Business loans and business finance

What the business loans and business finance page compares

This page compares loans and financing forms meant for companies: business loans, business credit lines, invoice financing, leasing and crowdfunding. It includes banks, finance companies and the state financier Finnvera. The price of business finance depends on the size of the company, its sector, collateral and ability to pay, so published figures are starting points and not offers. Where a lender publishes no price we mark it negotiable.

We currently track 17 lenders and 22 products, of which 1 have a published rate (status 07/10/2026). More detailed figures are in the market report and rate changes in the market watch.

Business loans and business finance in numbers

The table shows the business-finance product categories, the number of products and lenders and the range of published rates. The median describes a typical price better than the mean because a single outlier does not distort it. Order: categories by number of products; data as of 07/10/2026.

Lenders by group

Below are the lenders of this page by type. Each name leads to a profile page with products, price and supervision details.

Bank (3)

• Alisa Pankki – 1 product
• Nordea – 1 product
• OP – 1 product

Bank branch (4)

• Danske Bank – 1 product
• Norion Bank – 2 products
• Qred – 1 product
• Svea Bank – 3 products

Lender (2)

• Blue Finance – 1 product
• Kasvurahoitus – 3 products

Finance company (6)

• Business Credit – 1 product
• CapitalBox – 1 product
• Fundu – 1 product
• OPR-Finance – 1 product
• Siltaraha – 1 product
• smeGo – 1 product

Crowdfunding (not a bank) (1)

• Vauraus – 1 product

State financier (1)

• Finnvera – 1 product

How this group differs from the others

Business finance differs from consumer credit: the consumer-credit rate and cost caps do not apply to companies, collateral is more common and the price is set per company. The state financier Finnvera complements private finance with guarantees and loans, while invoice financing and leasing rest on receivables or the asset being acquired rather than a conventional loan.

Compare the other groups too: banks, finance companies and others and business loans. The full list is on the all lenders page.

Product types

• Business loan: 15 products, 15 lenders, no prices published.
• Invoice financing: 3 products, 3 lenders, no prices published.
• Business credit line: 2 products, 2 lenders, median rate 12.00%.
• Leasing: 1 products, 1 lenders, no prices published.
• Crowdfunding: 1 products, 1 lenders, no prices published.

How to compare

1. Choose the product category and decide the amount and term; test the payment in the calculator.
2. Compare the annual percentage rate (APR), or the total cost for business finance, not only the nominal rate.
3. See whether the price is published or negotiable, and check the lender’s supervision or registration.
4. Ask your chosen lenders for their own pre-contract information and compare it side by side.
5. Apply directly with the lender: Haeluotto does not process applications or make credit decisions.

Pros and limits

Advantages

• Different forms of finance in one comparison: loan, credit line, invoice financing, leasing.
• Banks, finance companies and Finnvera side by side.
• Where the price is missing you still see the basic terms of the product.

Limits

• The price is often negotiable, so a euro comparison is limited.
• Collateral and personal guarantees are common and tie the entrepreneur’s assets.
• Consumer protection does not cover business loans.

Who this group suits

Comparing business finance suits an entrepreneur looking for working capital, investment finance or a way to turn receivables into cash. It suits less if you need a consumer loan: consumer-credit protection does not cover credit granted to a company.

If you are unsure, start with the calculator and compare two or three lenders. More on product types is on the category pages: business loan, invoice financing, business credit line, leasing and crowdfunding.

Supervision and regulation

The consumer-credit rate caps do not apply to business finance. Banks are credit institutions supervised by Finanssivalvonta, and Finnvera is the state’s specialised financing company. You can check a registered lender in the Finanssivalvonta register of supervised entities and read more about price limits at the Finnish Competition and Consumer Authority. A consumer has a 14-day right of withdrawal and may repay early.

If an application is rejected

A refusal does not mean every lender will refuse, but a burst of applications does not help. Ask for the reasons, check your credit record and the positive credit register data, and consider whether a smaller amount or a longer term is realistic. Do not apply everywhere at once. If you already have payment difficulties, contact debt counselling before taking new credit. Other options are on the lender list.

Common mistakes when comparing

• Comparing only the monthly payment: a longer term lowers the payment but raises interest costs.
• Comparing the nominal rate although opening and monthly fees raise the real annual percentage rate.
• Assuming the published starting rate is your own rate: the final rate depends on the applicant.
• Applying to several lenders in a hurry without comparing.
• Forgetting rate risk on a Euribor-linked loan.
• Not checking whether the lender is registered or supervised.

The calculation method and sources are described on the methodology page, and the monthly payment can be checked in the calculator.

Where the data comes from and how it updates

Figures are collected automatically from lenders’ own public pages and checked every night. If a page does not respond we keep the previous value and do not replace it with a guess. Rate changes are logged in the market watch and the method is described on the methodology page. Haeluotto receives no commission from lenders for listing, and commercial relationships do not affect the order.