Corporate loan
Financing for companies of all sizes.Corporate loan to enable your company's growth
When you want to expand your business, ensure the future of your business operations or maybe buy more equipment, we can offer a suitable loan for you.
A loan that meets your business needs, also for small businesses.
Our experts will evaluate your company’s needs and offer a suitable loan for your business – even if you are a private trader. We will always calculate the best loan offer on a case-by-case basis. We view your business as a whole, also taking into account risks related to financing.
Quick and easy online loan application
Apply for a loan for your business at op.fi. Once you have filled in a corporate loan application, our experts will be in touch within a few business days to start the loan negotiations.
Corporate loans for a variety of needs and purchases as well as business expansion
With a corporate loan you can finance your company's investments, purchases of tools, and business expansion. Private traders, limited liability companies and other company types can apply for a corporate loan. Whether the loan is large or small, it will be tailored according to your company’s situation and financing needs. For smaller, maybe recurring working capital needs, credit limit type finance is often a more flexible option. We will adjust the loan term and repayment instalments according to your company's repayment capacity. This ensures that purchases requiring financing will not excessively burden your business and lets you allocate costs over several years.
Planning a renovation to improve energy efficiency?
Our sustainable financing solutions are suitable for SMEs, private traders and housing companies that are planning repairs and renovation to improve energy efficiency, for example.
Requirements for a corporate loan
The most important issues we look at in our loan decision are your company’s financial standing, liquidity and outlook. The company and the people behind it must also have a good credit history. In many cases, you will also need to provide collateral for the loan.
Corporate financing options
Does your company need working capital? Or are you buying machinery or equipment? Read also about our financing options. It may also be possible to get financing without collateral.
Applying for corporate financing
When applying for a corporate loan for your business, first fill in your company’s basic details in the loan application. We will be in touch with you within a few business days.
- Fill in a corporate loan application online.
- We will be in touch with you within a few business days.
- We'll discuss the best solution with you and calculate the loan’s pricing.
- You will receive a non-binding loan decision that is suitable for your company’s needs and situation.
To receive the financing decision faster, have the necessary documents handy when filling in the application.
How are the price and interest rate of a corporate loan determined?
The price of a corporate loan consists of interest and any management and drawdown fees. The price is determined based on the reference interest rate (such as Euribor) and the bank's margin, which depends on the company's repayment capacity, collateral and loan term. The interest of a corporate loan may be floating of fixed. Once you have submitted your application, one of our experts will tailor the loan terms to meet your needs and help you prepare against risks, such as rising interest rates.
What are the accepted types of collateral for a corporate loan?
Corporate loans are usually granted against collateral, which may be in the form of a real security (such as a piece of property or business mortgage) or a guarantee. The guarantor can be a natural person or, for example, Finnvera, a state-owned specialised financing company whose guarantees cover a substantial part of the required corporate loan collateral.
Why should I include interest rate hedging for a corporate loan?
The best corporate loan for your company includes interest rate protection. Interest rate hedging is an effective way to manage the interest rate risk of a corporate loan. OP offers several interest rate hedging products from which to select a suitable solution for your company.
Corporate loans are issued by OP cooperative banks or OP Corporate Bank plc.