{"id":4986,"date":"2026-10-09T09:35:31","date_gmt":"2026-10-09T06:35:31","guid":{"rendered":"https:\/\/konkretiarahoitus.fi\/?p=4986"},"modified":"2026-10-09T09:35:31","modified_gmt":"2026-10-09T06:35:31","slug":"yrityksen-luottoluokitus-ja-rahoituksen-saaminen-mita-yrittajan-kannattaa-tietaa","status":"publish","type":"post","link":"https:\/\/konkretiarahoitus.fi\/en\/yrityksen-luottoluokitus-ja-rahoituksen-saaminen-mita-yrittajan-kannattaa-tietaa","title":{"rendered":"Business credit rating and access to financing: what should entrepreneurs know?"},"content":{"rendered":"
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Business credit rating and access to financing: what should entrepreneurs know?<\/h2>\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
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A company\u2019s credit rating is one of the factors that can affect the terms under which a business can get financing. But what does a credit rating actually tell you, and is it possible to get financing even if the credit rating is not excellent?<\/span><\/p>\t\t\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

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What is a business credit rating?<\/h2>\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
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A credit rating gives an indication of a company\u2019s financial situation and ability to repay its debts. The rating is based on factors such as the company\u2019s financial information, payment history and other available information.<\/div>\n
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However, a credit rating alone does not give the full picture of a company\u2019s financial situation.<\/div>\t\t\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
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How can I check my company\u2019s credit rating?<\/h2>\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
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You can check your company\u2019s credit rating through services such as Suomen asiakastieto.<\/b>\u00a0It is also a good idea to look at the company\u2019s key financial figures and payment history.<\/div>\n
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It is useful to monitor your credit rating regularly so that you can react to any changes in time.<\/div>\t\t\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
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Does a credit rating affect access to financing?<\/h2>\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
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Yes. A credit rating can be one of the factors that affects a financing decision. Before providing financing, the lender assesses the company\u2019s risk and ability to repay the financing.<\/span><\/p>\n

However, it may still be possible to get financing even if the credit rating is not excellent.<\/b>\u00a0Financing decisions are based on the overall situation, and different lenders have different criteria.<\/p>\t\t\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

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How does a company\u2019s financial situation affect a financing decision?<\/h2>\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
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When applying for financing, factors such as the company\u2019s revenue, profitability, cash flow, debts and ability to make payments may be considered. The company\u2019s industry, history and the purpose of the financing can also affect the assessment.<\/div>\n
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That is why it is important not to look at one financial figure or the credit rating separately from the company\u2019s overall situation.<\/div>\t\t\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
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Does your company need financing?<\/h2>\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
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If your company needs financing for growth, working capital or investments, it is worth exploring your options before financing becomes urgent.<\/div>\n
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Konkretia Rahoitus helps companies find financing solutions that fit their situation.<\/b>\u00a0Submit a financing application and we can look together at what options are available for your company.<\/div>\t\t\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
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tContact 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Yrityksen luottoluokitus ja rahoituksen saaminen, mit\u00e4 yritt\u00e4j\u00e4n kannattaa tiet\u00e4\u00e4? Yrityksen luottoluokitus on yksi tekij\u00f6ist\u00e4, joka voi vaikuttaa siihen, mill\u00e4 ehdoilla yritykselle on mahdollista saada rahoitusta. Mutta mit\u00e4 luottoluokitus oikeastaan kertoo ja voiko yritys saada rahoitusta, vaikka luottoluokitus ei olisi erinomainen? Mik\u00e4 yrityksen luottoluokitus on? Luottoluokitus kertoo yrityksen taloudellisesta tilanteesta ja maksukyvyst\u00e4. Luokituksessa arvioidaan esimerkiksi yrityksen […]<\/p>\n","protected":false},"author":1,"featured_media":5002,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[214,230,500,504,503,285,509,499,502,286,205,510,506,332,256,218,505,485,498,240,508,501,224,507,137,159],"class_list":["post-4986","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-kassavirta","tag-kayttopaaoma","tag-luottoluokitus","tag-maksuhistoria","tag-maksukyky","tag-rahoittaja","tag-rahoituksen-ehdot","tag-rahoituksen-saaminen","tag-rahoitushakemus","tag-rahoituspaatos","tag-rahoitusratkaisut","tag-suomen-asiakastieto","tag-taloudelliset-tunnusluvut","tag-yrityksen-investoinnit","tag-yrityksen-kannattavuus","tag-yrityksen-kasvu","tag-yrityksen-liikevaihto","tag-yrityksen-luottokelpoisuus","tag-yrityksen-luottoluokitus","tag-yrityksen-rahoitus","tag-yrityksen-riskit","tag-yrityksen-taloudellinen-tilanne","tag-yrityksen-talous","tag-yrityksen-velat","tag-yrityslaina","tag-yritysrahoitus"],"_links":{"self":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/4986","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=4986"}],"version-history":[{"count":13,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/4986\/revisions"}],"predecessor-version":[{"id":5005,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/4986\/revisions\/5005"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/media\/5002"}],"wp:attachment":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/media?parent=4986"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/categories?post=4986"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/tags?post=4986"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}