Start-up financing
Business loan for startups — launch your operations
A startup needs money for equipment, stock, marketing and the first months. We help you find a financier who believes in your business plan — not just in financial statements.
Calculate your monthly payment
Move the sliders for a real-time estimate. The final rate depends on your company's financials.
Estimated monthly payment
€6,672
- Interest (from 9.8% + 12-month Euribor)
- 12.30 %
- Activation fee (3%)
- €6,000
- Admin fee, 1st month (0.2%)
- €400
- Repayment period
- 36 mo
- Total payable (estimate)
- €254,015
Early repayment 1.3% of principal. Example uses 12-month Euribor 2.5%.
Benefits
Financing already at the founding stage
€5,000 – €100,000
Decision typically in 24–48 hours
Term 12 – 60 months
Repay early without fees
Personal financing specialist included
What start-up financing is used for
Equipment & tools
Computers, machinery, vehicles — the tools that get the work done.
Working capital
Wages, rent and other running costs for the first months.
Stock
Initial inventory and covering orders before sales.
Marketing
Website, advertising, branding — the first euros spent on customer acquisition.
Premises
Rent deposits, fit-out and moving/renovation costs.
Licensing
Software licences, certifications and industry-specific permits.
Is start-up financing right for you?
Right for you if…
- You have founded or are founding a company
- You have a clear business plan and financing calculation
- Your personal credit history is in order
- You're prepared to give a personal guarantee
May not fit if…
- You don't yet have any plan in writing
- Active personal payment defaults
- You need more than €100,000 — Finnvera or a bank is a better fit
Frequently asked questions
Apply for start-up financing
We usually get back to you the same business day. Submitting is non-binding.
See also: For sole traders · Business loan · €50,000 business loan