Financing solutions for businesses

Suomen Rahoitus offers a comprehensive range of business financing services designed to meet the real needs of Finnish businesses. We specialize in solutions that free up capital tied to receivables and trade — quickly and without the heavy collateral requirements of traditional bank loans. Our goal is for every client to find a financing solution suited to their situation.

Invoice financing is our most popular service and is especially suitable for companies whose customers pay invoices with long payment terms. With factoring, you sell your receivables to us and receive the funds typically within 24 hours. The difference between invoice financing and traditional factoring is practically negligible — it's the same mechanism, but with Suomen Rahoitus the process is digitized and transparent. You don't need separate collateral, as the financing is based on the value of the invoices.

Working capital financing complements invoice financing in situations where you need free capital for seasonal fluctuations, accepting larger orders, or investments. According to the Finnish Entrepreneurs' financing barometer, lack of working capital is the most common reason SMEs miss growth opportunities. With working capital financing, you get the funds you need quickly and with flexible repayment terms.

Export trade financing is intended for companies that sell their products or services abroad. In international trade, payment terms are often longer, currency risk is real, and assessing the buyer's creditworthiness is more challenging. We offer export receivables financing that protects your cash flow and lets you focus on growing sales in new markets. Finnvera's export guarantees can complement our service and further reduce your risks.

Trade financing serves companies that need financing for goods purchases — for example, importers and wholesalers. We finance your purchase invoices, allowing you to negotiate better prices from your suppliers by paying cash and sell the goods onward with your own payment terms. This improves your margins and frees up working capital.

SME financing solutions work best when tailored to the company's situation. That's why we always recommend starting with a conversation: tell us about the nature of your business, cash flow structure, and financing needs, and we'll help you choose the right combination of services. Our clients include companies from nearly all industries — from construction to IT consulting and from manufacturing to service sectors.