{"id":1794,"date":"2025-11-25T11:55:00","date_gmt":"2025-11-25T09:55:00","guid":{"rendered":"https:\/\/konkretiakirjanpito.fi\/?p=1794"},"modified":"2025-11-17T14:03:19","modified_gmt":"2025-11-17T12:03:19","slug":"if-you-are-starting-a-business-you-should-look-for-funding-tips-and-options","status":"publish","type":"post","link":"https:\/\/konkretiakirjanpito.fi\/en\/2025\/11\/mista-aloittavan-yrittajan-kannattaa-hakea-rahoitusta-vinkkeja-ja-vaihtoehtoja","title":{"rendered":"Where should a start-up entrepreneur look for funding? - Tips and options"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1794\" class=\"elementor elementor-1794\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f440772 e-flex e-con-boxed e-con e-parent\" data-id=\"3f440772\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-506c2d50 e-con-full e-flex e-con e-child\" data-id=\"506c2d50\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b023edc elementor-widget elementor-widget-heading\" data-id=\"4b023edc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The New Entrepreneur's Guide series<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3705c3b2 e-flex e-con-boxed e-con e-parent\" data-id=\"3705c3b2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3dd99848 e-con-full e-flex e-con e-child\" data-id=\"3dd99848\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a717afb elementor-widget elementor-widget-jkit_post_featured_image\" data-id=\"6a717afb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_featured_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-featured-image jeg_module___6a0490a969f1d\" ><div class=\"post-featured-image\"><img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/konkretiakirjanpito.fi\/wp-content\/uploads\/2025\/11\/Kuva-12-rahoitusvaihtoehdot-1024x683.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/konkretiakirjanpito.fi\/wp-content\/uploads\/2025\/11\/Kuva-12-rahoitusvaihtoehdot-1024x683.png 1024w, https:\/\/konkretiakirjanpito.fi\/wp-content\/uploads\/2025\/11\/Kuva-12-rahoitusvaihtoehdot-300x200.png 300w, https:\/\/konkretiakirjanpito.fi\/wp-content\/uploads\/2025\/11\/Kuva-12-rahoitusvaihtoehdot-768x512.png 768w, https:\/\/konkretiakirjanpito.fi\/wp-content\/uploads\/2025\/11\/Kuva-12-rahoitusvaihtoehdot-1536x1024.png 1536w, https:\/\/konkretiakirjanpito.fi\/wp-content\/uploads\/2025\/11\/Kuva-12-rahoitusvaihtoehdot-18x12.png 18w, https:\/\/konkretiakirjanpito.fi\/wp-content\/uploads\/2025\/11\/Kuva-12-rahoitusvaihtoehdot.png 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-583b92d e-flex e-con-boxed e-con e-child\" data-id=\"583b92d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78ec2c72 elementor-widget__width-auto elementor-widget elementor-widget-jkit_post_author\" data-id=\"78ec2c72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_author.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-author jeg_module__1_6a0490a96ab8a\" ><p class=\"post-author\">Juha Saari<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e7db94e elementor-widget__width-auto elementor-widget elementor-widget-jkit_post_date\" data-id=\"7e7db94e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_date.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-date jeg_module__2_6a0490a96b52d\" ><p class=\"post-date\">November 25, 2025<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-692585ca elementor-widget elementor-widget-heading\" data-id=\"692585ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Where should a start-up entrepreneur look for funding? - Tips and options<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ef53e99 elementor-widget elementor-widget-text-editor\" data-id=\"1ef53e99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Starting a business often requires more capital than many people initially think. Even if the business idea is strong and the plan is clear, money is still needed for things like equipment, marketing, working capital and possible initial purchases. Fortunately, there are many financing options available to the budding entrepreneur - as long as you know where to start.<\/p><p>In this guide we go through in concrete terms, <strong>where start-up entrepreneurs can apply for funding<\/strong>, what the different options mean in practice and how to ensure that the application process is as smooth as possible.<\/p><p>\u00a0<\/p><p><strong>1. Start-up money - support for the early stages of entrepreneurship<\/strong><\/p><p>Start-up money is one of the most common ways to finance a new entrepreneur. It is a discretionary grant provided by the TE services to help secure an income in the early stages of a business.<\/p><ul><li>As a rule, the aid is paid for 6 months<\/li><li>In certain cases, you can receive support for up to 12 months<\/li><li>Start-up money is not investment aid, but is intended for the entrepreneur's personal livelihood<\/li><\/ul><p>\u00a0<\/p><p>Start-up money is good <strong>a financing option for a start-up entrepreneur<\/strong>, once the business plan and profitability calculations are in place.<\/p><p>\u00a0<\/p><p><strong>2. A bank loan - a traditional but secure solution<\/strong><\/p><p>Bank loans are still an important part of start-up financing for businesses. Banks usually require collateral, so a guarantee from Finnvera, for example, is important for many start-ups.<\/p><p>A bank loan is particularly suitable:<\/p><ul><li>for investment<\/li><li>for equipment purchases<\/li><li>to cover working capital<\/li><\/ul><p>\u00a0<\/p><p>You are more likely to get bank financing if you present a clear budget, a realistic cash flow forecast and a credible business plan.<\/p><p>\u00a0<\/p><p><strong>3. Finnvera guarantees and loans<\/strong><\/p><p>Finnvera is a special state-owned financial institution that supports start-up and growth companies. Finnvera's role becomes more important when an entrepreneur does not have sufficient collateral for a bank loan.<\/p><p>Options suitable for the start-up entrepreneur:<\/p><ul><li><strong>Start-up guarantee<\/strong> - facilitate access to bank loans<\/li><li><strong>Small loans<\/strong> - even for small investments and working capital<\/li><li><strong>Entrepreneurial loan<\/strong> - to a person who owns a majority stake in the company<\/li><\/ul><p>\u00a0<\/p><p>Finnvera is for many <strong>company financing<\/strong> the first real partner alongside the bank.<\/p><p>\u00a0<\/p><p><strong>4. Business Finland - for innovative and growing businesses<\/strong><\/p><p>If your company is developing a new product, service or innovation, Business Finland could be the right funding partner for you. Their funding focuses on growth, internationalisation and product development.<\/p><p>Popular forms of financing:<\/p><ul><li><strong>Innovation voucher<\/strong><\/li><li><strong>Tempo funding<\/strong><\/li><li><strong>Research and development loans<\/strong><\/li><\/ul><p>\u00a0<\/p><p>Business Finland is particularly suitable for companies that invest in product development and want to target growth markets.<\/p><p>\u00a0<\/p><p><strong>5. Investors and venture capital - an option for a growth-oriented company<\/strong><\/p><p>If your company is aiming for rapid growth, <strong>business angels<\/strong>, investors and venture capitalists can be the solution. In addition to finance, they often bring expertise, networks and sparring.<\/p><p>The investments are suitable for companies that:<\/p><ul><li>are willing to give up a small share of ownership<\/li><li>aim for rapid growth<\/li><li>operate in a scalable market<\/li><\/ul><p>\u00a0<\/p><p>Investor finance is not usually the first option for traditional sole traders, but it is an excellent opportunity for growth companies.<\/p><p>\u00a0<\/p><p><strong>6. Business support and regional funding opportunities<\/strong><\/p><p>Many municipalities and regional actors offer grants and subsidies to promote local entrepreneurship. For example <strong>ELY Centres<\/strong> can cover development projects or investments.<\/p><p>You can also find:<\/p><ul><li>regional development funding<\/li><li>funding opportunities for business accelerators<\/li><li>local business funds<\/li><\/ul><p>\u00a0<\/p><p>Getting these usually requires more detailed planning and clear objectives.<\/p><p>\u00a0<\/p><p><strong>7. Crowdfunding - a modern alternative<\/strong><\/p><p>Crowdfunding offers the opportunity to raise funds from a wide range of people. It works best when your product or service attracts interest from a wide audience.<\/p><p>The most common forms:<\/p><ul><li>remunerated crowdfunding<\/li><li>crowdfunding in the form of loans<\/li><li>equity crowdfunding<\/li><\/ul><p>\u00a0<\/p><p>This option emphasises good marketing and a clear story.<\/p><p>\u00a0<\/p><p><strong>Summary<\/strong><\/p><p>A start-up entrepreneur doesn't have to finance everything on their own. Finland offers diverse and easily accessible <strong>financing options for start-ups<\/strong>, such as start-up money, bank loans, guarantees from Finnvera and even investors. With a clear business plan, budget and cash-flow projections, it is much easier to apply for funding.<\/p><p>If you need help with budgeting, calculations or choosing the right financing channel, <strong>Konkretia Kirjanpito<\/strong> will be happy to help.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e46d2b0 e-con-full e-flex e-con e-child\" data-id=\"2e46d2b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1910a5ca elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1910a5ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/konkretiakirjanpito.fi\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Uuden yritt\u00e4j\u00e4n opas -sarja Juha Saari 25 marraskuun, 2025 Mist\u00e4 aloittavan yritt\u00e4j\u00e4n kannattaa hakea rahoitusta? \u2013 Vinkkej\u00e4 ja vaihtoehtoja Yrityksen perustaminen vaatii usein enemm\u00e4n p\u00e4\u00e4omaa kuin moni aluksi ajattelee. Vaikka liiketoimintaidea olisi vahva ja suunnitelma selke\u00e4, tarvitaan silti rahaa esimerkiksi kalustoon, markkinointiin, k\u00e4ytt\u00f6p\u00e4\u00e4omaan ja mahdollisiin alkuhankintoihin. Onneksi aloittavalle yritt\u00e4j\u00e4lle on tarjolla useita rahoitusvaihtoehtoja \u2013 kunhan [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":1795,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13,52],"tags":[],"class_list":["post-1794","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogit","category-uuden-yrittajan-opas-sarja"],"_links":{"self":[{"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/posts\/1794","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/comments?post=1794"}],"version-history":[{"count":13,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/posts\/1794\/revisions"}],"predecessor-version":[{"id":1830,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/posts\/1794\/revisions\/1830"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/media\/1795"}],"wp:attachment":[{"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/media?parent=1794"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/categories?post=1794"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/tags?post=1794"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}