{"id":37,"date":"2025-06-11T17:14:49","date_gmt":"2025-06-11T17:14:49","guid":{"rendered":"https:\/\/konkretiakirjanpitofi-wp32468.test.cchosting.fi\/?page_id=37"},"modified":"2026-03-26T12:28:49","modified_gmt":"2026-03-26T10:28:49","slug":"yritysrahoitus","status":"publish","type":"page","link":"https:\/\/konkretiarahoitus.fi\/en\/yritysrahoitus","title":{"rendered":"Business financing"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"37\" class=\"elementor elementor-37\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5200fcd9 e-flex e-con-boxed e-con e-parent\" data-id=\"5200fcd9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2ce72f7f e-con-full e-flex e-con e-child\" data-id=\"2ce72f7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35984d0d elementor-widget elementor-widget-heading\" data-id=\"35984d0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Business financing<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7a3b73 elementor-widget elementor-widget-text-editor\" data-id=\"b7a3b73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"317\" data-end=\"506\">Loans, collateral, financial statements, banks, Finnvera\u2026 does it all feel confusing? No problem. At Konkretia Rahoitus, we help you find the right financing solution for your business, step by step.<\/p><p data-start=\"508\" data-end=\"819\">Together we look at what kind of financing best suits your company, whether it is a bank loan, a Finnvera guarantee, start-up financing or other options to support growth. We have pre-negotiated solutions with banks, which means you can move forward faster without unnecessary paperwork.<\/p><p data-start=\"821\" data-end=\"1006\">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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-552bce93 elementor-icon-list--layout-inline elementor-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"552bce93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/konkretiarahoitus.fi\/en\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home page<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/konkretiarahoitus.fi\/en\/liana-rahoitushakemus\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-slash-solid\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Business financing<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5735c387 elementor-absolute elementor-hidden-mobile elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"5735c387\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1500\" height=\"1500\" src=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-logo.png\" class=\"attachment-full size-full wp-image-2229\" alt=\"Concretia Finance logo\" srcset=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-logo.png 1500w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-logo-300x300.png 300w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-logo-1024x1024.png 1024w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-logo-150x150.png 150w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-logo-768x768.png 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1242cc7 e-con-full e-flex e-con e-child\" data-id=\"1242cc7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3725c18 elementor-widget__width-initial elementor-widget elementor-widget-video\" data-id=\"3725c18\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;hosted&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-hosted-video elementor-wrapper elementor-open-inline\">\n\t\t\t\t\t<video class=\"elementor-video\" src=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251020-rahoitusvideo_converted.mp4\" autoplay=\"\" loop=\"\" controls=\"\" controlslist=\"nodownload\"><\/video>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74e7f155 e-flex e-con-boxed e-con e-parent\" data-id=\"74e7f155\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2a568f0c e-con-full e-flex e-con e-child\" data-id=\"2a568f0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4e7f547 e-con-full e-flex e-con e-child\" data-id=\"4e7f547\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ec5b087 e-con-full e-flex e-con e-child\" data-id=\"ec5b087\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4f327c elementor-widget elementor-widget-image\" data-id=\"f4f327c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"794\" height=\"1024\" src=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-yritysrahoitus-1-2-794x1024.jpg\" class=\"attachment-large size-large wp-image-2240\" alt=\"Konkretia Rahoitus raised finance for the company\" srcset=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-yritysrahoitus-1-2-794x1024.jpg 794w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-yritysrahoitus-1-2-233x300.jpg 233w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-yritysrahoitus-1-2-768x990.jpg 768w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-yritysrahoitus-1-2-1192x1536.jpg 1192w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-yritysrahoitus-1-2.jpg 1536w\" sizes=\"(max-width: 794px) 100vw, 794px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-442c1ad e-con-full e-flex e-con e-child\" data-id=\"442c1ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f98ab9f elementor-widget elementor-widget-heading\" data-id=\"6f98ab9f\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"yrityslaina\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a business loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-478cbbbe elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"478cbbbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"295\" data-end=\"572\">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.<\/p><p data-start=\"574\" data-end=\"623\">A business loan can be used for many purposes, such as:<\/p><ul data-start=\"624\" data-end=\"893\"><li data-start=\"624\" data-end=\"730\"><p data-start=\"626\" data-end=\"730\"><strong data-start=\"626\" data-end=\"658\">Strengthening working capital<\/strong> - Covering salaries, materials or seasonal expenses.<\/p><\/li><li data-start=\"731\" data-end=\"802\"><p data-start=\"733\" data-end=\"802\"><strong data-start=\"733\" data-end=\"752\">Investments<\/strong> - Financing new equipment, premises or digital solutions.<\/p><\/li><li data-start=\"803\" data-end=\"893\"><p data-start=\"805\" data-end=\"893\"><strong data-start=\"805\" data-end=\"831\">Growth and development<\/strong> - Marketing, hiring or expanding into new markets.<\/p><\/li><\/ul><p data-start=\"895\" data-end=\"1144\">The loan terms depend on factors such as the company\u2019s 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.<\/p><p data-start=\"1146\" data-end=\"1267\">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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8564149 elementor-mobile-align-justify elementor-align-left elementor-widget elementor-widget-button\" data-id=\"8564149\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/konkretiarahoitus.fi\/en\/contact-2\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ask about business finance opportunities<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-801a0ad elementor-widget elementor-widget-spacer\" data-id=\"801a0ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c80e61 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5c80e61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b0ddc8 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3b0ddc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Business loans starting from EUR 10,000<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0afed00 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0afed00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p><p>Our goal is to give entrepreneurs a quick and straightforward path to securing a business loan without any unnecessary hassle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e1f636 elementor-widget elementor-widget-spacer\" data-id=\"7e1f636\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e58d1a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1e58d1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3ff4f6 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f3ff4f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do you need funding to grow your business, buy equipment or invest in new premises?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1ed336 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a1ed336\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"0\" data-end=\"237\">A business loan enables you to take the next step. Timely financing can support competitiveness, expansion or the development of new products and services.<\/p><p data-start=\"239\" data-end=\"563\"><strong data-start=\"239\" data-end=\"255\">The interest rate of a business loan<\/strong> 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.<\/p><p data-start=\"565\" data-end=\"768\" data-is-last-node=\"\" data-is-only-node=\"\"><strong data-start=\"565\" data-end=\"582\">A collateral pool<\/strong> 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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-865bdae e-flex e-con-boxed e-con e-parent\" data-id=\"865bdae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-827a3f7 e-con-full e-flex e-con e-child\" data-id=\"827a3f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0acfd7b e-con-full e-flex e-con e-child\" data-id=\"0acfd7b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-381ecce elementor-widget elementor-widget-image\" data-id=\"381ecce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"794\" height=\"1024\" src=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-pystykuva-koneella-2-2-794x1024.jpg\" class=\"attachment-large size-large wp-image-2303\" alt=\"Concretia Finance on the computer\" srcset=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-pystykuva-koneella-2-2-794x1024.jpg 794w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-pystykuva-koneella-2-2-233x300.jpg 233w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-pystykuva-koneella-2-2-768x990.jpg 768w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-pystykuva-koneella-2-2-1192x1536.jpg 1192w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-pystykuva-koneella-2-2.jpg 1536w\" sizes=\"(max-width: 794px) 100vw, 794px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e48e1a0 e-con-full e-flex e-con e-child\" data-id=\"e48e1a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b7988c elementor-widget elementor-widget-heading\" data-id=\"8b7988c\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"tililimiitti\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Credit line \u2013 flexibility for your company\u2019s cash flow<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a54987c elementor-widget elementor-widget-text-editor\" data-id=\"a54987c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"316\" data-end=\"597\">A company\u2019s cash flow fluctuates, and sometimes expenses come before income. A credit line is a flexible financing solution that supports daily operations. It works as an adjustable credit facility linked to your business bank account, available whenever incoming and outgoing payments do not match.<\/p><p data-start=\"599\" data-end=\"653\">A credit line is particularly useful when:<\/p><ul data-start=\"654\" data-end=\"850\"><li data-start=\"654\" data-end=\"725\"><p data-start=\"656\" data-end=\"725\"><strong data-start=\"656\" data-end=\"686\">Trade receivables are delayed<\/strong>but salaries or bills need to be paid.<\/p><\/li><li data-start=\"726\" data-end=\"771\"><p data-start=\"728\" data-end=\"771\"><strong data-start=\"728\" data-end=\"748\">Seasonal variations<\/strong> put pressure on cash flow.<\/p><\/li><li data-start=\"772\" data-end=\"850\"><p data-start=\"774\" data-end=\"850\"><strong data-start=\"774\" data-end=\"794\">Unexpected costs<\/strong> arise and reserves are not sufficient<\/p><\/li><\/ul><p data-start=\"852\" data-end=\"1085\">The limit can be used whenever needed and is repaid automatically as funds flow into the account. This makes it a convenient tool for maintaining liquidity without having to apply for a new loan each time.<\/p><p data-start=\"1087\" data-end=\"1354\">We can help you determine the right credit limit for your business and explain the conditions for applying. This way, you get a financing solution that supports your daily operations and allows you to focus on growing your business with confidence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a86f28 elementor-mobile-align-justify elementor-align-left elementor-widget elementor-widget-button\" data-id=\"5a86f28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/konkretiarahoitus.fi\/en\/contact-2\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ef683d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0ef683d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc8ca02 e-con-full e-flex e-con e-child\" data-id=\"cc8ca02\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-96c0d0a e-con-full e-flex e-con e-child\" data-id=\"96c0d0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f047d96 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f047d96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Apply for a credit line<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9463d8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e9463d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"190\" data-end=\"358\"><strong data-start=\"190\" data-end=\"221\">Apply easily for a credit limit<\/strong><br data-start=\"221\" data-end=\"224\" \/>Contact Konkretia Rahoitus and we will review your company\u2019s financing needs together and agree on a suitable credit limit.<\/p><p data-start=\"360\" data-end=\"533\"><strong data-start=\"360\" data-end=\"399\">Access funds when needed<\/strong><br data-start=\"399\" data-end=\"402\" \/>A credit line is linked to your business account, allowing you to draw funds whenever cash flow tightens or an investment opportunity appears.<\/p><p data-start=\"535\" data-end=\"685\"><strong data-start=\"535\" data-end=\"559\">Pay only for what you use<\/strong><br data-start=\"559\" data-end=\"562\" \/>Interest is charged only on the amount you draw, not on the unused limit. This means you only pay for the credit you actually need.<\/p><p data-start=\"687\" data-end=\"861\"><strong data-start=\"687\" data-end=\"728\">Flexible financing for ongoing use<\/strong><br data-start=\"728\" data-end=\"731\" \/>A credit line provides continuous and immediate access to financing without submitting new applications each time, available whenever the need arises.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2a6220 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e2a6220\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cdd7c84 e-con-full e-flex e-con e-child\" data-id=\"cdd7c84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1b13b44 e-con-full e-flex e-con e-child\" data-id=\"1b13b44\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bdf810d elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"bdf810d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">With Konkretia Rahoitus, you can obtain a credit line easily.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-420d41c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"420d41c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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\u2019s needs and preferences.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1317 elementor-mobile-align-justify elementor-align-center elementor-widget__width-initial elementor-widget elementor-widget-global elementor-global-1317 elementor-widget-button\" data-id=\"1317\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/konkretiarahoitus.fi\/en\/contact-2\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3159299 e-flex e-con-boxed e-con e-parent\" data-id=\"3159299\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-dc6b35b e-con-full e-flex e-con e-child\" data-id=\"dc6b35b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-50d2490 e-con-full e-flex e-con e-child\" data-id=\"50d2490\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f2008dd e-con-full e-flex e-con e-child\" data-id=\"f2008dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-badf9e0 elementor-widget elementor-widget-image\" data-id=\"badf9e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"794\" height=\"1024\" src=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-pystykuva-kahvi-lasku-2-794x1024.jpg\" class=\"attachment-large size-large wp-image-2288\" alt=\"\" srcset=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-pystykuva-kahvi-lasku-2-794x1024.jpg 794w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-pystykuva-kahvi-lasku-2-233x300.jpg 233w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-pystykuva-kahvi-lasku-2-768x990.jpg 768w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-pystykuva-kahvi-lasku-2-1192x1536.jpg 1192w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-pystykuva-kahvi-lasku-2.jpg 1536w\" sizes=\"(max-width: 794px) 100vw, 794px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04d7400 e-con-full e-flex e-con e-child\" data-id=\"04d7400\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6355ea1 elementor-widget elementor-widget-heading\" data-id=\"6355ea1\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"laskurahoitus\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Invoice financing - faster access to trade receivables<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b375d8 elementor-widget elementor-widget-text-editor\" data-id=\"1b375d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"331\" data-end=\"568\">Many companies face long payment terms on their sales invoices, meaning money may take weeks or even months to arrive. Invoice financing offers a practical solution by quickly turning outstanding invoices into working capital and smoothing out cash flow.<\/p><p data-start=\"570\" data-end=\"596\">With invoice financing, you can:<\/p><ul data-start=\"597\" data-end=\"832\"><li data-start=\"597\" data-end=\"671\"><p data-start=\"599\" data-end=\"671\"><strong data-start=\"599\" data-end=\"627\">Receive the money immediately<\/strong>, even if your customer pays later.<\/p><\/li><li data-start=\"672\" data-end=\"755\"><p data-start=\"674\" data-end=\"755\"><strong data-start=\"674\" data-end=\"705\">Keep cash flow more stable<\/strong>, since income no longer depends on long payment periods.<\/p><\/li><li data-start=\"756\" data-end=\"832\"><p data-start=\"758\" data-end=\"832\"><strong data-start=\"758\" data-end=\"800\">Finance growth and investments<\/strong> without extra waiting.<\/p><\/li><\/ul><p data-start=\"834\" data-end=\"1026\">In practice, invoice financing works so that the financier pays most of the invoice amount upfront, and the remaining balance is settled once the customer pays. This service is also known as <em data-start=\"1012\" data-end=\"1023\">factoring<\/em>.<\/p><p data-start=\"1028\" data-end=\"1258\">Invoice financing is particularly useful for companies with many B2B customers and long payment terms. It frees up capital, reduces the risk of payment delays and improves predictability in everyday financial management.<\/p><p data-start=\"1260\" data-end=\"1514\">We can help you assess whether invoice financing suits your business and what conditions apply. This way, you can put your money to work immediately to grow your company instead of waiting for customers to pay their invoices.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4367b6 elementor-mobile-align-justify elementor-align-left elementor-widget elementor-widget-button\" data-id=\"c4367b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/konkretiarahoitus.fi\/en\/contact-2\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba6dc57 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ba6dc57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eb2ea5d e-con-full e-flex e-con e-child\" data-id=\"eb2ea5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51b969c elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"51b969c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">This is how invoice finance works - free up your money for immediate use<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d9363f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1d9363f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 data-start=\"202\" data-end=\"357\"><span style=\"color: #ffffff;\"><strong data-start=\"202\" data-end=\"228\">1. Get invoice financing<\/strong><\/span><\/h4><p data-start=\"202\" data-end=\"357\">Agree with Konkretia Finance on invoice financing and, if necessary, additional services such as reminder and collection services.<\/p><h4 data-start=\"359\" data-end=\"459\"><span style=\"color: #ffffff;\"><strong data-start=\"359\" data-end=\"385\">2. Bill normally<\/strong><\/span><\/h4><p data-start=\"359\" data-end=\"459\">Send invoices to your customers as before - your process remains the same.<\/p><h4 data-start=\"461\" data-end=\"668\"><span style=\"color: #ffffff;\"><strong data-start=\"461\" data-end=\"498\">3. Get your money the same day<\/strong><\/span><\/h4><p data-start=\"461\" data-end=\"668\">Transfer the invoice to us for funding and get paid on your company's account even on the same day. This keeps your cash flow steady and your business financing flexible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51620b5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"51620b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04d06f3 e-con-full e-flex e-con e-child\" data-id=\"04d06f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0aac5ca elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"0aac5ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Invoice financing - accelerate your cash flow without long payment periods<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bbdbf2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"9bbdbf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"176\" data-end=\"380\"><strong data-start=\"176\" data-end=\"193\">Invoice financing<\/strong> for companies that sell on invoice and want to ensure a steady flow of <strong data-start=\"266\" data-end=\"281\">cash flow<\/strong>. The solution works particularly well for growing, seasonal and project-based businesses.<\/p><p data-start=\"382\" data-end=\"398\"><strong data-start=\"382\" data-end=\"398\">Here's how you benefit:<\/strong><\/p><ul data-start=\"399\" data-end=\"672\"><li data-start=\"399\" data-end=\"477\"><p data-start=\"401\" data-end=\"477\">Get the money from your sales invoices into your account <strong data-start=\"435\" data-end=\"443\">immediately<\/strong>, and don't expect long payment times.<\/p><\/li><li data-start=\"478\" data-end=\"578\"><p data-start=\"480\" data-end=\"578\">Faster cash flow \u2192 easier to finance <strong data-start=\"522\" data-end=\"560\">growth, development and investment<\/strong> at the right time.<\/p><\/li><li data-start=\"579\" data-end=\"672\"><p data-start=\"581\" data-end=\"672\">Flexible <strong data-start=\"590\" data-end=\"608\">corporate finance<\/strong> without unnecessary commitment - tailored to your business needs.<\/p><\/li><\/ul><p data-start=\"674\" data-end=\"879\"><strong data-start=\"674\" data-end=\"713\">Concretia Financial invoice financing<\/strong><br \/>We offer flexible invoice financing, which can be used quickly and without long-term contracts. We tailor the financing <strong data-start=\"847\" data-end=\"871\">the situation of your business<\/strong> according to.<\/p><h4 data-start=\"881\" data-end=\"915\">Additional invoice financing services<\/h4><p data-start=\"916\" data-end=\"1054\">We can include in the package <strong data-start=\"945\" data-end=\"978\">reminder and recovery services<\/strong>. Save time and resources when you outsource <strong data-start=\"1023\" data-end=\"1046\">management of receivables<\/strong> us.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f86bf9f e-flex e-con-boxed e-con e-parent\" data-id=\"f86bf9f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-25d9188 e-con-full e-flex e-con e-child\" data-id=\"25d9188\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-18198fa e-con-full e-flex e-con e-child\" data-id=\"18198fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-84f01f6 e-con-full e-flex e-con e-child\" data-id=\"84f01f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97849af elementor-widget elementor-widget-heading\" data-id=\"97849af\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"varastorahoitus\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Inventory financing \u2013 support for purchasing and selling products<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-808dda0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"808dda0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"341\" data-end=\"622\">In many companies, a significant amount of capital is tied up in inventory. Goods must be purchased and paid for before they can be sold. Inventory financing helps solve this challenge by freeing up capital and allowing you to increase stock levels without weakening your liquidity.<\/p><p data-start=\"624\" data-end=\"652\">With inventory financing, you can:<\/p><ul data-start=\"653\" data-end=\"935\"><li data-start=\"653\" data-end=\"737\"><p data-start=\"655\" data-end=\"737\"><strong data-start=\"655\" data-end=\"690\">Purchase products in advance<\/strong> and offer customers a wider selection.<\/p><\/li><li data-start=\"738\" data-end=\"831\"><p data-start=\"740\" data-end=\"831\"><strong data-start=\"740\" data-end=\"773\">Keep cash flow more stable<\/strong>, as inventory costs do not need to be paid all at once.<\/p><\/li><li data-start=\"832\" data-end=\"935\"><p data-start=\"834\" data-end=\"935\"><strong data-start=\"834\" data-end=\"876\">Support growth<\/strong>by replenishing stock according to demand.<\/p><\/li><\/ul><p data-start=\"937\" data-end=\"1218\">In practice, inventory financing works so that the financier pays your supplier for the goods, and your company repays the financier according to an agreed schedule. This reduces pressure on cash flow and ensures that products are available for sale when customers need them.<\/p><p data-start=\"1220\" data-end=\"1410\">Inventory financing is particularly suitable for trading and manufacturing companies with significant inventory value that want to ensure reliable delivery capability without putting unnecessary strain on cash flow.<\/p><p data-start=\"1412\" data-end=\"1637\">We can help you identify the inventory financing solution that best suits your business and negotiate terms that support long-term growth. This way, your inventory becomes a driver of growth rather than capital tied up on the shelf.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ed9293 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"9ed9293\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/konkretiarahoitus.fi\/en\/yhtestiedot\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f303a7f e-con-full e-flex e-con e-child\" data-id=\"f303a7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-195bfc0 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"195bfc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"794\" height=\"1024\" src=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-mies-varastossa-794x1024.jpg\" class=\"attachment-large size-large wp-image-2266\" alt=\"Concretia Finance man in stock\" srcset=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-mies-varastossa-794x1024.jpg 794w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-mies-varastossa-233x300.jpg 233w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-mies-varastossa-768x990.jpg 768w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-mies-varastossa-1192x1536.jpg 1192w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-mies-varastossa.jpg 1536w\" sizes=\"(max-width: 794px) 100vw, 794px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-917634d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"917634d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-826ab99 e-con-full e-flex e-con e-child\" data-id=\"826ab99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-435ef7c elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"435ef7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Agile inventory financing for businesses of all sizes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a35e046 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a35e046\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"209\" data-end=\"565\"><strong data-start=\"209\" data-end=\"228\">Inventory financing<\/strong> is a flexible solution for companies looking to balance cash flow and free up is a flexible solution for companies that want to balance cash flow and free up capital for business development. Our financing partner pays your supplier directly, and your business can repay the amount overcapital for business development. Our financial partner pays the supplier directly, and your business can repay the amount <strong data-start=\"446\" data-end=\"463\">1 to 4 months<\/strong> , depending on your situation. This way you do not need to use your stock or assets as collateral.<\/p><p data-start=\"567\" data-end=\"732\"><strong data-start=\"567\" data-end=\"608\">Konkretia Rahoitus offers inventory financing<\/strong> that adapts to your company\u2019s financial situation. The credit limit is flexible and can grow as your business grows.<\/p><h4 data-start=\"734\" data-end=\"784\">How your business can benefit from inventory financing?<\/h4><p data-start=\"786\" data-end=\"866\"><strong data-start=\"786\" data-end=\"802\">No collateral required<\/strong><br data-start=\"802\" data-end=\"805\" \/>You do not need assets or inventory as security for the financing.<\/p><p data-start=\"868\" data-end=\"961\"><strong data-start=\"868\" data-end=\"894\">Flexible repayment<\/strong><br data-start=\"894\" data-end=\"897\" \/>Choose a repayment schedule that suits your business, from 1 to 4 months.<\/p><p data-start=\"963\" data-end=\"1059\"><strong data-start=\"963\" data-end=\"985\">Stronger credit limit<\/strong><br data-start=\"985\" data-end=\"988\" \/>The amount of financing is based on your company\u2019s actual financial performance.<\/p><p data-start=\"1061\" data-end=\"1158\"><strong data-start=\"1061\" data-end=\"1085\">Improved cash flow<\/strong><br data-start=\"1085\" data-end=\"1088\" \/>Start selling products before you need to pay and keep your cash flow steady.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-091ed1a e-con-full e-flex e-con e-child\" data-id=\"091ed1a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61fae1e elementor-widget elementor-widget-heading\" data-id=\"61fae1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85605da elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"85605da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-27b7bd8 e-con-full e-flex e-con e-child\" data-id=\"27b7bd8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-63979e4 e-con-full e-flex e-con e-child\" data-id=\"63979e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-815f54e elementor-widget elementor-widget-n-accordion\" data-id=\"815f54e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1350\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1350\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What information is required to apply for financing? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1350\" class=\"elementor-element elementor-element-31ea18e e-con-full e-flex e-con e-child\" data-id=\"31ea18e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-160a974 elementor-widget elementor-widget-text-editor\" data-id=\"160a974\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We need the company\u2019s key financial information, including the latest financial statements and\ninterim reports (income statement and balance sheet). <br \/>This allows us to assess the company\u2019s\nsituation and build the best possible financing solution.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1351\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1351\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How quickly can financing be obtained? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1351\" class=\"elementor-element elementor-element-8c10bf5 e-con-full e-flex e-con e-child\" data-id=\"8c10bf5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ac25fe elementor-widget elementor-widget-text-editor\" data-id=\"6ac25fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Once we have the necessary information about the company, we can usually provide a financing\noffer within 24 hours. <br \/>We handle the entire process from start to finish and ensure that the financing progresses as quickly as possible<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1352\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1352\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does the process proceed after I have submitted the application? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1352\" class=\"elementor-element elementor-element-a7bb708 e-con-full e-flex e-con e-child\" data-id=\"a7bb708\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-324383f elementor-widget elementor-widget-text-editor\" data-id=\"324383f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We review the company\u2019s details and financing needs and prepare a financing solution tailored to\nyour situation <br \/>Once you approve the proposal, we take care of all the required paperwork and move directly to implementing the financing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1353\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1353\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is applying for financing binding or subject to a fee? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-up\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M34.9 289.5l-22.2-22.2c-9.4-9.4-9.4-24.6 0-33.9L207 39c9.4-9.4 24.6-9.4 33.9 0l194.3 194.3c9.4 9.4 9.4 24.6 0 33.9L413 289.4c-9.5 9.5-25 9.3-34.3-.4L264 168.6V456c0 13.3-10.7 24-24 24h-32c-13.3 0-24-10.7-24-24V168.6L69.2 289.1c-9.3 9.8-24.8 10-34.3.4z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1353\" class=\"elementor-element elementor-element-46f703a e-con-full e-flex e-con e-child\" data-id=\"46f703a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2741eea elementor-widget elementor-widget-text-editor\" data-id=\"2741eea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>No. Our model is success-based, which means our fee is charged only if the financing is completed according to the approved solution.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b032e79 e-con-full e-flex e-con e-parent\" data-id=\"b032e79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4ece9cc e-con-full e-flex e-con e-child\" data-id=\"4ece9cc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d5bbe60 e-flex e-con-boxed e-con e-child\" data-id=\"d5bbe60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aba8246 elementor-widget elementor-widget-heading\" data-id=\"aba8246\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Blogs<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-803e77f elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"803e77f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Views, thoughts, experiences<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a43170 elementor-invisible elementor-widget elementor-widget-jkit_post_block\" data-id=\"0a43170\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"jkit_post_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-postblock postblock-type-2 jkit-pagination-disable post-element jeg_module___6a075826e23bf\"  data-id=\"jeg_module___6a075826e23bf\" data-settings=\"{&quot;post_type&quot;:&quot;post&quot;,&quot;number_post&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:3,&quot;sizes&quot;:[]},&quot;post_offset&quot;:0,&quot;unique_content&quot;:&quot;disable&quot;,&quot;include_post&quot;:&quot;&quot;,&quot;exclude_post&quot;:&quot;&quot;,&quot;include_category&quot;:&quot;&quot;,&quot;exclude_category&quot;:&quot;&quot;,&quot;include_author&quot;:&quot;&quot;,&quot;include_tag&quot;:&quot;&quot;,&quot;exclude_tag&quot;:&quot;&quot;,&quot;job_listing_type&quot;:&quot;&quot;,&quot;sort_by&quot;:&quot;latest&quot;,&quot;pagination_mode&quot;:&quot;disable&quot;,&quot;pagination_loadmore_text&quot;:&quot;Load More&quot;,&quot;pagination_loading_text&quot;:&quot;Loading...&quot;,&quot;pagination_number_post&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:3,&quot;sizes&quot;:[]},&quot;pagination_scroll_limit&quot;:0,&quot;pagination_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;pagination_icon_position&quot;:&quot;before&quot;,&quot;st_category_position&quot;:&quot;center&quot;,&quot;sg_content_postblock_type&quot;:&quot;type-2&quot;,&quot;sg_content_element_order&quot;:&quot;meta,title&quot;,&quot;sg_content_breakpoint&quot;:&quot;tablet&quot;,&quot;sg_content_title_html_tag&quot;:&quot;h3&quot;,&quot;sg_content_category_enable&quot;:&quot;&quot;,&quot;sg_content_excerpt_enable&quot;:&quot;yes&quot;,&quot;sg_content_excerpt_length&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:20,&quot;sizes&quot;:[]},&quot;sg_content_excerpt_more&quot;:&quot;...&quot;,&quot;sg_content_readmore_enable&quot;:&quot;&quot;,&quot;sg_content_readmore_icon&quot;:{&quot;value&quot;:&quot;fas fa-arrow-right&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;sg_content_readmore_icon_position&quot;:&quot;after&quot;,&quot;sg_content_readmore_text&quot;:&quot;Read More&quot;,&quot;sg_content_comment_enable&quot;:&quot;&quot;,&quot;sg_content_comment_icon&quot;:{&quot;value&quot;:&quot;fas fa-comment&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;sg_content_comment_icon_position&quot;:&quot;before&quot;,&quot;sg_content_meta_enable&quot;:&quot;yes&quot;,&quot;sg_content_meta_author_enable&quot;:&quot;&quot;,&quot;sg_content_meta_author_by_text&quot;:&quot;&quot;,&quot;sg_content_meta_author_icon&quot;:{&quot;value&quot;:&quot;fas fa-user&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;sg_content_meta_author_icon_position&quot;:&quot;before&quot;,&quot;sg_content_meta_date_enable&quot;:&quot;yes&quot;,&quot;sg_content_meta_date_type&quot;:&quot;published&quot;,&quot;sg_content_meta_date_format&quot;:&quot;default&quot;,&quot;sg_content_meta_date_format_custom&quot;:&quot;F j, Y&quot;,&quot;sg_content_meta_date_icon&quot;:{&quot;value&quot;:&quot;fas fa-clock&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;sg_content_meta_date_icon_position&quot;:&quot;before&quot;,&quot;sg_content_image_size_imagesize_size&quot;:&quot;full&quot;,&quot;paged&quot;:1,&quot;class&quot;:&quot;jkit_post_block&quot;}\"><div class=\"jkit-block-container\"><div class=\"jkit-posts jkit-ajax-flag\">\n            <article class=\"jkit-post post-3919 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized tag-asiantuntija tag-ennakointi tag-investoinnit tag-joustavuus tag-kasvu tag-kumppanuus tag-kustannukset tag-laskurahoitus tag-liiketoiminta tag-neuvottelut tag-pankit tag-prosessi tag-rahoittajat tag-rahoitus tag-rahoitusratkaisut tag-taloudellinen-puskuri tag-tarjoukset tag-tililimiitti tag-tulosperusteinen tag-varastorahoitus tag-yritys tag-yrityslaina tag-yritysrahoitus\">\n                    <div class=\"jkit-thumb\"><a aria-label=\"Financing solutions without unnecessary bureaucracy, how does the process work?\" href=\"https:\/\/konkretiarahoitus.fi\/en\/2026\/05\/rahoitusratkaisut-ilman-turhaa-byrokratiaa-miten-prosessi-toimii\"><div class=\"thumbnail-container\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1440\" src=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-3.png\" class=\"attachment-full size-full wp-post-image\" alt=\"\" srcset=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-3.png 2560w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-3-300x169.png 300w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-3-1024x576.png 1024w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-3-768x432.png 768w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-3-1536x864.png 1536w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-3-2048x1152.png 2048w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-3-18x10.png 18w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/>\n        <\/div><\/a><\/div>\n                    <div class=\"jkit-postblock-content\"><div class=\"jkit-post-meta\"><div class=\"jkit-meta-date icon-position-before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-clock\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256,8C119,8,8,119,8,256S119,504,256,504,504,393,504,256,393,8,256,8Zm92.49,313h0l-20,25a16,16,0,0,1-22.49,2.5h0l-67-49.72a40,40,0,0,1-15-31.23V112a16,16,0,0,1,16-16h32a16,16,0,0,1,16,16V256l58,42.5A16,16,0,0,1,348.49,321Z\"><\/path><\/svg>May 5, 2026<\/div><\/div><h3 class=\"jkit-post-title\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/konkretiarahoitus.fi\/en\/2026\/05\/rahoitusratkaisut-ilman-turhaa-byrokratiaa-miten-prosessi-toimii\">Financing solutions without unnecessary bureaucracy, how does the process work?<\/a>\n\t\t\t\t\t\t<\/h3><\/div>\n                <\/article><article class=\"jkit-post post-3901 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized tag-ajoitus tag-ennakointi tag-investoinnit tag-kannattavuus tag-kassavaje tag-kassavirta tag-kasvun-rahoitus tag-kayttopaaoma tag-liiketoiminta tag-liiketoimintasuunnitelma tag-maksuvalmius tag-oma-paaoma tag-potentiaali tag-paatoksenteko tag-rahavirta tag-rahoittaja tag-rahoituksen-saatavuus tag-rahoitus tag-rahoituskelpoisuus tag-rahoituspaatos tag-rahoitusratkaisu tag-rahoitustarve tag-riskit tag-taloudellinen-suunnittelu tag-taloudellinen-tilanne tag-taloudelliset-puskurit tag-talousluvut tag-tulevaisuuden-nakymat tag-vakavaraisuus tag-yrityksen-uskottavuus tag-yritys tag-yritysrahoitus\">\n                    <div class=\"jkit-thumb\"><a aria-label=\"Why a business does not get funding? 5 common reasons\u00a0\" href=\"https:\/\/konkretiarahoitus.fi\/en\/2026\/04\/miksi-yritys-ei-saa-rahoitusta-5-yleisinta-syyta\"><div class=\"thumbnail-container\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1440\" src=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-2.png\" class=\"attachment-full size-full wp-post-image\" alt=\"\" srcset=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-2.png 2560w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-2-300x169.png 300w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-2-1024x576.png 1024w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-2-768x432.png 768w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-2-1536x864.png 1536w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-2-2048x1152.png 2048w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/04\/Sahkoposti-kuvat-2-18x10.png 18w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/>\n        <\/div><\/a><\/div>\n                    <div class=\"jkit-postblock-content\"><div class=\"jkit-post-meta\"><div class=\"jkit-meta-date icon-position-before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-clock\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256,8C119,8,8,119,8,256S119,504,256,504,504,393,504,256,393,8,256,8Zm92.49,313h0l-20,25a16,16,0,0,1-22.49,2.5h0l-67-49.72a40,40,0,0,1-15-31.23V112a16,16,0,0,1,16-16h32a16,16,0,0,1,16,16V256l58,42.5A16,16,0,0,1,348.49,321Z\"><\/path><\/svg>April 21, 2026<\/div><\/div><h3 class=\"jkit-post-title\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/konkretiarahoitus.fi\/en\/2026\/04\/miksi-yritys-ei-saa-rahoitusta-5-yleisinta-syyta\">Why a business does not get funding? 5 common reasons\u00a0<\/a>\n\t\t\t\t\t\t<\/h3><\/div>\n                <\/article><article class=\"jkit-post post-3888 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized tag-arvonlisavero tag-ennakkovero tag-investoinnit tag-kannattavuus tag-kassanhallinta tag-kassapaine tag-kassatilanne tag-kassavirran-hallinta tag-kassavirran-suunnittelu tag-kassavirta tag-kassavirta-vs-kannattavuus tag-kayttopaaoma tag-lainan-lyhennys tag-laskutus tag-liiketoiminnan-kannattavuus tag-liiketoiminnan-kasvu tag-maksuaika tag-myyntisaatavat tag-rahavirta tag-rahoituksen-tarve tag-talouden-hallinta tag-varaston-sitoma-paaoma tag-yrityksen-arki tag-yrityksen-kassavirta tag-yrityksen-kasvu tag-yrityksen-kulut tag-yrityksen-maksuvalmius tag-yrityksen-rahoitus tag-yrityksen-talous tag-yrityksen-verotus\">\n                    <div class=\"jkit-thumb\"><a aria-label=\"Your company is profitable. So why is cash still tight?\u00a0\" href=\"https:\/\/konkretiarahoitus.fi\/en\/2026\/04\/yrityksesi-tekee-voittoa-miksi-kassassa-on-silti-tiukkaa\"><div class=\"thumbnail-container\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1440\" src=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/03\/Sahkoposti-kuvat-4.png\" class=\"attachment-full size-full wp-post-image\" alt=\"\" srcset=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/03\/Sahkoposti-kuvat-4.png 2560w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/03\/Sahkoposti-kuvat-4-300x169.png 300w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/03\/Sahkoposti-kuvat-4-1024x576.png 1024w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/03\/Sahkoposti-kuvat-4-768x432.png 768w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/03\/Sahkoposti-kuvat-4-1536x864.png 1536w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/03\/Sahkoposti-kuvat-4-2048x1152.png 2048w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2026\/03\/Sahkoposti-kuvat-4-18x10.png 18w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/>\n        <\/div><\/a><\/div>\n                    <div class=\"jkit-postblock-content\"><div class=\"jkit-post-meta\"><div class=\"jkit-meta-date icon-position-before\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-clock\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256,8C119,8,8,119,8,256S119,504,256,504,504,393,504,256,393,8,256,8Zm92.49,313h0l-20,25a16,16,0,0,1-22.49,2.5h0l-67-49.72a40,40,0,0,1-15-31.23V112a16,16,0,0,1,16-16h32a16,16,0,0,1,16,16V256l58,42.5A16,16,0,0,1,348.49,321Z\"><\/path><\/svg>April 9, 2026<\/div><\/div><h3 class=\"jkit-post-title\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/konkretiarahoitus.fi\/en\/2026\/04\/yrityksesi-tekee-voittoa-miksi-kassassa-on-silti-tiukkaa\">Your company is profitable. So why is cash still tight?\u00a0<\/a>\n\t\t\t\t\t\t<\/h3><\/div>\n                <\/article>\n        <\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b822e77 elementor-absolute elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"b822e77\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"768\" src=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-logo-768x768.png\" class=\"attachment-medium_large size-medium_large wp-image-2229\" alt=\"Concretia Finance logo\" srcset=\"https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-logo-768x768.png 768w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-logo-300x300.png 300w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-logo-1024x1024.png 1024w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-logo-150x150.png 150w, https:\/\/konkretiarahoitus.fi\/wp-content\/uploads\/2025\/10\/251002-logo.png 1500w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>YEL, TyEL, YTJ, ennakkovero, vakuutukset, kirjanpito\u2026 etk\u00f6 ymm\u00e4rr\u00e4? Ei h\u00e4t\u00e4\u00e4. Me Konkretia Kirjanpidolla autamme sinut alkuun askel kerrallaan.<\/p>\n<p>Perustamme yrityksen kanssasi, hoidamme ilmoitukset YTJ:lle, laitamme YEL- ja TyEL-asiat kuntoon, autamme avaamaan pankkitilit ja j\u00e4rjest\u00e4mme kirjanpidon sek\u00e4 palkanlaskennan valmiiksi. Saat my\u00f6s apua rahoituksen hakemiseen \u2013 olipa kyseess\u00e4 pankki, Finnvera tai starttiraha.<\/p>\n<p>Saat henkil\u00f6kohtaisen asiantuntijan, joka puhuu ymm\u00e4rrett\u00e4v\u00e4\u00e4 kielt\u00e4 ja hoitaa asiat puolestasi. Meilt\u00e4 saat kaiken, mit\u00e4 tarvitset yritt\u00e4jyyden alkuun<\/p>","protected":false},"author":2,"featured_media":2864,"parent":0,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-37","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/pages\/37","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/comments?post=37"}],"version-history":[{"count":183,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/pages\/37\/revisions"}],"predecessor-version":[{"id":3859,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/pages\/37\/revisions\/3859"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/media\/2864"}],"wp:attachment":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/media?parent=37"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}