Business loan
A business loan provides a quick and straightforward way to finance your company’s growth, investments or daily operations. We tailor the loan amount and repayment terms to suit your business needs, giving you access to financing without delays or unnecessary bureaucracy.
What is a business loan?
A business loan is a financing solution that helps a company secure its cash flow, fund investments or support growth. In practice, it is a loan provided by a bank or another financial institution and repaid over an agreed period with interest.
A business loan can be used for many purposes, such as:
Strengthening working capital - Covering salaries, materials or seasonal expenses.
Investments - Financing new equipment, premises or digital solutions.
Growth and development - Marketing, hiring or expanding into new markets.
The loan terms depend on factors such as the company’s financial situation, available collateral and the policies of the financier. In some cases, Finnvera can provide a guarantee, which often makes it easier for start-ups and growing SMEs to obtain financing.
When sized correctly, a business loan is not just debt. It is a tool that supports the stability and long-term growth of your company.
Business loans starting from EUR 10,000
Konkretia Rahoitus makes it easier for entrepreneurs to apply for a business loan. We handle the entire process for you from start to finish, so you do not need to request and compare loan offers or collect the required information yourself. We gather the necessary documents, compare loan offers on your behalf and walk you through the options clearly before you make a final decision.
Our goal is to give entrepreneurs a quick and straightforward path to securing a business loan without any unnecessary hassle.
Do you need funding to grow your business, buy equipment or invest in new premises?
A business loan enables you to take the next step. Timely financing can support competitiveness, expansion or the development of new products and services.
The interest rate of a business loan depends partly on the collateral. The stronger and more liquid the collateral, the lower the interest. If the loan is secured only with personal guarantees, the interest rate is typically higher due to increased risk. Common forms of acceptable collateral include real estate, residential property, shares and land such as fields or forest estates.
A collateral pool allows the same security to be used for several loans, which is a flexible option if you do not want to tie up all your assets in a single loan. We can help you choose the collateral structure that best suits your business.
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