Business financing
Loans, collateral, financial statements, banks, Finnvera… does it all feel confusing? No problem. At Konkretia Rahoitus, we help you find the right financing solution for your business, step by step.
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.
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.
What is a business loan?
A business loan is a financing solution that helps a company secure its cash flow, fund investments or support growth. In practice, it is a loan provided by a bank or another financial institution and repaid over an agreed period with interest.
A business loan can be used for many purposes, such as:
Strengthening working capital - Covering salaries, materials or seasonal expenses.
Investments - Financing new equipment, premises or digital solutions.
Growth and development - Marketing, hiring or expanding into new markets.
The loan terms depend on factors such as the company’s financial situation, available collateral and the policies of the financier. In some cases, Finnvera can provide a guarantee, which often makes it easier for start-ups and growing SMEs to obtain financing.
When sized correctly, a business loan is not just debt. It is a tool that supports the stability and long-term growth of your company.
Business loans starting from EUR 10,000
Konkretia Rahoitus makes it easier for entrepreneurs to apply for a business loan. We handle the entire process for you from start to finish, so you do not need to request and compare loan offers or collect the required information yourself. We gather the necessary documents, compare loan offers on your behalf and walk you through the options clearly before you make a final decision.
Our goal is to give entrepreneurs a quick and straightforward path to securing a business loan without any unnecessary hassle.
Do you need funding to grow your business, buy equipment or invest in new premises?
A business loan enables you to take the next step. Timely financing can support competitiveness, expansion or the development of new products and services.
The interest rate of a business loan depends partly on the collateral. The stronger and more liquid the collateral, the lower the interest. If the loan is secured only with personal guarantees, the interest rate is typically higher due to increased risk. Common forms of acceptable collateral include real estate, residential property, shares and land such as fields or forest estates.
A collateral pool allows the same security to be used for several loans, which is a flexible option if you do not want to tie up all your assets in a single loan. We can help you choose the collateral structure that best suits your business.
Credit line – flexibility for your company’s cash flow
A company’s 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.
A credit line is particularly useful when:
Trade receivables are delayedbut salaries or bills need to be paid.
Seasonal variations put pressure on cash flow.
Unexpected costs arise and reserves are not sufficient
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.
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.
Apply for a credit line
Apply easily for a credit limit
Contact Konkretia Rahoitus and we will review your company’s financing needs together and agree on a suitable credit limit.
Access funds when needed
A credit line is linked to your business account, allowing you to draw funds whenever cash flow tightens or an investment opportunity appears.
Pay only for what you use
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.
Flexible financing for ongoing use
A credit line provides continuous and immediate access to financing without submitting new applications each time, available whenever the need arises.
With Konkretia Rahoitus, you can obtain a credit line easily.
We handle the negotiations with the banks on your behalf and make the entire process as smooth as possible for the entrepreneur. We understand that business owners have busy schedules, so we are happy to visit your office to review the available financing options and discuss the appropriate credit limit together. We arrange financing based on your company’s needs and preferences.
Invoice financing - faster access to trade receivables
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.
With invoice financing, you can:
Receive the money immediately, even if your customer pays later.
Keep cash flow more stable, since income no longer depends on long payment periods.
Finance growth and investments without extra waiting.
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 factoring.
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.
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.
This is how invoice finance works - free up your money for immediate use
1. Get invoice financing
Agree with Konkretia Finance on invoice financing and, if necessary, additional services such as reminder and collection services.
2. Bill normally
Send invoices to your customers as before - your process remains the same.
3. Get your money the same day
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.
Invoice financing - accelerate your cash flow without long payment periods
Invoice financing for companies that sell on invoice and want to ensure a steady flow of cash flow. The solution works particularly well for growing, seasonal and project-based businesses.
Here's how you benefit:
Get the money from your sales invoices into your account immediately, and don't expect long payment times.
Faster cash flow → easier to finance growth, development and investment at the right time.
Flexible corporate finance without unnecessary commitment - tailored to your business needs.
Concretia Financial invoice financing
We offer flexible invoice financing, which can be used quickly and without long-term contracts. We tailor the financing the situation of your business according to.
Additional invoice financing services
We can include in the package reminder and recovery services. Save time and resources when you outsource management of receivables us.
Inventory financing – support for purchasing and selling products
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.
With inventory financing, you can:
Purchase products in advance and offer customers a wider selection.
Keep cash flow more stable, as inventory costs do not need to be paid all at once.
Support growthby replenishing stock according to demand.
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.
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.
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.
Agile inventory financing for businesses of all sizes
Inventory financing 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 1 to 4 months , depending on your situation. This way you do not need to use your stock or assets as collateral.
Konkretia Rahoitus offers inventory financing that adapts to your company’s financial situation. The credit limit is flexible and can grow as your business grows.
How your business can benefit from inventory financing?
No collateral required
You do not need assets or inventory as security for the financing.
Flexible repayment
Choose a repayment schedule that suits your business, from 1 to 4 months.
Stronger credit limit
The amount of financing is based on your company’s actual financial performance.
Improved cash flow
Start selling products before you need to pay and keep your cash flow steady.
FAQ
Frequently Asked Questions
What information is required to apply for financing?
We need the company’s key financial information, including the latest financial statements and
interim reports (income statement and balance sheet).
This allows us to assess the company’s
situation and build the best possible financing solution.
How quickly can financing be obtained?
Once we have the necessary information about the company, we can usually provide a financing
offer within 24 hours.
We handle the entire process from start to finish and ensure that the financing progresses as quickly as possible
How does the process proceed after I have submitted the application?
We review the company’s details and financing needs and prepare a financing solution tailored to
your situation
Once you approve the proposal, we take care of all the required paperwork and move directly to implementing the financing.
Is applying for financing binding or subject to a fee?
No. Our model is success-based, which means our fee is charged only if the financing is completed according to the approved solution.
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