TUKIRAHOITUS OY

What TUKIRAHOITUS OY does

Tukirahoitus Oy is a Finnish equipment leasing finance company founded in 1987 and headquartered in Oulu, with an additional office in Helsinki. The company is a wholly-owned subsidiary of Nordea Rahoitus Suomi Oy and operates as part of Nordea Group, Finland's largest banking group. It employs over 40 finance professionals and serves business customers throughout Finland.

The company's core business is equipment leasing: Tukirahoitus purchases equipment from a network of equipment dealer partners (myyjäkumppanit) across multiple verticals — including IT, medical devices, restaurant and kitchen equipment, construction machinery, workshop machines, point-of-sale systems, and fitness equipment — and rents that equipment to business customers under fixed monthly lease agreements. The platform architecture is structured around a core leasing product (Leasingrahoitus), supported by the Nordea Finance Business portal containing NF Duo for dealer-side calculations, applications, and contract formation. Bundled add-ons include Laiteturva, a full-coverage equipment insurance product underwritten with partner IF Vahinkovakuutus, and paperless contract execution via Signom's electronic signature service, which validates signing authority from the Finnish trade register and reportedly covers 99% of lease agreements signed. Secure customer communication is handled through SSL/PIN-code authenticated messaging and the Nordea ID mobile authentication application.

Commercially, Tukirahoitus operates an indirect, channel-led go-to-market: it does not acquire end customers directly but reaches Finnish businesses exclusively through its dealer partner network, which integrates leasing into equipment sales conversations. Revenue streams are predominantly recurring: monthly lease payments on the financed equipment book, recurring insurance premiums collected alongside lease payments and passed through to IF, and transactional service fees for contract modifications, transfers, early terminations (each 200 EUR), and custom reporting (100 EUR/hour). Pricing on leases is quote-based and not publicly disclosed, depending on equipment value, lease period, and residual value. Customers benefit from collateral-free financing (the leased equipment serves as security), fixed payment predictability, and tax-deductible lease payments under Finnish FAS accounting. The company has no public listing and no disclosed external funding.

Name

TUKIRAHOITUS OY

Legal name

Tukirahoitus Oy

Website

https://tukirahoitus.fi

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

Tukirahoitus Oy is a Finnish equipment leasing finance company and wholly-owned subsidiary of Nordea Rahoitus Suomi Oy that finances business equipment purchases for Finnish SMEs and organizations through a nationwide dealer partner network, bundled with insurance and electronic contract execution.

Ownership category

akta.pro rank

Product category

Equipment Leasing Services

NAICS

Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Other Commercial and Industrial Machinery and Equipment Rental and Leasing (53249)

SIC

Finance Lessors (6172)

akta.pro primary industry

Equipment & Tool Leasing (Consumer) (FSAKANAF)

Keywords

• Equipment leasing services
• Business equipment financing
• Vendor leasing programs
• Leased asset insurance
• Electronic signature leasing

Headquarters

HQ city

Oulu

HQ country

Finland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Leasing Financing Revenue: Monthly lease payments from equipment financing arrangements. Tukirahoitus purchases equipment from dealers and rents it to customers for pre-agreed lease periods. The equipment serves as collateral for the financing.
2. Equipment Insurance (Laiteturva): Full-coverage insurance service for leased equipment, provided in partnership with IF Vahinkovakuutus. Insurance premiums collected with monthly lease payments.
3. Service Fees: Administrative fees for contract transfers (200 EUR), early termination (200 EUR), payment plan changes (200 EUR), and custom reports (100 EUR/hour).

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Tukirahoitus Oy finances business equipment through a leasing model: the company purchases equipment from a network of dealer partners and rents it to Finnish business customers on pre-agreed monthly lease payments, with the leased equipment serving as collateral. The offering is bundled with optional full-coverage equipment insurance (Laiteturva) and supported by digital contract signing via the Signom service and the NF Duo dealer platform.

Product overview

Tukirahoitus Oy operates as a leasing financing company that offers equipment financing services to businesses through a platform-plus-modules architecture. The core product is Leasingrahoitus (leasing financing), through which the company purchases equipment from dealer partners and rents it to customers on agreed terms. This core is supported by Nordea Finance Business, a dealer partner portal containing NF Duo leasing financing tools for processing applications, contract formation, and electronic submissions. Complementary modules include Laiteturva (device insurance) provided in partnership with If Vahinkovakuutus, offering full-coverage protection for leased equipment; and Sähköinen allekirjoitus (electronic signing) powered by Signom Oy, enabling paperless contract signing with official identity verification.

Differentiator

Problem solved

Functional benefit

Products and services

• Leasingrahoitus (Leasing Financing) Core equipment leasing service in which Tukirahoitus purchases equipment from dealer partners and rents it to business customers on agreed monthly lease payments, with the equipment serving as collateral. Covers IT, office, medical, restaurant, kitchen, construction, workshop, POS, and fitness equipment.
• Laiteturva (Device Insurance) Full-coverage insurance for leased equipment, provided in partnership with IF Vahinkovakuutus. Covers sudden and unexpected damage including fire, storm, burglary, leakage, and breakage. Insurance premiums are collected with monthly lease payments, and claims are handled by IF.
• Sähköinen allekirjoitus (Electronic Signing) Electronic document signing service for leasing contracts, powered by Signom Oy. Verifies official signing rights from the trade register, validates representative identity via bank credentials, and enables paperless, time- and location-independent signing.
• Nordea Finance Business (Dealer Portal) Online portal for equipment dealer partners providing access to leasing financing tools, news and announcements, training materials, and the NF Duo leasing service module, enabling dealers to process financing applications and manage customer relationships.
• NF Duo Leasing Module Leasing financing module within the Nordea Finance Business portal that enables dealer partners to run financing calculations, submit financing applications, form leasing contracts, and send contracts electronically for customer signature. Supports real-time contract monitoring and sales planning.

Quantifiable outcome

• 99% of lease agreements signed electronically - faster processing and reduced administrative burden
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core, flagship and minor.

• IF Vahinkovakuutus (If Skadeförsäkring)coreStrategic or Co-development PartnerTukirahoitus provides equipment insurance (Laiteturva) in partnership with IF Vahinkovakuutus. This is a comprehensive full-coverage insurance for leased equipment covering fire, storm, burglary, leak, and breakage damages. IF handles claims processing while Tukirahoitus manages the insurance service integration with lease agreements.
• Signom OycoreTechnology or IntegrationSignom Oy provides the electronic signature service for Tukirahoitus lease agreements. The service verifies company signing authority from the trade register, validates representative identity via bank credentials, and enables paperless contract execution. 99% of lease agreements are signed electronically through this platform.
• Nordea Rahoitus Suomi OyflagshipOthersParent company - Nordea Rahoitus Suomi Oy owns Tukirahoitus Oy as a subsidiary. Tukirahoitus is part of Nordea Group (Nordea Bank Oyj). The company leverages Nordea's brand, infrastructure, and systems including Nordea ID authentication and Nordea Finance Business portal.
• Nordea Rahoitus Suomi Oy (Vehicle Financing)minorChannel Partner/ Reseller/ DistributorFor vehicle financing needs, Tukirahoitus refers customers to its parent company Nordea Rahoitus Suomi Oy, which handles automotive leasing. This extends the financing offering to cover all equipment types.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• DLL (De Lage Landen): Global vendor finance company owned by Rabobank, financing equipment across agriculture, food, healthcare, construction, and technology verticals. Comparable in vendor/dealer channel model and equipment financing focus, though operates globally rather than Finland-only.
• Siemens Financial Services: Captive vendor finance arm of Siemens providing equipment financing for industrial and technology equipment. Comparable in bundling financing with equipment sale, though narrower (Siemens products only) and much larger globally.
• BNP Paribas Leasing Solutions: European equipment and vendor finance arm of BNP Paribas, financing professional equipment across multiple industries. Comparable in equipment category breadth and B2B leasing model, though larger and broader in geographic scope.

Direct peers

• Aktia Bank Oyj: Finnish bank offering corporate equipment and machinery leasing to SMEs. Competes head-to-head with Tukirahoitus in Finnish B2B equipment financing, particularly for mid-market business customers.
• Nordea Rahoitus Suomi Oy: Direct parent company and operating sibling within Nordea Group; offers vehicle and equipment leasing in Finland through a similar dealer-channel model. Most directly comparable given shared ownership, brand, infrastructure (Nordea Finance Business portal, Nordea ID), and customer base.
• OP Yrityspankki Oyj: Finland's largest domestic banking group, providing equipment and machinery leasing/financing to Finnish SMEs and corporates. Directly competes with Tukirahoitus in the Finnish B2B equipment financing market via a similar dealer- and direct-led channel model.
• SEB (Finland operations): Nordic bank's Finnish subsidiary offering equipment and asset financing to corporate clients. Comparable in target market (Finnish/Nordic businesses) and product category (equipment leasing/financing).
• Grenke AG: German-listed European specialist in SME equipment leasing across IT, office, and small-ticket industrial equipment. Highly comparable operating model — vendor/dealer-channel leasing with subscription-style recurring rental income for B2B customers across Europe.
• Danske Bank (Finland operations): Nordic bank's Finnish subsidiary providing equipment leasing and asset finance solutions to corporate and SME customers. Directly comparable in product set (B2B equipment leasing) and target customer (Finnish businesses).

Emerging players

• Caterpillar Financial Services: Captive finance arm of Caterpillar financing construction and industrial equipment globally. Comparable as vendor-affiliated equipment financing for B2B customers, though tightly focused on the Caterpillar equipment ecosystem rather than multi-vendor dealer financing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Nordea_FI
• YouTubeyoutube.com/user/NordeaSuomi
• Facebookfacebook.com/NordeaSuomi
• LinkedInlinkedin.com/company/tukirahoitus-oy

Revenue estimate

Valuation estimate

Number of profiles

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 TUKIRAHOITUS OY