Home › Business loans
The entrepreneur asks whether the price is visible before applying, what the smallest and largest loan amount is and how quickly the money arrives in the account. These decide 50 points out of 100.
Score shows how the company does on our comparison criteria, on a 0–100 scale. Rankings cannot be bought.
Basic metrics · 81.7
+ The calculator shows the total loan amount and monthly instalment in euros immediately, so the total cost is publicly visible
Basic metrics: 81.7, rank 1 · no change
Basic metrics · 80.8
+ The pricing model is exceptionally clear: monthly cost from 1.75%, and no other costs apply on top
Basic metrics: 80.8, rank 2 · no change
Basic metrics · 71.0
+ The interest rate is stated as a starting level (from 6%) directly on the product page, which is rare in the industry
Basic metrics: 71.0, rank 3 · no change
Basic metrics · 75.7
Basic metrics: 75.7, new in the comparison
Basic metrics · 65.7
+ Loan amount (5,000-3,000,000 euros) and repayment period (6-60 months) are clearly stated
Basic metrics: 65.7, rank 4 · ▼ 1 place
Basic metrics · 64.5
Basic metrics: 64.5, new in the comparison
Basic metrics · 51.3
+ Loan amount (25,000-2,000,000 euros) and repayment period (at most 60 months) are stated clearly
Basic metrics: 51.3, rank 6 · ▼ 1 place
– Money in the account: When the money arrives in the account is not stated on the business loan, unsecured business loan or interest pages, only the loan decision time.
Basic metrics · 57.3
+ Operating company Finnvera Oyj and business ID (Y-tunnus) 1484332-4 as well as state ownership are openly stated
Basic metrics: 57.3, rank 5 · ▼ 3 places
– Maximum loan amount: The maximum amount is not stated on the Finnvera loan page, only the minimum amount.
Weights are fixed. All companies are measured on the same scale. Read the full methodology.
| Buying motive | What is measured | Scale | Weight |
|---|---|---|---|
| Price is shown in advance QUESTIONCan I see the price of the loan before I submit an application? | Whether the company states the price as a figure on its own website or only what the price consists of. | Price as a figure or in a calculator before the application = 100 points, only a pricing principle without a figure = 30, price not stated = 0. | 20 p |
| Minimum loan amount QUESTIONCan I get a loan for a small need too? | Smallest loan amount in euros stated by the company. | €1,000 or less = 100 points, €50,000 or more = 0, in between directly proportional. | 11 p |
| Maximum loan amount QUESTIONIs the loan enough for a large investment too? | The largest loan amount in euros that the company states. | 2,000,000 € or more = 100 points, 100,000 € or less = 0, in between directly proportional. | 9 p |
| Money to your account QUESTIONHow quickly does the money arrive in the account? | Fastest stated time from the loan being granted to the money being in the company's account. | Same day = 100 points, 1–2 working days = 60, over 2 working days = 0. | 10 p |
| Basic metrics | Digital quality, transparency, reachability and AI quality score | Basic metrics × 0.5 | 50 p |
We scored 8 lenders offering business loans in Finland on 20 metrics. The most important question: are the loan price, costs and terms publicly visible before applying, or does the interest rate only become clear in the offer?
A business loan is financing that a company applies for to fund investments, growth or working capital. Unlike consumer credit, the price is almost always company-specific: it is determined by the company's turnover, industry, creditworthiness and cash flow. Therefore a public interest rate is at best a from-figure or a pricing model, not a ready price. This comparison does not say who is cheapest for your company, but measures how openly each lender discloses the price, fees and terms before the application.
Interest rate or margin displayed without an application (20), drawdown fee and other costs itemised (15), loan amount and repayment period range displayed (15), example calculation or total cost displayed (15), collateral requirements stated (unsecured or secured) (15), terms of early repayment stated (10), business ID (Y-tunnus) or operating company displayed (10)
Transparency is 30% of the basic metrics, i.e. 15% of the total points · these metrics make up its 100 points · the full formula and the other pillars
How to read the comparison correctly: Half of the points come from buyer's questions, i.e. things the buyer finds out before deciding. The other half measures how openly the company publishes its prices, terms and contact details. Clear differences in points indicate a genuine difference: one tells you the price immediately, another only after logging in. Close scores should not be read as a ranking order, because every measurement has a margin of variation. The measurement accuracy and the full calculation formula are open in the methodology.
Customer experience is brought into the assessment separately. We also collect customer feedback and customer experiences about companies through separate surveys. The survey results will be added to the overall assessment later.
This page compares financing aimed at businesses, not consumer credit. The metrics concern the public transparency of the price and terms of a business loan: whether the interest rate or margin is visible, whether the drawdown fee and other costs are itemised, whether the loan amount and repayment period ranges, collateral requirements and early repayment terms are stated before the application. We do not broker loan applications or give financial advice.
The actual interest rate is always company-specific. The price of a business loan depends on the company's turnover, industry, creditworthiness and cash flow, so the public interest rate is at best a from-figure or a pricing model. Some operators state it openly (Qred's monthly cost from 1.75%, Alisa's interest rate from 6%, Siltaraha's price in euros in the calculator), others only in a quote. The comparison rewards openness, not the cheapest price, which no one can promise in advance.
Why are the big banks and OP missing? Nordea's, Danske Bank's and OP's business loans are priced case by case, and the product's price or terms cannot be found publicly without logging in or making contact. That is a measurement gap, not a zero: we leave them out rather than give them an invented estimate. Finnvera is included as the state's special financier, whose role and product range differ from commercial loans.
You cannot buy an investment or a loan from this page. The comparison describes the measurable features of the financiers' public websites on the given day. It does not tell whether it is worth taking a loan, or who is the cheapest for your company. Some of the links may be ad links; they do not affect the points.
Every company is measured with the same public formula: half of the points come from buyer's questions and half from basic metrics, which have four pillars: technical quality, transparency, reachability and AI quality score. Ranking cannot be bought, and you can see the origin of each point on the company's profile. Read the full methodology →
The price of a business loan is almost always company-specific: it depends on turnover, industry, creditworthiness and collateral. That is why a lender can publish at most a from-level or a pricing model, and the final interest rate becomes clear only after the application and credit decision. The comparison rewards openly stating the from-level and fees, not promising a particular price that no one can guarantee in advance.
In an unsecured loan the company does not give assets as collateral, but the loan often requires a personal guarantee and the amounts are smaller. In a secured loan the collateral is, for example, real estate or equipment, in which case the amounts can be larger and the interest lower. Many lenders offer an unsecured loan up to a certain euro amount and require collateral for larger ones.
A Finnvera guarantee means that Finnvera, the state's specialised financing company, guarantees part of a loan granted by a bank or other financier, typically 50-80 percent. The guarantee reduces the financier's risk and can help a company obtain a loan even if its own collateral is not sufficient. The guarantee is not free; a separate fee is charged for it.
Digital lenders can give a preliminary credit decision immediately after the application and pay the money into your account even on the same or the next working day. Speed, however, says nothing about the price of the loan: a fast loan can be expensive. Always compare the total cost before deciding on the basis of speed.
The free pre-analysis shows every item where your company loses points and which rank fixing it is enough for. The paid analysis shows what the items are and how to fix them.
Can't find your company on the list even though it should be there? Get in touch and we will include it in the next measurement round.
See the free pre-analysis A ranking cannot be bought. The analysis shows how it is earned.