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

Apply now

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

Apply for a wamo account

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

Request your loan

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

Sign your agreement digitally

Review and sign your loan contract, completely paperless.

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.

"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco

Who banks on wamo?

Meet the locals who trust wamo with their business.

"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco

Who banks on wamo?

Meet the locals who trust wamo with their business.

"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco

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.

Apply now

We stand for business

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

Apply now

Borrow fast, grow faster

Flexible amounts and terms

Manage it all in one app

Simple loan process

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

How it works

Apply for a wamo account

Request your loan

Sign your agreement digitally

Get funded fast

Why wamo?

Dedicated to businesses of all sizes

Secure and compliant

Real people, genuine support

Who banks on wamo?

Meet the locals who trust wamo with their business.

"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."

Luca Succi

“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”

Rita Boldini

“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”

Giuseppe Narcisi

Who banks on wamo?

Meet the locals who trust wamo with their business.

"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."

Luca Succi

“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”

Rita Boldini

“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”

Giuseppe Narcisi

Who banks on wamo?

Meet the locals who trust wamo with their business.

"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."

Luca Succi

“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”

Rita Boldini

“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”

Giuseppe Narcisi

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.