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. Filling in an application does not commit you to accepting any financing granted.
Steps of the financing application process
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Complete the financing application at op.fi.
You can use IDs granted by OP or another bank to verify your identity. -
Our experts will contact you within a few banking days after receiving your application.
When processing the application, we will assess your company’s creditworthiness and map out a solution meeting its needs. -
We will make a financing offer to your company.
We calculate the best financing offer on a case-by-case basis.
Speed up the processing of the application
In financing negotiations, we are interested in aspects related to your business such as:
Business description
Briefly describe your company’s current products and services and their demand. Also, outline the market situation, key competitors and the company’s outlook. Describe the company's cash flow generation and other matters that you consider necessary. Describe the project for which your company seeks financing.
Description of the purpose
Describe the purpose of the financing (such as buildings or premises, land, working capital, or an investment that supports the green transition or promotes sustainability goals). How will the company finance the whole project (for example, the company's cash, cash flow during the current year, bank loan or investments of shareholders' equity in the company)? What effect will the project have on the company's business and future profitability?
Collateral
Give your assessment of the available collateral. The assessment of collateral is not compulsory, but it speeds up the application process. You can still supplement any missing collateral during the financing negotiations.
Attachments
As a prerequisite for financing, we need to have comprehensive information about the company. You can add attachments to speed up the processing of the financing. We are interested in the following information, for example:
• The latest official financial statements showing two financial years and the auditor's report, if available
• If more than six months have passed since the latest financial statements, 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.
If you are applying for financing for a housing company, please check the required attachments here