Why choose working capital financing?
Benefits of working capital financing
No collateral required
Working capital financing does not require property or business mortgages. The financing decision is based on your company's cash flow and financial situation.
Fast decision
You typically receive a financing decision within 24 hours of applying. Funds can be in your account as early as the same day.
Flexible repayment
We tailor repayment to your company's cash flow. You can choose monthly installments, bullet repayment, or another model that suits you.
Growth financing
Finance new projects, recruitment, or marketing without waiting for cash flow to accumulate. Seize growth opportunities immediately.
Seasonal fluctuations
Smooth out seasonal variations in your business with working capital financing. Ensure your company runs smoothly even during quieter months.
Investments
Finance machinery, equipment, or inventory investments without tying up your working capital long-term. Keep your cash healthy while investing.
How to apply for financing
Financing in four steps
Fill in the application
Complete a short application online. We need basic information about your company and financing needs. Filling in the application takes just a few minutes.
Fill in the application
Complete a short application online. We need basic information about your company and financing needs. Filling in the application takes just a few minutes.
Credit analysis
We analyze your company's financial situation, cash flow, and business plan. If needed, we request additional information or financial statements.
Credit analysis
We analyze your company's financial situation, cash flow, and business plan. If needed, we request additional information or financial statements.
Financing decision
You receive a financing decision and offer typically within 24 hours. The offer includes clear terms, interest rate, and repayment schedule.
Financing decision
You receive a financing decision and offer typically within 24 hours. The offer includes clear terms, interest rate, and repayment schedule.
Funds to your account
Once you accept the offer, funds are transferred to your company's account. At fastest, funds are available the same day.
Funds to your account
Once you accept the offer, funds are transferred to your company's account. At fastest, funds are available the same day.
"Lack of working capital is the most common reason why growing SMEs miss opportunities. Timely working capital financing can be a crucially important investment in the future – it enables growth without cash flow becoming a bottleneck."
— Aaron Vihersola
Founder & CEO, Suomen Rahoitus
Financing expert | Over 5 years of experience in business financing solutions
Frequently asked questions
Everything about working capital financing
Industries
Working capital
See how working capital suits different industries and read our industry-specific solutions.