Coming soon

Credit with benefits. Enjoy the financial freedom.

A business credit card with flexible repayment options for more financial freedom – plus primo card features to help you manage expenses. Holvi credit is coming. You in?

More financial freedom? Yes please.

Business trips, subscriptions, money-making projects – some small business expenses just can’t wait. That’s why we’re releasing a new credit card just for the self-employed.

  • Cover daily expenses and finance projects – with line of credit options based on your business needs
  • Late invoice payments holding up business? Use Holvi credit to cover short-term gaps in cash flow
  • Choose how you pay off your credit balance – all at once or in flexible instalments over time
  • Market-competitive interest rate tailored to your business*

*Line of credit and APR (annual percentage rate) are determined by individual assessment. Holvi is committed to responsible business lending.

Flexible repayments, smarter credit choices

Buy now, pay later – or even later, if you want! With Holvi credit, you choose how to pay off your credit balance. All at once or in flexible instalments. Not only this, but…

  • Our smart balance forecast shows your future finances
  • So you can make informed credit card purchases
  • And cover short-term gaps in cash flow
  • Keeping finances under control
  • Minus the hassle

All your business in one app – plus credit

Banking, invoicing, bookkeeping – and now a premium credit card with built-in expense management tools. All in one app. Now that’s a packed wallet.

  • Premium business credit card
  • Business account with Finnish IBAN
  • Unlimited invoicing & e-invoicing
  • Receipt scanning & storing
  • Smart expense categories
  • Bookkeeping tools

Account + credit card

No prepaid, no debit. Holvi’s first real credit card with variable line of credit.

Manage your finances

Decide if you want to repay your credit card in instalments, all at once or any amount in between.

All in the Holvi app

Manage credit expenses, scan receipts, invoice and prep for tax time – all your business in one app.

Premium credit card features –
Made for small businesses

  • Highest acceptance – car rental and hotel bookings? No problem.
  • Individual credit limit – receive a personalised line of credit
  • Flexible repayments – one-time payment or in variable instalments
  • Annual percentage rate tailored to your business needs
  • Physical credit card and separate virtual credit card
  • Seamless integration with your Holvi business account
  • Scan and store credit card receipts – stay tax ready
  • Holvi’s balance forecast for real-time financial planning

Top-security business banking

Secure login and online card payments with 2FA and Mastercard® Identity Check™.

As a licensed payment institution, we follow the same strict security rules as a bank.

Lock and unlock cards in-app, get notified the moment a payment goes through.

Join the waitlist!

Sign up now for exclusive benefits – take your business the next level with Holvi credit.

  • Skip the line with advance application for Holvi’s premium business credit card – coming soon!
  • Be eligible for exclusive waitlist offers, get notified of promotions before the rest
  • Stay up to date on Holvi credit news, and learn how Holvi credit can help take your business to the next level!
  • Sneak a peek behind the scenes with exclusive insights into how we design products that simplify work life
  • No obligations – you can unsubscribe anytime

Still curious?

Find answers to your questions in our Help Centre, or contact Holvi Support.

About us

We’ve lived and learned the entrepreneur life. Now we’re here to simplify yours.

How it works

Holvi is a full suite of tools – from business banking, to invoicing and bookkeeping.