How to apply for financing for your company

You can apply for financing easily on our online service. This is the fastest way to apply for financing.
1

Have the necessary attachments available

Having the correct attachments available speeds up the processing of your application. See the list of required appendices on this page.

2

Complete the financing application on the op.fi service

You can use IDs granted by OP or another bank to verify your identity. We request that you provide information about your company's operations, such as current products and services, demand for them, the competitive situation and the outlook of your business. We will also ask you to give information about the project's overall funding and its effect on your company's operations and profitability. In order to grant financing, we will need some form of collateral. Consider in advance which assets your company could use as collateral for further financing.

3

We will contact you

Our financial specialists will process your application and contact you within a few business days. We will then go through the details of your application and answer any additional questions you may have. When processing your application, we will assess the creditworthiness of your company.

4

We will make a financing offer to your company

Once we have assessed your application and the necessary additional information, we will offer your company a financing solution that will support the growth and development of your company. You can look into our offer and discuss the terms and conditions and any other financing needs of your company with our expert before making your decision.  
 
Completing an application does not commit you to accepting any financing granted.

Attachments needed for the application

In order for us to grant financing, we must have comprehensive details about your company. To speed up the processing of your application, please have the following attachments available. 

  • The company's latest official financial statements provided your company has been running for at least one financial year, and auditor's report, if any 
  • If more than six months have passed since the end of the previous financial year, an accounting run or interim financial statements  
  • Business plan 
  • Cash flow statement 
  • Profit budget 
  • Forecasts for the effect of the financing on the company's future.

Make use of the templates for preparing the attachments

The Financial coaching for entrepreneurs page contains the necessary templates for the attachments.