{"id":3390,"date":"2026-01-13T10:20:45","date_gmt":"2026-01-13T08:20:45","guid":{"rendered":"https:\/\/konkretiarahoitus.fi\/?p=3390"},"modified":"2026-01-13T10:20:47","modified_gmt":"2026-01-13T08:20:47","slug":"vakuudeton-vai-vakuudellinen-yrityslaina","status":"publish","type":"post","link":"https:\/\/konkretiarahoitus.fi\/en\/2026\/01\/vakuudeton-vai-vakuudellinen-yrityslaina","title":{"rendered":"Unsecured or secured business loan?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3390\" class=\"elementor elementor-3390\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84c1744 e-flex e-con-boxed e-con e-parent\" data-id=\"84c1744\" 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-8c11ca7 elementor-widget elementor-widget-heading\" data-id=\"8c11ca7\" 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\">\nSecured or Unsecured Business Loan \u2013 Which One Suits Your Company?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7dfd893 elementor-widget elementor-widget-text-editor\" data-id=\"7dfd893\" 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 style=\"font-weight: 400;\">When choosing a business loan, the question is not only about the loan amount or repayment period. One important decision is whether to apply for a secured or unsecured business loan. Both options have their own advantages and limitations. The choice also depends on your company\u2019s financial situation, growth plans, and risk tolerance.<\/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-3617ccc elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3617ccc\" 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-56ac9ca elementor-widget elementor-widget-heading\" data-id=\"56ac9ca\" 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\">Unsecured 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-d760c22 elementor-widget elementor-widget-text-editor\" data-id=\"d760c22\" 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 style=\"font-weight: 400;\">An unsecured business loan does not require collateral, such as property or vehicles. The decision to grant the loan is usually based on the company\u2019s creditworthiness, payment history, and financial indicators.<\/p><p style=\"font-weight: 400;\">An unsecured loan can be a good solution when the loan amount does not need to be very high and the loan is needed for a short period. Unsecured loans are fast and flexible, but often more expensive because the lender\u2019s risk is higher.<\/p><p style=\"font-weight: 400;\">Advantages:<\/p><ul><li>No need to pledge assets or assess their value.<\/li><li>Suitable for short-term working capital needs or unexpected investments.<\/li><\/ul><p>\u00a0<\/p><p style=\"font-weight: 400;\">Disadvantages:<\/p><ul><li>Often higher interest rates due to greater risk for the lender.<\/li><li>Loan amounts may be smaller than with a secured loan.<\/li><\/ul><p>\u00a0<\/p><p style=\"font-weight: 400;\">When applying for an unsecured loan, it is always important to review the loan terms, total costs, and compare offers from different lenders.<\/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-e7539b4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e7539b4\" 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-4c710ca elementor-widget elementor-widget-heading\" data-id=\"4c710ca\" 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\">Secured 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-ed9ac89 elementor-widget elementor-widget-text-editor\" data-id=\"ed9ac89\" 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 style=\"font-weight: 400;\">A secured business loan is backed by collateral or a guarantee. Collateral can include company or guarantor assets, covering part of the loan amount.<\/p><p style=\"font-weight: 400;\">Advantages:<\/p><ul><li>Lower interest rates because the collateral reduces the lender\u2019s risk.<\/li><li>Possibility of larger loan amounts and longer repayment periods.<\/li><\/ul><p>\u00a0<\/p><p style=\"font-weight: 400;\">Disadvantages:<\/p><ul><li>Risk of collateral realization: if the loan is not repaid, the asset may be sold to cover the debt.<\/li><\/ul><p>\u00a0<\/p><p style=\"font-weight: 400;\">The application process for a secured business loan is usually slightly longer and more complex than for an unsecured loan.<\/p><p style=\"font-weight: 400;\">Konkretia Rahoitus identifies the best loan options for your company, whether secured or unsecured, through competitive offers and negotiations, handling the entire application process and paperwork for you.<\/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-df5a4f3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"df5a4f3\" 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-33de884 elementor-widget elementor-widget-heading\" data-id=\"33de884\" 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\">Types of Collateral and Their Effect on Interest Rates<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1a716b elementor-widget elementor-widget-text-editor\" data-id=\"a1a716b\" 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 style=\"font-weight: 400;\">From the lender\u2019s perspective, collateral provides security for repayment. The more liquid and valuable the collateral, the lower the lender\u2019s risk and usually the interest rate.<\/p><p style=\"font-weight: 400;\"><strong>Real security<\/strong><\/p><p style=\"font-weight: 400;\">Collateral can include real estate, plots of land, machinery, vehicles, equipment, investments, or deposits.<\/p><ul><li><strong>Residential or commercial property:<\/strong> Highly valued and easily realizable collateral with high value. Interest rates are usually lowest when property is used as collateral.<\/li><li><strong>Land: <\/strong>Land value varies by location, which also affects the interest rate. Rates are usually lower than for unsecured loans.<\/li><li><strong>Machinery and equipment:<\/strong> Depreciate faster than property or land, so interest rates may be slightly higher.<\/li><li><strong>Investments:<\/strong> Stocks and funds vary in value but are also easily liquidated. Depending on the investment portfolio, interest rates can be low or high.<\/li><\/ul><p>\u00a0<\/p><p><strong>Guarantee<\/strong><\/p><p>A guarantor agrees to repay the loan if the borrowing company cannot. Guarantees can be provided by individuals, the entrepreneur, or institutions offering loan guarantees.<\/p><ul><li><strong>Personal guarantee:<\/strong> If the entrepreneur or another individual provides the guarantee, it is considered a personal guarantee. The guarantor\u2019s personal assets back the loan. This reduces lender risk, leading to lower interest, though usually higher than with tangible collateral.<\/li><li><strong>Institutional guarantee:<\/strong> A loan can be guaranteed, for example, by the state through Finnvera, significantly reducing lender risk and often lowering interest rates. However, the guarantor charges a fee that must be considered in the total loan cost.<\/li><\/ul>\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-e7e4733 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e7e4733\" 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-68f0ddf elementor-widget elementor-widget-heading\" data-id=\"68f0ddf\" 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\">Which Loan is Right for Your Company?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cebcd56 elementor-widget elementor-widget-text-editor\" data-id=\"cebcd56\" 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 style=\"font-weight: 400;\">If your company needs funding quickly and the amount required is moderate, an unsecured loan may be the fastest solution, especially if your company\u2019s credit history and financial situation are sound. If you are planning a larger investment and can use assets as collateral, a secured loan often offers a lower interest rate and more flexible terms.<\/p><p style=\"font-weight: 400;\"><strong>Konkretia Rahoitus reviews all loan types with you and helps you choose the best option.<\/strong><\/p><p style=\"font-weight: 400;\">We clearly explain the costs and terms of each loan, manage the full application process, and provide guidance regarding collateral. You receive reliable, well-negotiated loan options and support for decisions that promote your company\u2019s success.<\/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-cad8da5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"cad8da5\" 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-a7b1e5c elementor-widget elementor-widget-heading\" data-id=\"a7b1e5c\" 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\">Contact us and apply for a business loan with Konkretia Rahoitus!<\/h2>\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-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 class=\"elementor-element elementor-element-9aece76 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9aece76\" 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-279cbba e-flex e-con-boxed e-con e-parent\" data-id=\"279cbba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-078c783 e-flex e-con-boxed e-con e-parent\" data-id=\"078c783\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Vakuudeton vai vakuudellinen yrityslaina, mik\u00e4 sopii sinun yrityksellesi? Yrityslainaa valittaessa kysymys ei ole pelk\u00e4st\u00e4\u00e4n lainasummasta tai takaisinmaksuajasta. Yksi t\u00e4rkeist\u00e4 p\u00e4\u00e4t\u00f6ksist\u00e4 lainan kanssa on valita, haetaanko vakuudetonta vai vakuudellista yrityslainaa. Molemmilla on omat etunsa ja rajoituksensa. Valintaan vaikuttavat my\u00f6s yrityksen taloudellinen tilanne, kasvu\u00adsuunnitelmat ja riskinsietokyky. Vakuudeton yrityslaina Vakuudettomaan yrityslainaan ei aseteta lainalle vakuudeksi reaaliomaisuutta, kuten kiinteist\u00f6\u00e4 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3395,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[148,144,164,156,166,165,142,137],"class_list":["post-3390","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-laskurahoitus","tag-pk-yrityksen-rahoitusvaihtoehdot","tag-rahoitus","tag-rahoitusratkaisut-pienyrityksille","tag-vakuudellinen-yrityslaina","tag-vakuudeton-yrityslaina","tag-yrityksen-kassavirran-hallinta","tag-yrityslaina"],"_links":{"self":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/3390","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/comments?post=3390"}],"version-history":[{"count":14,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/3390\/revisions"}],"predecessor-version":[{"id":3471,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/3390\/revisions\/3471"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/media\/3395"}],"wp:attachment":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/media?parent=3390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/categories?post=3390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/tags?post=3390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}