• Values and vision
• An industrial policy actor
• Strategy
• Finnvera in 2005

Finnvera plc is a specialised financing company owned by the State of Finland. Supplementing the financial market, it enhances the the opportunities available to Finnish enterprises during start-up, growth and internationalisation as well as in exports. Finnvera provides financing in the form of loans, guarantees, capital investments and export credit guarantees.

By supplementing the financial market and by providing financing, Finnvera promotes

• the business of small and medium-sized enterprises
• exports and internationalisation efforts of enterprises
• realisation of the government’s regional policy goals.

When an enterprise’s own resources or collateral are insufficient, Finnvera grants financing for operations that are based on a good business idea and meet profitability criteria. The State of Finland covers some of Finnvera’s credit and guarantee losses. This enables Finnvera to take higher risks than operators working on market terms and to share risks with other financiers. Thanks to interest subsidies granted on regional policy grounds and by the European Regional Development Fund, enterprises operating in areas eligible for national and EU support can obtain financing at a lower cost.

In domestic financing, Finnvera’s clientele consists of entrepreneurs, founders of enterprises, and SMEs. In the financing of exports, the clients are Finnish enterprises and financial institutions in Finland and abroad. Finnvera is Finland’s official export credit agency (ECA). The State of Finland is responsible for Finnvera’s commitments.