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

Finnvera Start Guarantee

Finnvera Start Guarantee (Starttitakaus)

Status

Open continuously

No deadline — apply whenever you are ready.

Always open
Amount
€160,000

Guarantee covering at most 80% of a bank loan; minimum guarantee EUR 10,000 and up to EUR 160,000 in total per enterprise; no self-financing contribution required; guarantors cover 25% of the guarantee amount (min EUR 3,000).

Funder

Finnvera Plc (state-owned)

public · national

Deadline: Open all year — Rolling; applied for through the bank. Applications processed within three banking days.

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

Finnish companies or registered private entrepreneurs (not cooperatives or registered associations); new SMEs. Contains de minimis aid.

Related reading: How grant deadlines actually work · What is de minimis aid?

Apply on the funder's site

Source. https://www.finnvera.fi/eng/financing/guarantees/start-guarantee

"Finnvera’s Start Guarantee helps new SMEs to obtain bank financing for various investment and working capital needs."

Last checked against the official page on 5 October 2026

Source: www.finnvera.fi

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