Business financing

Loans, guarantees, financing calculations, banks, Finnvera… confused?

No worries. At Konkretia Rahoitus, we'll help you find the right financing solution for your business, one step at a time.

You will have a dedicated expert who explains things clearly and handles the application process on your behalf. That way you can focus on what matters most: running and growing your business.

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 : for example, to cover payroll, material costs 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 helps finance investments, growth and business development when your own funds are not enough. The right financing at the right time can make it possible to expand your business, develop new products or strengthen your competitive position.

The terms and interest rate of a business loan are determined by several factors, including the collateral provided. In general, the stronger the collateral, the more favourable the financing terms you can obtain. Acceptable collateral may include real estate, housing shares, listed shares, as well as agricultural and forest property.

We help you find the financing and collateral solution that best suits your business, ensuring you receive a loan on the best possible terms and tailored to your business needs.

More flexibility for your cash flow

A credit line gives your business greater financial flexibility when income and expenses don't occur at the same time. It is a revolving credit facility linked to your business bank account, allowing you to access funds whenever needed, for example when customer payments are delayed, during seasonal fluctuations or to cover unexpected expenses.

You can use your credit line whenever needed and repay the amount used as your business receives income. This helps maintain your company's cash flow without having to apply for a separate loan every time additional financing is needed.

We help you determine the right credit line for your business and find the best available terms. This gives you a financing solution that supports your day-to-day operations and provides peace of mind in changing business situations.

Apply for a credit line

Apply easily for a credit limit

Contact Konkretia Rahoitus. We'll assess your business's financing needs and help you find the right credit line.

Use it when you need it

Your credit line is available whenever your business needs additional funding, whether your cash flow fluctuates or unexpected expenses arise.

Betala endast för den kredit du använder

You only pay interest on the credit you use, so you only pay for the financing you actually need.

A flexible solution for everyday business needs

A credit line provides an ongoing financial buffer without the need to apply for new loans and helps your business maintain healthy liquidity in all situations.

With Konkretia Rahoitus, you can obtain a credit line easily.

We handle the negotiations with the banks on your behalf and make the entire process as smooth as possible for the entrepreneur. We understand that business owners have busy schedules, so we are happy to visit your office to review the available financing options and discuss the appropriate credit limit together. We arrange financing based on your company’s needs and preferences.

Invoice financing gives you faster access to your receivables

Invoice financing quickly unlocks the funds tied up in your outstanding invoices. It helps keep your cash flow steady, so your business doesn't have to wait for customers' long payment terms.

The finance provider pays out most of the invoice amount immediately, and the remaining balance is paid once your customer has settled the invoice. This gives your business working capital for growth, investments and day-to-day expenses without unnecessary delays.

Invoice financing is particularly suitable for businesses that serve other businesses and offer long payment terms. It improves cash flow, reduces fluctuations in working capital and makes business planning easier.

We help you assess whether invoice financing is the right solution for your business and compare the best financing options on your behalf. This gives you access to a flexible financing solution that supports your business growth and day-to-day operations.

How invoice financing works

Contact Konkretia Rahoitus, and we'll assess your business's financing needs and help you choose the invoice financing solution that best suits your business.

You can continue invoicing your customers as usual without changing your current processes. Your invoices can be transferred for financing quickly and easily.

The funds are transferred to your business account quickly, helping you maintain a steady cash flow and freeing up working capital for day-to-day expenses, investments and business growth.

Invoice financing keeps your cash flow moving despite long payment terms

Invoice financing is ideal for businesses that want to improve cash flow and unlock capital tied up in outstanding invoices. It is particularly well suited to growing, seasonal and project-based businesses with long payment terms.

You gain fast access to the funds tied up in your invoices, improving your liquidity and making it easier to finance investments, growth and day-to-day business operations. The solution is flexible and tailored to your business needs without unnecessary commitments.

If needed, invoice financing can also be combined with payment reminder and debt collection services. This makes receivables management more efficient, saves you time and allows you to focus on developing your business.

Inventory financing supports purchasing and selling inventory

Inventory financing frees up your cash flow and enables you to increase your inventory without tying up working capital in stock. This allows you to purchase goods in advance, respond more effectively to customer demand and ensure reliable product availability.

The finance provider pays the supplier directly for the goods, and your business repays the financing according to the agreed repayment schedule. This helps stabilise cash flow, simplifies inventory management and gives your business greater flexibility to grow and develop.

Inventory financing is particularly well suited to retail, wholesale and manufacturing businesses whose operations rely on inventory. We help you find the financing solution that best suits your business and compare the best available options on your behalf, giving you access to flexible financing that supports your company's growth.

Flexible inventory financing for businesses of all sizes

Inventory financing helps free up working capital and stabilise your cash flow. Our financing partner pays the supplier directly for the goods, and your business repays the financing flexibly over a period of 1 to 5 months. This allows you to increase your inventory without tying up your own capital or providing collateral.

The financing amount is based on your company's financial situation, and the credit limit can grow as your business grows. Flexible repayment terms make cash flow management easier and give your business greater financial flexibility.

With inventory financing, you can stock your products before paying for them, maintain a stable cash flow and respond efficiently to customer demand. It's an ideal solution for businesses that want to free up capital for growth without unnecessary commitments.

FAQ

Frequently Asked Questions

What information is required to apply for financing?

We need the company’s key financial information, including the latest financial statements and interim reports (income statement and balance sheet).
This allows us to assess the company’s situation and build the best possible financing solution.

How quickly can financing be obtained?

Once we have the necessary information about the company, we can usually provide a financing offer within 24 hours.
We handle the entire process from start to finish and ensure that the financing progresses as quickly as possible

How does the process proceed after I have submitted the application?

We review the company’s details and financing needs and prepare a financing solution tailored to your situation
Once you approve the proposal, we take care of all the required paperwork and move directly to implementing the financing.

Is applying for financing binding or subject to a fee?

No. Our model is success-based, which means our fee is charged only if the financing is completed according to the approved solution.