Where can I enter my e-invoicing address?
“You can provide the e-invoicing address by sending a message in our online service.”
Questions & answers
How do I proceed when applying for financing?
“Preparing for the financing negotiations in advance facilitates and speeds up the processing of your financing application.Read more about applying for financing.”
How long does it take to process the financing application?
“We aim to process applications for the Start Guarantee and SME Guarantee within three working days. In other financing requirements, we aim to make the decision within the time limits set by your project.”
How can I apply for financing?
“Your bank applies for a Start Guarantee or an SME Guarantee from Finnvera on your behalf.”
What I do, if I am unable to pay an invoice?
“If you cannot pay the invoice on the due date, contact us as early as possible.”
Should I make an appointment for discussing financing arrangements?
“Please contact your bank first. Financing is often arranged with the bank with Finnvera's guarantee. If you would like to discuss financing options that are suitable for your company with Finnvera, contact our customer service.”
I am seeking a loan from a bank for my company. However, I do not have the collateral required by the bank. Can I get guarantees from Finnvera?
“A partial guarantee provided by Finnvera may help you to get financing from a bank.”
Should I seek financing from a bank or from Finnvera? Are there differences between financing provided by Finnvera and financing provided by a bank?
“We recommend that you first apply for financing from your own bank. However, if you are seeking a loan from a bank but do not have the collateral required by the bank, a partial guarantee provided by Finnvera may be the solution.”
Why does Finnvera primarily grant guarantees?
“Finnvera complements the financial market and does not compete as a provider of financing with other providers of financing, but shares the risks associated with financing.”
Do I first need to establish my company before I can seek financing from Finnvera?
“Your company does not need to be operational when you submit your financing application. You can send the application in the name of the company you are planning to set up.”
Can I get financing if I am a part-time entrepreneur?
“Finnvera can also provide financing for part-time entrepreneurs. As with all other companies, we assess your prospects expecting that you are able to manage your business on a profitable basis.”
...I want to repay a Finnvera loan early?
“Early repayment is possible under the terms of the promissory note. Please contact our customer service well in advance.”
...the addresses or name of my company or its owners change?
“Notify Finnvera's customer service of any changes. Finnvera does not receive automatic address updates on the basis of notifications of move or from other address registers. Name changes are also not updated automatically on Finnvera.”
...the company form of my enterprise changes?
“Always notify the Finnish Patent and Registration Office of any official changes related to business activities. Finnvera uses the company's official data for the processing of financing projects.”
... I decide to close down my business?
“Always notify the Finnish Patent and Registration Office of any official changes related to business activities. Finnvera uses the company's official data for the processing of financing projects.”
...there are changes to company ownership?
“Always notify the Finnish Patent and Registration Office of any official changes related to business activities. Finnvera uses the company's official data for the processing of financing projects.”
...I need help with my financial trouble?
“If your company suffers from frequent payment delays and its financial situation looks worrying, we recommend that you contact the free Talousapu advisory service at tel. +358 (0)29 502 4880.”
What does de minimis aid mean?
“The imputed aid included in Finnvera’s financing is primarily provided as so-called de minimis aid. If the price or terms of Finnvera’s financing are below the EU’s market price level, the price difference is considered imputed aid.”
What does publishing de minimis aid information mean?
“The European Union State aid rules include a transparency obligation, which refers to the Member States' obligation to register certain types of aid granted to undertakings in a public register. The purpose of the public register is to increase the transparency of the aid received, making it easier for both the aid authorities and companies to monitor the aid.”
Which information about the aid a company receives is public?
“The information published in the register comprises the beneficiary’s name, business ID, the amount of aid granted, date of the decision, and the provider of the financing. In practice, the publication obligation only means registering these individual pieces of information in the aid register. In all other respects, Finnvera’s client data will continue to be confidential.”
Where can I find more information about de minimis aid?
“For more information on de minimis aid you can, for example, visit the Ministry of Economic Affairs and Employment's pages on de minimis aid.”
Data formats & record details
Download this profile and inspect its supporting evidence.
- Entity ID
- urn:readyscan:entity:finnvera-q11859693
- Material fingerprint
- fnv1a64:13fe648e665efc4c
- Entity revision
- fnv1a64:61ccda8cc37f5829
- Published
- 2026-10-23
- Modified
- 2026-10-23
- Source summary
- Finnvera: Finnish state-owned financing company. Website: https://www.finnvera.fi/