Myyjäliikeyhteistyö

Vendor cooperation

A variety of solutions for financing your company's sales.

Need more consumer financing options to be able to offer your company's customers more diversified payment methods? From our extensive product range, you can find the solution suitable to your company. By combining the desired product features, we can solve even the most challenging financing needs.

Benefits for your company

  • Financing solutions can be tailored to suit your company's needs or brand.
  • Versatile financing options and payment methods are likely to increase your sales.
  • Your accounts receivable invoices will decrease because you will receive payment after you have delivered the products.
  • Your risks will reduce because after a credit approval the customer credit risk is transferred to OP.
  • After signing a vendor cooperation agreement, you can submit financing applications easily on our Vendor Financing Service, 24/7.

Please do not hesitate to contact us, we will be glad to tell you more about the various options.

Sales finance is likely facilitate and quicken a customer's buying decision, boost sales and the profitability of an individual sale. It also reduces your risk and speeds up your cash flow.
Timo Vähänen‚ Finance Director, OP

Our financing services for car dealers enable offering your customers financing for passenger cars and vans, campervans and caravans, motorcycles, snowmobiles and boats or yachts. Our main products are hire purchase and finance lease.

For your company, we provide a comprehensive service to support your car sales, from financing to contract portfolio management and reporting. Our specialists will help you with practical issues. In addition to car dealer financing, your company can also use overdraft facility as a loyal customer account for customers in need of financing for tyres, spare parts or service and maintenance. Read more about this below.

Through us, your company can also offer your customers financing for machinery or equipment. Our main products are hire purchase and finance lease.

Our solutions help increase your sales and improve your company's competitiveness. We will provide you with support on the sales of financing products and ensure that you will have all the necessary services available.

Yrityksesi voi tarjota kuluttaja- ja yritysasiakkaille pienlaiterahoitusta, jota voidaan käyttää rekisteröitävien ja rekisteröimättömien koneiden ja laitteiden rahoittamiseen (esim. veneet, mönkijät, mopoautot, moottorikelkat, vesijetit ja ruohonleikkurit).  Rahoitusta voi tarjota myös huoltojen ja korjausten maksamiseen.

Rahoitus on vakuudeton, joten asiakas ei tarvitse käsirahaa ja omistusoikeus kohteeseen siirtyy heti asiakkaalle.

Luoton määrä on 1 000-20 000 euroa. Laina-aika kuluttaja-asiakkaalle 1-7 vuotta ja yritysasiakkaalle 1-5 vuotta.

Henkilöasiakkaan saama rahoitus kerryttää OP-bonuksia osuuspankkien omistaja-asiakkaille.

 

You can also offer your customers a one-off loan for financing bigger household purchases, renovation, machinery purchases or healthcare. For financing household renovation projects, a jointly and severally liable loan applicant can also be included.

In support of one-off loans, your company's website can also begin to host an electronic channel through which your customers can themselves submit financing applications.

The amount of credit ranges from 1,000 to 3,000 euros and your customer can select a loan term between 1 and 7 years. For borrowers who are private customers and our owner-customers, financing will also generate OP bonuses. Your customer can also apply for a tax deduction with respect to interests paid.

Mastercard is an international charge card, ATM card and credit card which your company can offer to its customers through us. Typical uses for the card include purchases and services related to leisure time or home.

Your customers can make their first purchases as soon as their applications are approved. With card financing for Mastercard from us, you can also use various billing period campaigns enabling you to offer your customers more flexible payment options.

Mastercard is accepted around the world, also in online stores. The amount of credit ranges from 1,000 to 6,000 euros.

Overdraft facility means revolving credit offered to your customer through your company. It can be used for purchasing supplies related to home construction, renovation, decoration or gardening. Your customers can use overdraft facility for further purchases whenever they wish. The product is thus particularly suitable for companies with long-term customer relationships.

In support of overdraft facility, your company's website can also begin to host an electronic channel through which your customers can themselves submit financing applications.

If you are a car dealer, your company can use overdraft facility as a loyal customer account for customers in need of financing for tyres, spare parts or service and maintenance.

With overdraft facility, the amount of credit ranges from 500 to 7,500 euros and the customer's minimum monthly repayment is 50 euros, depending on the amount of credit.