Together we can make Arctic Valley even bigger and flourishing!

For over 10 years, Arctic Bank Group has been operating in Arctic Valley and enhancing the area and its citizen prosperity. Our business consists of two business segments: Retail Banking and Corporate Banking. Our aim is to provide our customers with the best banking and investment services in Arctic Valley. We are a local operator with services available in different digital channels.

The Retail Banking segment consists of banking for private and SME customers at Arctic Bank banks. Our aim is to increase the financial prosperity of our customers. The Corporate Banking segment consist of banking and investment management services for corporate and institutional customers. We aim to support our customers’ business success, evolution and internationalization.



Interested in getting a corporate loan ?




We offer financing for companies operating in Arctic Valley.

Corporate loan can finance your company’s investments, purchases of tools and business expansion. We will find you the most suitable loan terms and repayments according to your company’s solvency. We aim at making sure that the purchases requiring financing will not overly burden your business and you have the change to allocate costs over several years.




We will always offer you the best loan offer availabe.




We look at your business as a whole.



When you are starting a business, in most cases you will need to borrow money from a bank. In order to get a loan, the bank will be looking at your company’s financial performance, liquidity and future outlook.  They will also check your personal credit history. When loaning money from the bank you will most likely need to provide the bank with collateral. Collateral will be used in the case where your company runs into payment difficulties.

There are different types of collateral that you can provide to the bank from real securities to guarantees.


Example of collateral:

  • Property that has monetary value
  • Vehicles and working machines
  • Apartment(s)
  • Holiday home(s)
  • Wood lot (forest)
  • Investment assets (equities and funds)
  • Guarantees from natural person or Finnvera

Corporate loan costs consist of the interest rate for the principal as well as loan management and drawdown fees. Our interest rate for the corporate loan consists of an agreed reference interest rate for example Euribor 12 months and the bank’s markup. Markup depends on your company’s future prospects, loan term, collateral and repayment capacity. You may apply for fixed interest rate to your corporate loan.


Euribor rates have a maturity ranging from 1 month to three, six, or 12 months. If you choose Euribor 12 months it means that the interest rate of a loan remains unchanged for 12 months, after which it is revied on the interest adjustment date.


Fixed rates for corporate loans are also a possibility. In this case, changes in market interest rates do not influence loan management expenses during the agreed interest period.  Noticed, that a fixed interest rate for a corporate loan is higher than a floating rate (for example Euribor), but it carries a lower risk of future fluctuations in interest rate. However, this depends on the current market situation.


You can check the current Euribor rates here:



The bank’s share of the risk is taken into account with the markup. Markup of corporate loan refers to the lender’s share of the loan’s interest. It is used to cover, for example, the bank’s operating costs and risk associated with granting a loan.  The markup for corporate loans is agreed individually for each customer depending on a number of reasons:

  • Age of the company
  • The solvency of the company
  • Registered payment defaults
  • Current customer relationships
  • Estimation of company’s future prospects.

The purpose of the loan and offered collateral also have a affect on determining the interest rate for the loan.

For a completely new company, we will want to review your business plan and budgeting plans for the next three years. When we are considering a suitable loan offer for you, we are interested in your company’s:

  • Business plan
  • Cash flow statement
  • Profit budget
  • Forecast

You can contact us by sending email to arcticvalley00(at)


Come and visit us at

Arctic Bank Oy

Holvikuja 4

96100 Arctic Valley

Business ID: 4525848-6
OVT-ID: 003745258486 / Netvisor eBank
IBAN: FI1199202101317299


Become Our Customer

To become our customer please fill out the agreement and email it to arcticvalley00(at)