Business loan

Financing for business growth and investments

A business loan helps finance investments, working capital and other business development needs. We compare business loan options on your behalf and help you find the financing solution that best suits your business.

What is a business loan?

A business loan is a flexible financing solution when your business needs funding for investments, growth or day-to-day operations. The loan is repaid according to an agreed repayment schedule, and the terms are based on your business's individual situation.

A business loan can be used for:

Strengthening working capital, such as covering salaries, rent, material purchases and other day-to-day business expenses.
Investments, such as purchasing machinery, equipment, vehicles or business premises.
Supporting company growth, for example through recruitment, marketing or business expansion.

The loan terms depend on factors such as your company's financial situation, the loan amount, the repayment period and any collateral. In some cases, a Finnvera guarantee can make it easier to obtain financing, especially for start-ups and growing SMEs.

Business loans from 10 000 €

Konkretia Rahoitus compares business loan options on your behalf, gathers the information needed for the application and reviews the loan offers with you before you make a decision.

Our goal is to make applying for a business loan as simple and straightforward as possible, so you can focus on running your business.

Business loan terms and collateral

Every business has different financing needs. That's why the loan amount, repayment period and terms are tailored to your company's financing needs, financial situation and ability to repay the loan.

The interest rate depends on your company's financial situation, the collateral provided, the loan amount and the repayment period. Collateral may include, for example, real estate, apartments, shares or land, such as farmland or forest. If the loan is secured only by a personal guarantee, the interest rate is usually higher.

In some cases, the same collateral can also be used as security for a new loan through a secondary pledge. This allows your business to make more effective use of its existing collateral.

We'll help you find the right financing and collateral solution for your business.