OPR-Finance Oy

What OPR-Finance Oy does

OPR-Finance Oy is a Finnish-owned private finance company founded in 2005 (formerly OPR-Vakuus Oy, rebranded in May 2018) that originates short-term business loans and flexible credit facilities primarily to small and medium-sized enterprises. Its core product portfolio in Finland consists of Yritysluotto kertalaina, a one-time term loan of EUR 3,000-100,000 with 3-18 month repayment, and Yritysluotto Flex (Joustoluotto), a revolving credit line of EUR 2,000-20,000 with usage-based interest and no fixed annual fee. The company operates an identical template in Sweden under the OPR-Företagslån brand (SEK 30,000-1,000,000 over 6-24 months, plus a Flex variant of SEK 20,000-200,000) and the Netherlands under OPR-Bedrijfskrediet and EverydayPlus. Distribution is entirely digital and direct-to-consumer via localized websites, with same-day underwriting decisions and no physical branches.

The company is registered with the Finnish Financial Supervisory Authority (Finanssivalvonta) and operates a wholly-owned Swedish subsidiary (OPR-Finance AB). Its funding stack combines third-party debt — most notably a EUR 40 million hybrid bond issued in November 2017 with a 10.75% coupon — and retail equity raised through the Tuottoa.fi investor platform, which offers Series B, C, and E non-voting shares with yields of 2-8% paid monthly. As of February 2020, Svea Group (Svea Ekonomi AB) holds 50% of voting shares via a financing arrangement with co-founder Jari Ruuska, creating both capital backing and a strategic partnership. The company reports to have served over 500,000 businesses with more than one million loan solutions over its fifteen-year history. Leadership is headed by Group CEO Esa Alanko (appointed March 2021), with Antti Liira as COO and Jukka Kyyrö as CFO.

Revenue is generated primarily through interest income on originated loans and usage-based fees on revolving credit facilities; no startup or account management fees are charged. The company has 51-100 employees across offices in Helsinki and Stockholm. Investor-facing operations on Tuottoa.fi are currently in a defensive posture: redemptions and dividend payments on preferred shares have been suspended since the COVID-19 period, and a 2021 written procedure postponed the First Reset Date of the 2017 hybrid bond by 24 months with 96.87% bondholder consent, indicating balance-sheet management under capital pressure.

Name

OPR-Finance Oy

Legal name

OPR-Finance Oy

Website

https://opr-finance.fi

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

OPR-Finance Oy is a Finnish-owned private finance company founded in 2005 that originates short-term term loans (EUR 3,000-100,000) and revolving credit (EUR 2,000-20,000) to small and medium-sized enterprises across Finland, Sweden, and the Netherlands via localized digital brands.

Ownership category

akta.pro rank

Product category

SME Commercial Lending

NAICS

Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

Keywords

• SME business lending
• Flexible credit facilities
• Online business loans
• Commercial financing services
• Digital lending platform

Headquarters

HQ city

Helsinki

HQ country

Finland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Business Loans - Interest Income: Interest income from term business loans ranging from €3,000-100,000 with repayment periods of 3-18 months in Finland, and SEK30,000-1,000,000 with 6-24 month terms in Sweden. No startup or account management fees charged.
2. Flexible Credit (Joustoluotto) - Interest and Usage Fees: Revolving credit facility with credit limits of €2,000-20,000 in Finland. Customers make withdrawals as needed and pay interest on utilized amounts. No fixed annual or monthly fee.
3. Investor Share Capital: Capital raised through issuance of non-voting Series B, C, and E shares via Tuottoa.fi platform. Minimum investment €1,000. Yields of 2-8% annually based on investment tenure. Redemption and dividend payments currently suspended for preferred shares.
4. Hybrid Bond: €40 million hybrid bond issued November 17, 2017 with 10.75% annual coupon, subject to coupon reset every 3.25 years. No specified maturity date; company has right to redeem after 3.25 years.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels2 records

Core offering

OPR-Finance Oy is a Finnish-owned finance company that provides business credit services to small and medium-sized enterprises across Finland, Sweden, and the Netherlands. It offers term business loans (e.g., up to EUR 100,000 in Finland) and flexible revolving credit facilities (e.g., EUR 2,000–20,000) applied for and disbursed through fully digital online platforms, with same-day decisions and no startup or account management fees.

Product overview

OPR-Finance Oy is a Finnish-owned responsible finance company founded in 2005, offering versatile business credit services across Finland, Sweden, and the Netherlands. The company's core product portfolio in Finland includes Yritysluotto kertalaina (one-time business loans up to EUR 100,000) and Yritysluotto Flex (flexible credit facilities of EUR 2,000-20,000). In Sweden, the company offers OPR-Företagslån and OPR-Företagslån Flex products. In the Netherlands, products include EverydayPlus and OPR-Bedrijfskrediet Flex. The company also operates Tuottoa.fi, an investor service platform for managing equity investments. The company serves over 500,000 customers and has created over one million loan solutions. The company is registered in the Financial Supervisory Authority's lender registry and is supervised by the Finnish Financial Supervisory Authority.

Differentiator

Problem solved

Functional benefit

Brands

• Yritysluotto Flex: Flexible credit solution with credit limit of 2,000-20,000 euros allowing businesses to make withdrawals as needed
• Tuottoa.fi
• Yritysluotto

Products and services

• Yritysluotto.fi / Yritysluotto kertalaina One-time business loan product offered in Finland with amounts up to EUR 100,000 and repayment periods of 3–18 months, targeted at SMEs for cash flow management, working capital, purchases, and business development.
• Yritysluotto Flex / Joustoluotto Flexible revolving business credit facility available in Finland with a credit limit of EUR 2,000–20,000. Businesses withdraw funds as needed within the credit limit and pay interest on drawn amounts; no fixed annual or monthly fee.
• OPR-Företagslån Term business loan product offered in Sweden with credit amounts of SEK 30,000–1,000,000 and repayment periods of 6–24 months, with no startup or account management fees.
• OPR-Företagslån Flex Flexible revolving business credit product offered in Sweden with credit limits of SEK 20,000–200,000, allowing businesses to withdraw funds as needed within the credit limit.
• OPR-Bedrijfskrediet Flex Flexible business credit product available in the Netherlands market, allowing businesses to access revolving credit within a set limit.
• Tuottoa.fi Investor Platform Online investor service platform where investors can manage their holdings in OPR-Finance non-voting Series B, C, and E shares, with a minimum investment of EUR 1,000 and yields of 2–8% annually based on investment tenure (dividends and redemptions currently suspended).

Quantifiable outcome

• 500,000+ customers served with over 1 million loan solutions in 15 years
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Svea Group (Svea Ekonomi AB)coreStrategic or Co-development Partner · 28 February 2020OPR-Finance significantly strengthened cooperation with Svea Group in 2020. Co-founding owner Jari Ruuska financed 50% of voting shares through Svea's funding, making it a significant ownership and strategic partnership. The partnership allows OPR-Finance to leverage Svea's financial backing while maintaining independent operations.

Scale indicators5 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Qred: Swedish-headquartered digital lender focused on small business loans and lines of credit, operating across the Nordics. Qred competes head-to-head with OPR-Finance's Yritysluotto and OPR-Företagslån products in the same SME segment.
• Funding Circle: UK-listed SME lending platform offering term loans and revolving credit to small businesses. Compares to OPR-Finance on digital-first underwriting, multi-market expansion, and core SME target segment.
• Iwoca: Europe-based fintech lender providing flexible credit lines and term loans to SMEs. Directly comparable to OPR-Finance's Yritysluotto Flex product in business model, customer type, and self-serve digital distribution.
• CapitalBox: European online lender offering short-term business loans and revolving credit to SMEs. Comparable to OPR-Finance on ticket size (€3K–€250K), term structure, and digital self-serve application flow.
• Bigbank: European non-bank lender providing consumer and SME loan products across multiple EU markets, including Finland. Comparable to OPR-Finance on cross-border European lending, mix of term and revolving credit, and digital channels.
• Ferratum: Nordic-headquartered digital lender offering consumer and small business credit across Europe. Comparable to OPR-Finance on multi-country Nordic/Benelux presence and digital-first credit products.

Broad incumbents

• Svea Group: Nordic financial services group providing SME financing, factoring, and payment solutions; OPR-Finance's 50% strategic shareholder. Comparable as a broader incumbent offering overlapping SME credit capabilities and the partner providing institutional capital.
• OP Financial Group: Largest Finnish financial services group and dominant domestic bank. Competes with OPR-Finance for Finnish SME business credit customers, with OPR-Finance positioned as the faster, digital-first alternative.
• Nordea: Major Nordic universal bank offering SME and corporate lending across Finland, Sweden, and the Netherlands — exactly OPR-Finance's three operating markets. Represents the traditional-banking competitive backdrop.

Regional players

• Komplett Bank: Norwegian digital challenger bank offering consumer and SME loans across the Nordics. Comparable to OPR-Finance on digital-only distribution and SME/consumer loan mix, but primarily serves the Norwegian market rather than Finland/Sweden/Netherlands.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OPR-Finance Oy