We make business funding make sense

Apply online in a few clicks. If approved, funds are deposited in your wamo account within 24 hours. Currently available to Finnish businesses.

Fast approval

Transparent pricing

Automatic repayments

Borrow fast, grow faster

Apply for a business loan directly from your wamo account and get funds deposited within 24 hours of approval.

Flexible amounts and terms

Borrow from €500 up to €100,000. Your repayment frequency can be tailored to your needs.

Manage it all in one app

Your business loan and account work seamlessly together for easy financing and cash flow management.

Simple loan process

Apply for your loan fully online, no bank manager meetings.

Approved customers are notified within 15 minutes and can access funds within 24 hours

Know where you stand with no hidden fees and automatic repayments from your wamo account

Manage your finances and funding smoothly in the wamo app

How it works

1

Apply for a wamo account

Start your quick application for a wamo account in just a few clicks.

2

Request your loan

Once your wamo account is open, you can apply for your loan directly via the app.

3

Sign your agreement digitally

Review and sign your loan contract, completely paperless.

4

Get funded fast

If approved, the loan amount is deposited into your wamo account within 24 hours.

Why wamo?

Dedicated to businesses of all sizes

For businesses feeling underserved by the banks, we’ve got you.

Secure and compliant

Authorised by the Finnish Financial Supervisory Authority and compliant with EU data privacy rules.

Real people, genuine support

Every wamo conversation  connects you with a friendly business expert.

Who banks on wamo?

Meet the locals who trust wamo with their business. 

Who banks on wamo?

Meet the locals who trust wamo with their business. 

Who banks on wamo?

Meet the locals who trust wamo with their business. 

Frequently asked questions

Find your answer here or contact us. We want no questions in the air.

What is a wamo business account?

Is a wamo account secure and compliant?

Who can open a wamo account?

How do I open a wamo account?

What documents do I need to apply?

How much does a wamo business account cost?

Frequently asked questions

Find your answer here or contact us. We want no questions in the air.

What is a wamo business account?

Is a wamo account secure and compliant?

Who can open a wamo account?

How do I open a wamo account?

What documents do I need to apply?

How much does a wamo business account cost?

Frequently asked questions

Find your answer here or contact us. We want no questions in the air.

What is a wamo business account?

Is a wamo account secure and compliant?

Who can open a wamo account?

How do I open a wamo account?

What documents do I need to apply?

How much does a wamo business account cost?

We stand for business

Apply in 10 minutes or less. Get the tools and support to run things your way – from day one.

We stand for business

Apply in 10 minutes or less. Get the tools and support to run things your way – from day one.