Financing for all B2B industries

Every industry is different, and this is directly reflected in corporate financing needs. A construction company needs financing to cover long payment terms, while an e-commerce business ties up capital in inventory and shipping. According to Statistics Finland, there are over 310,000 companies in Finland, and their financing challenges are as diverse as their business models. Industry-specific financing means that the solution is tailored to the unique characteristics of each sector.

SME financing varies across industries, particularly in cash flow structure. In service sectors like consulting and IT, cash flow comes mainly from hourly billing — often with 30–60 day payment terms. In manufacturing and construction, capital is tied up in materials, subcontracting, and work-in-progress for months before the customer pays. In wholesale and imports, financing inventory is the key challenge.

Suomen Rahoitus has built deep expertise in financing needs across industries over the years. We serve companies in over 15 industries, each with tailored financing criteria. For example, in construction we typically accept progress invoices with completion percentages, while in staffing we finance hourly billing receivables. This specialisation speeds up financing decisions and improves approval rates.

Export companies face unique challenges that require specialised financing expertise. Currency risk, assessing foreign buyer creditworthiness, and different trade customs make export receivable financing more complex than domestic trade. In partnership with Finnvera, we can offer exporters a secure financing structure with balanced risk distribution.

Explore our industry pages to learn more about the financing challenges and solutions for each sector. You'll also find examples of how similar-sized companies have used financing in their own industry. If you don't see your industry listed, contact us — we serve virtually all B2B invoicing industries.