What Corona Capital does

Corona Capital Oy is a Finnish domestic financing company founded in 2013 and headquartered in Espoo, Finland. The company provides working capital solutions to Finnish businesses, with its core offering being invoice financing (laskurahoitus) that converts unpaid B2B invoices into immediate cash, funding 70-100% of invoice value and settling in as little as 20 minutes. Its product portfolio also includes Yrityslaina (term business loans of €3,000-€50,000 with fixed monthly installments), Factoring (continuous factoring agreements for predictable cash flow), and Kevytrahoitus®, a registered low-threshold financing product for light entrepreneurs (kevytyrittäjät) co-developed with the Ukko.fi freelancer platform.

The underlying technology is a digital financing platform combining a self-service online invoice submission portal (Myy laskusi nyt) with inside-sales phone and email channels. Invoice receivables serve as collateral without requiring real estate or personal guarantees, and pricing is determined per-transaction by invoice sum, payment terms, and debtor credit rating. Continuous factoring agreements allow customers to pre-agree on receivables volume and pricing, and export invoice financing extends the platform to debtors in Estonia and Sweden.

The business model is transaction-based, with revenue generated through financing fees on individual invoices and interest/fees on term loans — there are no annual, monthly, or commitment fees. Distribution combines digital self-service, inside sales (phone +358 0 290 300 400), event presence (FinnBuild), content marketing, and channel partnerships (notably Ukko.fi for the Kevytrahoitus® segment and credit management partners including Perintäritari, Lowell, Apix, and Söderberg Partners). The primary customer segments are Finnish SMBs and mid-market companies facing long B2B payment terms, light entrepreneurs, and Finnish exporters with Nordic/European receivables.

Name

Corona Capital

Legal name

Corona Capital Oy

Website

https://coronacapital.fi

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Corona Capital Oy is a Finnish domestic financing company founded in 2013 that provides invoice factoring, business loans, and continuous factoring services to Finnish SMBs, light entrepreneurs, and export companies across Finland, Estonia, and Sweden.

Ownership category

akta.pro rank

Product category

Alternative Lending / Business Financing

NAICS

Sales Financing (52222), Sales Financing (522220)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

akta.pro secondary industries

SBA/Government-Backed & Development Finance Loans (FSAKAGAI), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

Keywords

• Invoice financing
• Business loans
• Factoring services
• Cash flow management
• Accounts receivable financing

Headquarters

HQ city

Espoo

HQ country

Finland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Invoice Financing Fees: Fees charged for invoice financing based on invoice sum, payment terms, and debtor credit rating. No annual or monthly fees, no commitment fees, no hidden costs - customers pay only for actual service usage.
2. Business Loans (Yrityslaina): One-time term loans of 3,000-50,000 euros with fixed monthly payments over agreed repayment period. Interest and fees structured into monthly installments.
3. Factoring Services: Continuous factoring agreement for recurring invoice sales with agreed pricing structure for accounts receivable portfolio

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Corona Capital is a Finnish domestic financing company that provides invoice financing (Laskurahoitus), business loans (Yrityslaina), factoring services, and Kevytrahoitus® financing for light entrepreneurs. The company converts unpaid B2B invoices into immediate cash for Finnish companies by funding 70-100% of invoice value with settlements possible within 20 minutes, while also offering term business loans of 3,000-50,000 euros.

Product overview

Corona Capital is a Finnish domestic financing company that offers a portfolio of business funding solutions. The core offerings consist of Laskurahoitus (invoice factoring) as the primary product, supplemented by Yrityslaina (business loans), Kevytrahoitus® (light entrepreneur financing), and Factoring (continuous invoice factoring). These products work together to address different business financing needs: invoice factoring for immediate cash flow from unpaid invoices, term loans for specific investments or working capital, and specialized services for light entrepreneurs and ongoing factoring arrangements.

Differentiator

Problem solved

Functional benefit

Brands

• Kevytrahoitus®: A low-threshold financing service designed for light entrepreneurs (kevytyrittäjät), offering flexible financing when needed. The service is offered in collaboration with Ukko.fi.

Products and services

• Laskurahoitus (Invoice Financing) Invoice factoring service that enables Finnish businesses to convert unpaid B2B invoices into immediate cash flow. The service funds 70-100% of invoice value and can process payments within 20 minutes. Sales receivables serve as collateral without requiring real collateral or personal guarantees. Customers pay only for actual service usage with no annual, monthly, or commitment fees.
• Yrityslaina (Business Loan) Term business loan ranging from 3,000 to 50,000 euros with fixed monthly installments over a predetermined repayment period. Provides quick financing for investments, working capital, or unexpected expenses for Finnish businesses. Interest and fees are structured into monthly installments.
• Kevytrahoitus® (Light Entrepreneur Financing) Low-threshold financing service designed specifically for light entrepreneurs (kevytyrittäjät), developed in partnership with Ukko.fi platform to provide flexible funding when needed. Targets freelancers and self-employed individuals operating through platforms like Ukko.fi who face difficulty accessing traditional financing.
• Factoring (Continuous Factoring) Continuous factoring agreement service where businesses pre-agree on a certain volume of invoice receivables and pricing, ensuring predictable cash flow without making individual sales decisions for each invoice. Streamlines financial management for businesses with recurring B2B receivables.

Quantifiable outcome

• Invoice financing settlement in as little as 20 minutes
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Ukko.ficoreTechnology or IntegrationStrategic partnership for Kevytrahoitus® service - a low-threshold financing solution for light entrepreneurs. Integration allows easy and quick onboarding of Ukko.fi platform users to Corona Capital's financing services.
• PerintaritariminorOthersDebt collection partner for accounts receivable management services
• Söderberg PartnersminorOthersFinancial services partnership
• LowellminorOthersCredit management and debt collection services partner
• ApixminorOthersDebt collection and credit management services partner
• RantalainenminorOthersAccounting services partnership supporting customer financial management
• Suomen YrittäjätminorOthersFinnish Entrepreneurs association membership and collaboration

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Taulia: B2B working capital and early payment platform serving SMBs and their buyers. Comparable in providing receivables-based liquidity to small businesses.
• Capcito: Swedish invoice financing fintech offering rapid factoring and working capital solutions to SMBs. Directly comparable in product, customer segment, and rapid-settlement positioning.
• Funding Circle Nordic: SMB lending marketplace with Nordic operations. Comparable in providing working capital and business loans to small businesses, though its primary model is marketplace-based lending.
• Qred: Nordic digital SMB lender offering small-ticket business loans and invoice financing across the Nordics. Closely comparable product set and target customer base as Corona Capital.
• InvoiceFair: Digital invoice factoring platform for SMBs. Directly comparable in offering online factoring with rapid funding to small businesses.
• CapitalBox: Nordic SMB-focused invoice factoring and business loan provider. Competes directly with Corona Capital on factoring for small businesses across the region.
• Norion Bank: Swedish niche bank focused on factoring and SMB financing across the Nordics. Comparable in product focus (invoice factoring) and SMB customer base.

Broad incumbents

• Bibby Financial Services: International factoring and SMB financing provider with Nordic presence. Comparable in invoice financing products but operates at significantly larger scale globally.
• Svea Bank: Large Nordic financial services group offering factoring, business loans, and payment solutions. Overlaps with Corona Capital in SMB invoice financing but operates at much greater scale and product breadth.
• Collector Bank: Nordic challenger bank providing business lending, factoring, and credit services. Broad incumbent with overlapping SMB financing products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC8gsbvtYw-gfPlg0ebxE2rQ
• Facebookfacebook.com/Rahoittaja
• LinkedInlinkedin.com/company/coronacapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 Corona Capital