A financial solution that works for property investments
Housing companies and property management
Planning financing for renovation projects, energy renovations, and other investments.
Businesses
Investment and financing solutions for commercial properties and industrial halls.
Investors and construction companies
Implementation models for investor- and user-driven property investments.
Housing companies and property management
Large repair projects of housing companies – such as pipeline renovations, facade and roof renovations, and energy investments – require careful financial planning. Sauma Rahoitus acts as an independent expert for housing companies and property managers, ensuring the project has an optimal financing structure and the best possible loan terms.
We bring clarity to the decision-making of the housing company and lighten the workload of the property manager in arranging financing.
Read more about services for housing companies and property managers
Companies
The growth and competitiveness of a company often require significant investments – whether it is a new premises, machinery acquisition, company purchase, or strengthening working capital. Sauma Rahoitus acts as your company's independent financial partner, building and tendering the best possible financing structure for your project.
We position your investments so that you receive the best financing terms and can keep your company's cash and balance sheet free for growing core operations.
Investors and construction companies
We seek and model user-oriented real estate investments for investors, where the financial entirety of the property, user commitment, cash flow, and investor return objectives can be assessed already in the early stages of the project.
We help construction companies resolve situations where a good project does not get realised due to a lack of financing or the user's own equity. We build a model where the user, investor, and construction company can form a functioning whole.
Read more about services for investors and construction companies
Financial management services
Quality financial management is the backbone of a property company's daily operations and strategic decision-making. Instead of just accounting, we offer comprehensive financial management to property limited companies, rental housing companies, and property investors, combining daily routines, statutory reporting, and a deep understanding of the financial environment.
We take care of your property's finances with professionalism – whether it is a single property company or a complex multi-company balance sheet environment.
Read more about financial management services and light property management
About us
Why choose us?
Our approach is practical and results-oriented. Whether it is the restructuring of financing for large property portfolios, a single development project, or a strategic partnership in managing banking relationships, we bring to the table stock exchange and group-level financial expertise clearly and effectively executed.
Feel free to get in touch and let's discuss how we can optimise the financing and risk management of your property project.
A strong expert in property financing and financial management at your service
We have over 20 years of in-depth experience in property financing arrangements, group-level treasury operations, and demanding financial management. We serve our clients in both privately funded property projects and the financing and housing models of non-profit companies (such as Varke and right-of-occupancy properties).
We understand the dynamics of real estate business and capital structures from balance sheet environments of over a billion euros to rapidly growing property development companies and fund structures.
Frequently Asked Questions
Here are some of the most common questions about our company.
Answer in brief: We will tender the banks and see if green financing can be combined with the project, whether savings can be generated (such as in energy renovations), and how the payment instalments can be aligned with cash flow sustainability.
Answer in brief: Let's review the current loan agreement together, check the margin, and assess whether it is worth tendering or hedging the loan before the review date.
Answer in brief: Not necessarily. Often a negative decision is due to how the project has been presented or how the cash forecasts have been made. We will restructure the financing package and negotiate with alternative financiers if necessary.
Answer in brief: Consulting pays for itself through better loan terms, lower margins, and saved time. Agree with us on a fixed project fee, so you know the costs in advance without hidden charges.
Answer in brief: Very little. We handle the calculations, materials, and negotiations on your behalf – all you have to do is compare and make decisions on the final, pre-negotiated options.