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On the basic metrics alone, the score was 57.3 and the rank 5. The score is now 34.6 and rank 8 (▼ 3 places). The difference comes from buying motives: they measure what the buyer asks before deciding.
Finnvera Oyj on Suomen valtion erityisrahoitusyhtiö, jonka rooli poikkeaa kaupallisista lainanantajista: se rahoittaa ja takaa yrityksiä usein pankin rinnalla. Tuotevalikoima ja vähimmäissummat kuvataan selkeästi, ja yhtiö Y-tunnuksineen on avoin. Hinnoittelu on kuitenkin riskiperusteinen ja tapauskohtainen, joten korkoa, kuluja, vakuusehtoja tai esimerkkilaskelmaa ei julkaista - se painaa läpinäkyvyyspisteitä.
Buying motives checked on 12.10.2026 and basic metrics measured on 20.8.2026 from public sources. Same formula for everyone, read the full methodology.
| Price is shown in advance | 20 p × 30.0 % | 6.0 |
| Minimum loan amount | 11 p × 0.0 % | 0.0 |
| Maximum loan amount | 9 p × 0.0 % | 0.0 |
| Money to your account | 10 p × 0.0 % | 0.0 |
| Basic metrics | 50 % × 57,3 | 28.6 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Price is shown in advance | Interest fixed or reference rate, plus a delivery fee, figures not given on the loan page | finnvera.fi checked 12.10.2026 | 6.0 / 20 |
| Minimum loan amount NOTEThe loan is granted only as part of an overall financing package agreed with the bank. | 50 000 € | finnvera.fi checked 12.10.2026 | 0.0 / 11 |
| Maximum loan amount | The maximum amount is not stated on the Finnvera loan page, only the minimum. | finnvera.fi, Finnvera loan checked 12.10.2026 | 0.0 / 9 |
| Money to your account | When the money arrives in the account is not stated. The page only promises contact within about two weeks of the application. | finnvera.fi, Finnvera loan checked 12.10.2026 | 0.0 / 10 |
If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.
| Digital quality | 30 % × 81,9 | 24.6 |
| Transparency | 30 % × 17,5 | 5.2 |
| Reachability | 20 % × 75,0 | 15.0 |
| AI quality score | 20 % × 62,4 | 12.5 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 60/100 | Technical measurement | 24.0 / 40 |
| Accessibility | 99/100 | Technical measurement | 29.7 / 30 |
| Findability (SEO) | 92/100 | Technical measurement | 13.8 / 15 |
| Technical practices | 96/100 | Technical measurement | 14.4 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Interest rate or margin displayed without an application OBSERVATIONlainat-sivulla ei esitetä korkoa, marginaalia eikä viitekorkoa; Finnveran hinnoittelu on riskiperusteinen ja tapauskohtainen | No | Website + AI extraction | 0.0 / 20 |
| Withdrawal fee and other costs itemised OBSERVATIONtoimitusmaksua tai muita kuluja ei esitetä lainat-sivulla | No | Website + AI extraction | 0.0 / 15 |
| Loan amount and payment period range displayed OBSERVATIONLainat-sivulla vähimmäissummat kerrotaan (Yrittäjälaina vähintään 20 000 euroa, Finnvera-laina vähintään 50 000 euroa, Kasvulaina vähintään 500 000 euroa), mutta maksuaikaa ei | Partly | Website + AI extraction | 7.5 / 15 |
| Example calculation or total cost displayed OBSERVATIONjulkista esimerkkilaskelmaa ei ole | No | Website + AI extraction | 0.0 / 15 |
| Collateral requirements stated (unsecured or secured) OBSERVATIONvakuus- tai takausvaatimuksia ei kerrota lainat-sivulla; ne määräytyvät tuotteittain ja tapauskohtaisesti | No | Website + AI extraction | 0.0 / 15 |
| Early repayment terms stated OBSERVATIONennenaikaisen takaisinmaksun ehtoja ei kerrota lainat-sivulla | No | Website + AI extraction | 0.0 / 10 |
| Business ID (Y-tunnus) or operating company shown OBSERVATIONSivustolla Finnvera Oyj ja Y-tunnus 1484332-4; valtion erityisrahoitusyhtiö | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown OBSERVATIONAsiakaspalvelu 029 460 2580 (ma-pe 9:00-16:15) | Yes | Website + AI extraction | 30.0 / 30 |
| Email shown OBSERVATIONyleistä asiakaspalvelun sähköpostia ei näytetä selkeästi | Yes | Website + AI extraction | 15.0 / 15 |
| Chat support OBSERVATIONchat support is not mentioned | No | Website + AI extraction | 0.0 / 15 |
| Opening hours shown OBSERVATIONAsiakaspalvelu ma-pe 9:00-16:15 | Yes | Website + AI extraction | 15.0 / 15 |
| FAQ section OBSERVATIONUsein kysyttyä -osio osoitteessa /ota-yhteytta/usein-kysyttya | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app OBSERVATIONkuluttajan mobiilisovellusta ei ole; käytössä web-pohjainen asiointipalvelu | No | Website + AI extraction | 0.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 72/100 | AI analysis | 24.5 / 34 |
| Findability of pricing | 35/100 | AI analysis | 11.6 / 33 |
| Content coverage | 80/100 | AI analysis | 26.4 / 33 |
Oletko Finnvera-palvelun asiakas? Kerro kokemuksesi. Does not affect the Suomen Paras Score, the score is based on measurable data only.
The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.
With website and information fixes you gain at most +53.3 points: 34.6 → 87.9, rank 8 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The partner badge is a free mark of cooperation with the Suomen Paras comparison. It does not claim a ranking; any partner of ours can add it: companies included in the comparison, our customers and our cooperation partners, and it works as a link to this public profile.
