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Unclaimed
Discovery tool, not advice. Every figure is the published rule, not a decision on your case.
Loans

Finnvera Loan for Micro-Enterprise Growth

Status

Status not published

Applications accepted from 1 February 2026 in the Finnvera online service; no closing date published.

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Amount
€50,000

Loan of EUR 20,000-50,000; maximum loan period 5 years with up to one year instalment-free; interest six-month Euribor plus 4.5% p.a.; 1.5% service fee on withdrawal.

Funder

Finnvera Plc (state-owned)

public · national

Deadline: Open all year — Applications accepted from 1 February 2026 in the Finnvera online service; no closing date published.

Your odds
Not published

This funder does not publish a success rate. We rank it using the rate observed across similar programmes and label it as an estimate rather than implying we know.

Effort
quick

Quick — mostly identity and bank details.

This is de minimis aid. It counts against the €300,000 ceiling that applies to your company across a rolling three years in this member state (Commission Regulation (EU) 2023/2831). If a new award would take you over, Article 3(7) disqualifies that award in full rather than reducing it — so check your headroom before you apply, not after. Check your headroom for Finland.

Who can apply

Enterprises with fewer than ten employees and annual turnover or balance sheet up to EUR 2 million; each enterprise may receive the loan only once; start-ups also eligible from February 2026.

Related reading: How grant deadlines actually work · What is de minimis aid? · The EU SME definition (Recommendation 2003/361)

Apply on the funder's site

Source. https://www.finnvera.fi/eng/financing/loans/loan-for-micro-enterprise-growth

"Enterprises with 1–9 employees may apply for a loan for growth and enhanced productivity from 1 February 2026."

Last checked against the official page on 5 October 2026

Source: www.finnvera.fi

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