Acquire a new type of asset in your investment portfolio to help mitigate risk. Choose the investment options, risk levels and estimated returns on assets that are right for you.

Support domestic entrepreneurship and help to create well-being for the entire society. You can choose a region to invest in and support the entrepreneurship of that specific region.

You’ll get competitive returns that don’t correlate with the stock market. You can reinvest your monthly returns in new loans with our Tuotto+ automated investing service. That’s how you earn compound interest.

Identification

You need to have the signatory rights of the company applying for the loan.

Information about the loan

Fill in the information about the loan: loan amount, interest, repayment period and purpose of the loan. You’ll get a calculation of all the loan expenses. The final interest rate is determined when we have verified your company’s credit rating and have determined the project’s creditworthiness.

Summary and login credentials

You’ll receive a summary of your loan application in your email, as well as login credentials and instructions on using our service.

Credit process

We require a detailed description of the project for which you are applying for the loan and information about your creditworthiness as the potential loan receiver. The more details and information you include, the faster we can process your application. We need all the requested attachments to support our decision-making process. In addition to our own credit process, we check the loan applicant’s identity and credit information from Suomen Asiakastieto Oy’s company information database.

Loan application to the marketplace

After approval in the credit process, your loan application will be published in our Corporate Loans marketplace. Your loan application will be valid for 60 days, during which investors can invest in the loan. You can check the status of your loan by logging in to the Corporate Loans service. After the loan is funded, we will contact you and you’ll be able to transfer the money.

Receiving the loan money

You can draw on your loan if an investment of at least 25% of your desired loan amount has been offered within the 60-day loan application period. Then, you have seven days to approve the loan offered to you and to confirm the loan agreement with your electronic signature through your e-bank account. When you have accepted the loan, you’ll receive the money (minus the origination fee) in your bank account within two bank days. If you do not accept or reject the loan within seven days, the loan application and the reserved investment funds will lapse.