{"id":4460,"date":"2026-07-03T12:39:19","date_gmt":"2026-07-03T09:39:19","guid":{"rendered":"https:\/\/konkretiarahoitus.fi\/?p=4460"},"modified":"2026-07-03T12:39:22","modified_gmt":"2026-07-03T09:39:22","slug":"henkilotakaus-yritysrahoituksessa-milloin-ja-miksi-sita-vaaditaan","status":"publish","type":"post","link":"https:\/\/konkretiarahoitus.fi\/sv\/henkilotakaus-yritysrahoituksessa-milloin-ja-miksi-sita-vaaditaan","title":{"rendered":"Personlig borgen vid f\u00f6retagsfinansiering: n\u00e4r kr\u00e4vs den och varf\u00f6r?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4460\" class=\"elementor elementor-4460\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2a8a10 e-flex e-con-boxed e-con e-parent\" data-id=\"c2a8a10\" 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-2c00177 elementor-widget elementor-widget-heading\" data-id=\"2c00177\" 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\">Personlig borgen vid f\u00f6retagsfinansiering: n\u00e4r kr\u00e4vs den och varf\u00f6r?<\/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<div class=\"elementor-element elementor-element-e3a5604 e-flex e-con-boxed e-con e-parent\" data-id=\"e3a5604\" 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-e493e97 elementor-widget elementor-widget-text-editor\" data-id=\"e493e97\" 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 class=\"p1\">N\u00e4r ett f\u00f6retag ans\u00f6ker om f\u00f6retagsfinansiering kan l\u00e5ngivaren kr\u00e4va en personlig borgen. D\u00e4rf\u00f6r \u00e4r det viktigt att f\u00f6rst\u00e5 vad en personlig borgen inneb\u00e4r i praktiken och vilket ansvar den medf\u00f6r.<\/p><p class=\"p1\">S\u00e4rskilt f\u00f6r nya f\u00f6retag eller f\u00f6retag med begr\u00e4nsade s\u00e4kerheter kan en personlig borgen vara en f\u00f6ruts\u00e4ttning f\u00f6r att f\u00e5 finansiering. D\u00e4rf\u00f6r \u00e4r det bra att veta n\u00e4r den kan kr\u00e4vas och vad den inneb\u00e4r f\u00f6r f\u00f6retagarens privata ekonomi.<\/p><h5 class=\"p1\"><strong>Vad \u00e4r en personlig borgen?<\/strong><\/h5><p class=\"p1\">En personlig borgen inneb\u00e4r att f\u00f6retagaren eller en annan privatperson tar ett personligt ansvar f\u00f6r f\u00f6retagets l\u00e5n. Om f\u00f6retaget inte kan betala tillbaka l\u00e5net \u00f6verg\u00e5r ansvaret till borgensmannen. Beroende p\u00e5 vad som anges i borgensavtalet kan ansvaret omfatta personliga besparingar, l\u00f6neinkomster eller i vissa fall \u00e4ven andra privata tillg\u00e5ngar.<\/p><p class=\"p1\">En personlig borgen \u00e4r d\u00e4rf\u00f6r inte ett litet \u00e5tagande. Den kan p\u00e5verka f\u00f6retagarens privata ekonomi och vardag direkt.<\/p><h5 class=\"p1\"><strong>N\u00e4r kr\u00e4ver l\u00e5ngivaren vanligtvis en personlig borgen?<\/strong><\/h5><p class=\"p1\">En l\u00e5ngivare kan kr\u00e4va en personlig borgen n\u00e4r:<\/p><ul><li class=\"p1\">f\u00f6retaget saknar tillr\u00e4ckliga s\u00e4kerheter<\/li><li class=\"p1\">det s\u00f6kta l\u00e5net \u00e4r stort i f\u00f6rh\u00e5llande till f\u00f6retagets storlek<\/li><li class=\"p1\">f\u00f6retaget \u00e4r nystartat eller verkar i en bransch som bed\u00f6ms inneb\u00e4ra h\u00f6gre risk \u00e4n normalt<\/li><\/ul>\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<div class=\"elementor-element elementor-element-fd5380e e-flex e-con-boxed e-con e-parent\" data-id=\"fd5380e\" 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-ef59083 elementor-mobile-align-justify elementor-align-center elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"ef59083\" 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\/sv\/kontakt\/\">\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\">Kontakta oss!<\/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":"<p>Henkil\u00f6takaus yritysrahoituksessa: milloin ja miksi sit\u00e4 vaaditaan? Yrityslainaa hakiessa rahoittaja saattaa edellytt\u00e4\u00e4 henkil\u00f6takausta. Silloin on olennaista hahmottaa, mit\u00e4 takaus k\u00e4yt\u00e4nn\u00f6ss\u00e4 tarkoittaa ja mihin kaikkeen oma nimi paperissa sitoo. Erityisesti nuorilla yrityksill\u00e4 tai rajallisten vakuuksien tilanteessa henkil\u00f6takaus voi olla rahoituksen edellytys, joten on t\u00e4rke\u00e4\u00e4 tunnistaa, milloin sit\u00e4 pyydet\u00e4\u00e4n ja mit\u00e4 se merkitsee yritt\u00e4j\u00e4n omalle taloudelle. Mik\u00e4 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4461,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[373,379,374,377,383,387,285,348,376,162,382,390,388,264,218,386,391,266,385,240,138,372,389,137,378,375,381,384,364,380,159],"class_list":["post-4460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-henkilotakaaja","tag-henkilotakaus","tag-henkilotakaus-yrityslainassa","tag-henkilotakaus-yritysrahoituksessa","tag-investointilaina","tag-pk-yrityksen-rahoitus","tag-rahoittaja","tag-rahoituksen-kilpailutus","tag-takaus","tag-tililimiitti","tag-yrittajan-henkilokohtainen-vastuu","tag-yrittajan-vastuu","tag-yrityksen-investointi","tag-yrityksen-kassavirta","tag-yrityksen-kasvu","tag-yrityksen-kayttopaaoma","tag-yrityksen-laina","tag-yrityksen-maksuvalmius","tag-yrityksen-rahoituksen-kilpailutus","tag-yrityksen-rahoitus","tag-yrityksen-rahoitusratkaisut","tag-yrityksen-vakuudet","tag-yrityksen-vakuus","tag-yrityslaina","tag-yrityslainan-takaus","tag-yrityslainan-vakuudet","tag-yritysluotto","tag-yritysrahoituksen-ehdot","tag-yritysrahoituksen-vaihtoehdot","tag-yritysrahoituksen-vakuudet","tag-yritysrahoitus"],"_links":{"self":[{"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/posts\/4460","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/comments?post=4460"}],"version-history":[{"count":7,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/posts\/4460\/revisions"}],"predecessor-version":[{"id":4472,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/posts\/4460\/revisions\/4472"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/media\/4461"}],"wp:attachment":[{"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/media?parent=4460"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/categories?post=4460"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/tags?post=4460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}