Start-up Grant – Support for New Entrepreneurs

Starting a business or becoming self-employed is a big step and in Finland, you don’t have to do it alone. The Finnish Employment Office (TE-office) offers a Start-up Grant (Starttiraha) to support you financially during the early months of entrepreneurship.

This guide explains who can get the grant, how to apply, and how you can combine it with Palkkaguru’s invoicing service.

What Is the Start-up Grant and Who Can Get It?

The Start-up Grant is a financial support from the Finnish government that helps new entrepreneurs secure income when business operations are still ramping up.

You may be eligible if you:

• Are starting your own business or working as a light entrepreneur

• Are not in an employment relationship with your client

• Have a viable business plan and realistic income forecast

• Receive a positive evaluation from the TE-office

The grant ensures you can focus on building your business without immediate income stress.

How to Apply for the Start-up Grant (Step by Step)

1. Create a business plan – for example using the Yritystulkki or Business Finland template

2. Submit your application to the TE-office before officially starting your business

3. Attach required documents such as your calculations and tax card

4. Wait for the decision – typically 2–4 weeks

5. Start your operations and inform the TE-office once approved

6. Report your income monthly as part of the follow-up process

👉 Palkkaguru can help you prepare the required income projections and documents for your application.

How Much Can You Receive?

In 2025, the Start-up Grant is approximately €37.21 per day (same as basic unemployment allowance).
It is usually paid for six months, and can be extended for another six-month period if your business develops steadily.

You can receive the grant even while invoicing through Palkkaguru, as long as you are not in an employment relationship with your client.

Common Mistakes – and How to Avoid Them

• Don’t apply after you’ve already started your business – it must be done before

• Keep your business plan realistic, not perfect

• Stay in touch with your TE-office throughout the process

• Use Palkkaguru to manage invoices, payments, and income reports – it makes everything easier for Start-up Grant follow-up

Start-up Grant + Light Entrepreneurship = A Safe Start

Combining the Start-up Grant with light entrepreneurship is an excellent way to test your idea safely before forming a company.
You can invoice clients through Palkkaguru without a Business ID, while still maintaining your eligibility for the grant.

👉 Learn more about invoicing for Light Entrepreneurs and Start-ups here.

Frequently Asked Questions

Can I get the Start-up Grant if I work part-time?
Yes — as long as your business is profitable and you intend to grow it into full-time activity.

Is the Start-up Grant taxable income?
Yes, it’s taxable, but Palkkaguru makes it easy to report your income and taxes automatically.

Can both spouses apply?
Yes — if each person runs a separate business or client base.

Book a Free Consultation

Still unsure how it all works?
Book a free consultation and we’ll go through your situation together.

Start Safely with Palkkaguru

Want to start your business the safe way — and qualify for the Start-up Grant?
Register with Palkkaguru and we’ll help you with the setup.