual rate 14.9%, monthly installment approx. €1,035.
Rates and terms are indicative. Final terms are determined by the company's business operations and credit rating.
A business loan is a flexible financing solution that lets a company fund growth, investments and day-to-day operations. Typical uses include:
Typically offered in amounts of €5,000 – €350,000 without pledged property. The decision is fast (often the same day), but the interest rate and monthly fee are slightly higher than with secured loans. Best for smaller investment needs and situations where speed matters.
For larger loan amounts (up to €3,000,000), the lender usually requires collateral – such as a business mortgage, property or personal guarantee. Rates are lower but processing takes a bit longer.
Works like a credit card: the business is granted a credit limit that it can draw and repay as needed. Interest is only paid on the used credit.
Common requirements:
The application is filled in online, typically in under 10 minutes. Identification is done with online banking credentials. The decision usually comes the same day, and money is transferred to the account within 1–2 banking days.
Pricing depends on:
The price is either expressed as an annual rate or as a monthly fee as a percentage of the loan amount. Always compare total costs – not just the rate.
Most lenders require 6–12 months of operation. Very early-stage startups are usually directed to Business Finland or banks' startup financing.
Yes – most lenders check the credit records of both the company and the responsible persons. Personal payment defaults can prevent the loan from being granted.
Most lenders give a decision the same day and funds reach the account the next business day. For smaller amounts, money can be in the account in hours.
Yes, all business loans compared on Lainafy can be repaid early without separate fees.
Not necessarily. Unsecured business loans are typically offered between €5,000 – €350,000. For larger loans, collateral or a personal guarantor is usually needed.
The interest costs of a business loan are usually tax deductible. Check the details with your accountant or tax advisor.
Get a decision often the same day – completely without commitment.