{"id":1377,"date":"2026-04-27T16:01:03","date_gmt":"2026-04-27T13:01:03","guid":{"rendered":"https:\/\/creddo.com\/fi\/?page_id=1377"},"modified":"2026-04-27T16:32:37","modified_gmt":"2026-04-27T13:32:37","slug":"yrityksen-luottokelpoisuus","status":"publish","type":"page","link":"https:\/\/creddo.com\/fi\/tyokalut-ja-mallit\/yrityksen-luottokelpoisuus\/","title":{"rendered":"Analysoi yrityksesi luottokelpoisuus \u2013 ymm\u00e4rr\u00e4, miksi rahoitus voidaan hyl\u00e4t\u00e4"},"content":{"rendered":"\n<p>Yrityksen luottokelpoisuuden ymm\u00e4rt\u00e4minen auttaa sinua selvitt\u00e4m\u00e4\u00e4n, miksi rahoitushakemus ei mennyt l\u00e4pi.<\/p>\n\n\n\n<p>Hylk\u00e4ys voi tuntua turhauttavalta, varsinkin jos et saa selke\u00e4\u00e4 syyt\u00e4 p\u00e4\u00e4t\u00f6kselle. Useimmiten kyse ei kuitenkaan ole sattumasta \u2013 pankit ja rahoittajat arvioivat yrityksi\u00e4 tiettyjen selkeiden tekij\u00f6iden perusteella. He tarkastelevat esimerkiksi yrityksen taloudellista tilannetta, maksukyky\u00e4 ja riski\u00e4.<\/p>\n\n\n\n<p>Kun ymm\u00e4rr\u00e4t n\u00e4m\u00e4 asiat, voit paitsi selvitt\u00e4\u00e4 hylk\u00e4yksen syyn my\u00f6s parantaa mahdollisuuksiasi seuraavalla kerralla.<\/p>\n\n\n<style id=\"creddo-fi-styles\">\n.creddo-wrap{max-width:900px;margin:32px auto;padding:0 16px;font-family:'Lato', sans-serif;color:#222;line-height:1.5;box-sizing:border-box;}\n.creddo-wrap *,.creddo-wrap *::before,.creddo-wrap *::after{box-sizing:border-box;}\n.creddo-card{background:#fff;border-radius:12px;box-shadow:0 8px 30px rgba(0,0,0,.08);overflow:hidden;}\n.creddo-header{background:#FFCE00;color:#004A6E;padding:28px 32px;}\n.creddo-header h2{margin:0 0 6px;font-weight:900;font-size:26px;line-height:1.2;}\n.creddo-header p{margin:0;font-weight:400;font-size:15px;color:#004A6E;opacity:.9;}\n.creddo-body{padding:28px 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10px;}\n.creddo-ratio-card.is-green{border-left-color:#27ae60;}\n.creddo-ratio-card.is-orange{border-left-color:#e67e22;}\n.creddo-ratio-card.is-red{border-left-color:#c0392b;}\n.creddo-ratio-head{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;}\n.creddo-ratio-name{display:flex;align-items:center;gap:8px;font-weight:700;color:#004A6E;font-size:15px;}\n.creddo-ratio-meta{display:flex;align-items:center;gap:10px;}\n.creddo-ratio-value{font-weight:900;font-size:16px;color:#222;}\n.creddo-ratio-badge{display:inline-block;padding:4px 10px;border-radius:999px;font-weight:700;font-size:12px;color:#fff;text-transform:uppercase;letter-spacing:.03em;}\n.creddo-ratio-badge.is-green{background:#27ae60;}\n.creddo-ratio-badge.is-orange{background:#e67e22;}\n.creddo-ratio-badge.is-red{background:#c0392b;}\n.creddo-recos{background:rgb(250, 250, 250);border-radius:10px;padding:18px 20px;margin:18px 0 0;}\n.creddo-recos ul{margin:8px 0 0;padding-left:20px;}\n.creddo-recos li{margin:0 0 8px;font-size:14px;color:#333;}\n.creddo-recos li strong{color:#004A6E;}\n.creddo-disclaimer{margin:24px 0 0;padding:14px 16px;background:rgb(250, 250, 250);border-radius:8px;font-size:12px;color:#666;line-height:1.5;}\n.creddo-reset-wrap{margin:18px 0 0;text-align:right;}\n@media (max-width:767px){\n  .creddo-header{padding:22px 18px;}\n  .creddo-header h2{font-size:22px;}\n  .creddo-body{padding:20px 18px;}\n  .creddo-step-divider{width:30px;}\n  .creddo-actions{flex-direction:column;align-items:stretch;}\n  .creddo-actions .creddo-btn-primary,.creddo-actions .creddo-btn-secondary{width:100%;min-height:48px;}\n  .creddo-ratio-head{flex-direction:column;align-items:flex-start;gap:6px;}\n  \/* Larger touch target on phones \u2014 Android Material (48dp) & iOS HIG (44pt) *\/\n  .creddo-info-btn{width:36px;height:36px;font-size:16px;}\n  .creddo-input{font-size:16px;} \/* prevents iOS Safari auto-zoom on focus *\/\n}\n\/* Respect users who prefer reduced motion (Android & iOS accessibility setting) *\/\n@media (prefers-reduced-motion: reduce){\n  .creddo-info-btn,.creddo-btn-primary,.creddo-btn-secondary{transition:none;}\n}\n<\/style>\n        <div class=\"creddo-wrap\" id=\"creddo-app\">\n  <div class=\"creddo-card\">\n    <div class=\"creddo-header\">\n      <h2>Taloudellinen Terveystarkastus<\/h2>\n      <p>Sy\u00f6t\u00e4 talouslukusi saadaksesi arvion yrityksesi luottokelpoisuudesta<\/p>\n    <\/div>\n    <div class=\"creddo-body\">\n\n      <div class=\"creddo-steps\" role=\"list\">\n        <div class=\"creddo-step is-active\" data-step=\"1\" aria-label=\"Vaihe 1: Perustiedot\" aria-current=\"step\" role=\"listitem\">\n          <span class=\"creddo-step-num\">1<\/span><span>Vaihe 1<\/span>\n        <\/div>\n        <span class=\"creddo-step-divider\" aria-hidden=\"true\"><\/span>\n        <div class=\"creddo-step\" data-step=\"2\" aria-label=\"Vaihe 2: Velka ja oma p\u00e4\u00e4oma\" role=\"listitem\">\n          <span class=\"creddo-step-num\">2<\/span><span>Vaihe 2<\/span>\n        <\/div>\n      <\/div>\n\n      <!-- ========== STEP 1 ========== -->\n      <div class=\"creddo-panel is-active\" id=\"creddo-panel-1\">\n\n        <div class=\"creddo-field\">\n          <label class=\"creddo-label\" for=\"creddo-liikevaihto\">\n            Vuotuinen liikevaihto\n            <button type=\"button\" class=\"creddo-info-btn\" data-info=\"liikevaihto\" aria-label=\"Lis\u00e4tietoja\">?<\/button>\n          <\/label>\n          <div class=\"creddo-input-wrap\">\n            <span class=\"creddo-input-prefix\" aria-hidden=\"true\">\u20ac<\/span>\n            <input type=\"text\" inputmode=\"numeric\" class=\"creddo-input\" id=\"creddo-liikevaihto\" placeholder=\"Sy\u00f6t\u00e4 summa euroina\" aria-required=\"true\" \/>\n          <\/div>\n          <div class=\"creddo-error-msg\" id=\"creddo-liikevaihto-err\">Sy\u00f6t\u00e4 liikevaihto<\/div>\n          <div class=\"creddo-info-panel\" id=\"creddo-info-liikevaihto\"><\/div>\n        <\/div>\n\n        <div class=\"creddo-field\">\n          <label class=\"creddo-label\" for=\"creddo-kayttokate\">\n            K\u00e4ytt\u00f6kate (EBITDA)\n            <button type=\"button\" class=\"creddo-info-btn\" data-info=\"kayttokate\" aria-label=\"Lis\u00e4tietoja\">?<\/button>\n          <\/label>\n          <div class=\"creddo-input-wrap\">\n            <span class=\"creddo-input-prefix\" aria-hidden=\"true\">\u20ac<\/span>\n            <input type=\"text\" inputmode=\"numeric\" class=\"creddo-input\" id=\"creddo-kayttokate\" placeholder=\"Voi olla negatiivinen\" aria-required=\"true\" \/>\n          <\/div>\n          <div class=\"creddo-error-msg\" id=\"creddo-kayttokate-err\">Sy\u00f6t\u00e4 k\u00e4ytt\u00f6kate<\/div>\n          <div class=\"creddo-info-panel\" id=\"creddo-info-kayttokate\"><\/div>\n        <\/div>\n\n        <div class=\"creddo-field\">\n          <label class=\"creddo-label\" for=\"creddo-kassa\">\n            Kassavarat \/ likvidit varat\n            <button type=\"button\" class=\"creddo-info-btn\" data-info=\"kassa\" aria-label=\"Lis\u00e4tietoja\">?<\/button>\n          <\/label>\n          <div class=\"creddo-input-wrap\">\n            <span class=\"creddo-input-prefix\" aria-hidden=\"true\">\u20ac<\/span>\n            <input type=\"text\" inputmode=\"numeric\" class=\"creddo-input\" id=\"creddo-kassa\" placeholder=\"Sy\u00f6t\u00e4 summa euroina\" aria-required=\"true\" \/>\n          <\/div>\n          <div class=\"creddo-error-msg\" id=\"creddo-kassa-err\">Sy\u00f6t\u00e4 kassavarat<\/div>\n          <div class=\"creddo-info-panel\" id=\"creddo-info-kassa\"><\/div>\n        <\/div>\n\n        <div class=\"creddo-field\">\n          <label class=\"creddo-label\" for=\"creddo-lyhytvelka\">\n            Lyhytaikainen velka (alle 12 kk)\n            <button type=\"button\" class=\"creddo-info-btn\" data-info=\"lyhytvelka\" aria-label=\"Lis\u00e4tietoja\">?<\/button>\n          <\/label>\n          <div class=\"creddo-input-wrap\">\n            <span class=\"creddo-input-prefix\" aria-hidden=\"true\">\u20ac<\/span>\n            <input type=\"text\" inputmode=\"numeric\" class=\"creddo-input\" id=\"creddo-lyhytvelka\" placeholder=\"Sy\u00f6t\u00e4 summa euroina\" aria-required=\"true\" \/>\n          <\/div>\n          <div class=\"creddo-error-msg\" id=\"creddo-lyhytvelka-err\">Sy\u00f6t\u00e4 lyhytaikainen velka<\/div>\n          <div class=\"creddo-info-panel\" id=\"creddo-info-lyhytvelka\"><\/div>\n        <\/div>\n\n        <div class=\"creddo-actions\">\n          <span><\/span>\n          <button type=\"button\" class=\"creddo-btn-primary\" id=\"creddo-next\">Seuraava \u2192<\/button>\n        <\/div>\n      <\/div>\n\n      <!-- ========== STEP 2 ========== -->\n      <div class=\"creddo-panel\" id=\"creddo-panel-2\">\n\n        <div class=\"creddo-field\">\n          <label class=\"creddo-label\" for=\"creddo-korollinen-velka\">\n            Korollinen velka yhteens\u00e4\n            <button type=\"button\" class=\"creddo-info-btn\" data-info=\"korollinenvelka\" aria-label=\"Lis\u00e4tietoja\">?<\/button>\n          <\/label>\n          <div class=\"creddo-input-wrap\">\n            <span class=\"creddo-input-prefix\" aria-hidden=\"true\">\u20ac<\/span>\n            <input type=\"text\" inputmode=\"numeric\" class=\"creddo-input\" id=\"creddo-korollinen-velka\" placeholder=\"Sy\u00f6t\u00e4 summa euroina\" aria-required=\"true\" \/>\n          <\/div>\n          <div class=\"creddo-error-msg\" id=\"creddo-korollinen-velka-err\">Sy\u00f6t\u00e4 korollinen velka<\/div>\n          <div class=\"creddo-info-panel\" id=\"creddo-info-korollinenvelka\"><\/div>\n        <\/div>\n\n        <div class=\"creddo-field\">\n          <label class=\"creddo-label\" for=\"creddo-oma-paaoma\">\n            Oma p\u00e4\u00e4oma\n            <button type=\"button\" class=\"creddo-info-btn\" data-info=\"omapaaoma\" aria-label=\"Lis\u00e4tietoja\">?<\/button>\n          <\/label>\n          <div class=\"creddo-input-wrap\">\n            <span class=\"creddo-input-prefix\" aria-hidden=\"true\">\u20ac<\/span>\n            <input type=\"text\" inputmode=\"numeric\" class=\"creddo-input\" id=\"creddo-oma-paaoma\" placeholder=\"Voi olla negatiivinen\" aria-required=\"true\" \/>\n          <\/div>\n          <div class=\"creddo-error-msg\" id=\"creddo-oma-paaoma-err\">Sy\u00f6t\u00e4 oma p\u00e4\u00e4oma<\/div>\n          <div class=\"creddo-info-panel\" id=\"creddo-info-omapaaoma\"><\/div>\n        <\/div>\n\n        <div class=\"creddo-field\">\n          <label class=\"creddo-label\" for=\"creddo-velanhoidon-kulut\">\n            Vuotuiset velanhoidon kulut\n            <button type=\"button\" class=\"creddo-info-btn\" data-info=\"velanhoidonkulut\" aria-label=\"Lis\u00e4tietoja\">?<\/button>\n          <\/label>\n          <div class=\"creddo-input-wrap\">\n            <span class=\"creddo-input-prefix\" aria-hidden=\"true\">\u20ac<\/span>\n            <input type=\"text\" inputmode=\"numeric\" class=\"creddo-input\" id=\"creddo-velanhoidon-kulut\" placeholder=\"Lyhennykset + korot\" aria-required=\"true\" \/>\n          <\/div>\n          <div class=\"creddo-error-msg\" id=\"creddo-velanhoidon-kulut-err\">Sy\u00f6t\u00e4 velanhoidon kulut<\/div>\n          <div class=\"creddo-info-panel\" id=\"creddo-info-velanhoidonkulut\"><\/div>\n        <\/div>\n\n        <div class=\"creddo-advanced-toggle\">\n          <button type=\"button\" id=\"creddo-adv-toggle\" aria-expanded=\"false\" aria-controls=\"creddo-adv-panel\">N\u00e4yt\u00e4 lis\u00e4asetukset \u25bc<\/button>\n        <\/div>\n\n        <div class=\"creddo-advanced-panel\" id=\"creddo-adv-panel\">\n          <div class=\"creddo-field\">\n            <label class=\"creddo-label\" for=\"creddo-uusi-laina\">\n              Arvioitu uuden lainan vuotuinen rasite\n              <button type=\"button\" class=\"creddo-info-btn\" data-info=\"uusilaina\" aria-label=\"Lis\u00e4tietoja\">?<\/button>\n            <\/label>\n            <div class=\"creddo-input-wrap\">\n              <span class=\"creddo-input-prefix\" aria-hidden=\"true\">\u20ac<\/span>\n              <input type=\"text\" inputmode=\"numeric\" class=\"creddo-input\" id=\"creddo-uusi-laina\" placeholder=\"Valinnainen\" \/>\n            <\/div>\n            <div class=\"creddo-info-panel\" id=\"creddo-info-uusilaina\"><\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"creddo-actions\">\n          <button type=\"button\" class=\"creddo-btn-secondary\" id=\"creddo-prev\">\u2190 Edellinen<\/button>\n          <button type=\"button\" class=\"creddo-btn-primary\" id=\"creddo-calc\">Laske tulos<\/button>\n        <\/div>\n      <\/div>\n\n      <!-- ========== RESULTS ========== -->\n      <div class=\"creddo-result\" id=\"creddo-result\" aria-live=\"polite\">\n        <h3>Talousanalyysin tulokset<\/h3>\n        <div class=\"creddo-score-box\" id=\"creddo-score-box\">\n          <p class=\"creddo-score-label\">Kokonaisarvio:<\/p>\n          <p class=\"creddo-score-text\" id=\"creddo-score-text\">\u2014<\/p>\n        <\/div>\n\n        <h4 class=\"creddo-section-h\">Tunnusluvut<\/h4>\n        <div id=\"creddo-ratios\"><\/div>\n\n        <h4 class=\"creddo-section-h\">Suositukset<\/h4>\n        <div class=\"creddo-recos\" id=\"creddo-recos\"><\/div>\n\n        <div class=\"creddo-reset-wrap\">\n          <button type=\"button\" class=\"creddo-btn-secondary\" id=\"creddo-reset\">Aloita alusta<\/button>\n        <\/div>\n      <\/div>\n\n      <p class=\"creddo-disclaimer\">\n        T\u00e4m\u00e4 laskelma on suuntaa-antava eik\u00e4 muodosta luottop\u00e4\u00e4t\u00f6st\u00e4. Kaikki laskelmat tehd\u00e4\u00e4n selaimessa eik\u00e4 tietoja tallenneta.\n      <\/p>\n\n    <\/div>\n  <\/div>\n<\/div>\n        <script>\n(function(){\n  'use strict';\n\n  \/* ---------- INFO dictionary (Finnish) ---------- *\/\n  var INFO = {\n    liikevaihto:      { title:'Vuotuinen liikevaihto',                body:'Yrityksen kokonaistulot viimeiselt\u00e4 tilikaudelta ennen kuluja. L\u00f6yd\u00e4t t\u00e4m\u00e4n tuloslaskelmastasi.' },\n    kayttokate:       { title:'K\u00e4ytt\u00f6kate (EBITDA)',                  body:'Tulos ennen korkoja, veroja, poistoja ja arvonalennuksia. Kuvaa liiketoiminnan kannattavuutta ilman rahoitus- ja poistoeri\u00e4. Voi olla negatiivinen.' },\n    kassa:            { title:'Kassavarat',                           body:'Yrityksen pankkitileill\u00e4 ja k\u00e4teisvaroissa olevat varat. K\u00e4yt\u00e4 tilinp\u00e4\u00e4t\u00f6shetken saldoa.' },\n    lyhytvelka:       { title:'Lyhytaikainen velka',                  body:'Kaikki velat, jotka er\u00e4\u00e4ntyv\u00e4t alle 12 kuukauden sis\u00e4ll\u00e4: ostovelat, lyhytaikaiset lainat, muut lyhytaikaiset velat.' },\n    korollinenvelka:  { title:'Korollinen velka',                     body:'Kaikki korollinen vieras p\u00e4\u00e4oma: pankkilainat, leasing-vastuut, joukkovelkakirjat ja muut korkoa maksavat velat.' },\n    omapaaoma:        { title:'Oma p\u00e4\u00e4oma',                           body:'Varat miinus velat. L\u00f6yd\u00e4t t\u00e4m\u00e4n taseesta. Voi olla negatiivinen, jos velat ylitt\u00e4v\u00e4t varat.' },\n    velanhoidonkulut: { title:'Velanhoidon kulut',                    body:'Kaikki tilikaudella maksetut lainanlyhennykset ja korkomenot yhteens\u00e4.' },\n    uusilaina:        { title:'Uuden lainan rasite',                  body:'Valinnainen: jos suunnittelet uutta lainaa, sy\u00f6t\u00e4 sen arvioidut vuotuiset lyhennykset ja korot. T\u00e4m\u00e4 laskee Pro Forma -tunnusluvun.' },\n    dscr:             { title:'Velanhoidon kattavuussuhde (DSCR)',    body:'Mittaa, kuinka hyvin k\u00e4ytt\u00f6kate kattaa velanhoidon kulut. DSCR \u2265 1,25 tarkoittaa hyv\u00e4\u00e4 maksukyky\u00e4. Alle 1,0 tarkoittaa, ett\u00e4 velat ylitt\u00e4v\u00e4t tulorahoituksen.' },\n    proformadscr:     { title:'Pro Forma DSCR',                       body:'Sama kuin DSCR, mutta huomioi my\u00f6s suunnitellun uuden lainan rasitteen. Kuvaa tilannetta uuden rahoituksen j\u00e4lkeen.' },\n    velkaantumisaste: { title:'Velkaantumisaste',                     body:'Korollinen velka jaettuna omalla p\u00e4\u00e4omalla. Alle 2,0 on suotuisa. Yli 4,0 viittaa korkeaan velkaantumiseen.' },\n    maksuvalmius:     { title:'Maksuvalmiussuhde',                    body:'Kassavarat jaettuna lyhytaikaisilla veloilla. Yli 1,2 tarkoittaa riitt\u00e4v\u00e4\u00e4 puskuria lyhytaikaisten velkojen hoitamiseen.' },\n    vsl:              { title:'Velka suhteessa liikevaihtoon',        body:'Korollinen velka jaettuna vuotuisella liikevaihdolla. Alle 0,5 on suotuisa \u2014 velka on alle puolet liikevaihdosta.' }\n  };\n\n  \/* ---------- Utilities ---------- *\/\n  function $(id){ return document.getElementById(id); }\n\n  \/\/ parseNum: parse a fi-FI formatted string into a Number.\n  \/\/ Accepts spaces (incl. NBSP) as thousands sep and comma as decimal sep.\n  function parseNum(id){\n    var el = $(id);\n    if(!el) return NaN;\n    var raw = (el.value || '').toString().trim();\n    if(raw === '') return NaN;\n    var isNeg = \/^-\/.test(raw);\n    raw = raw.replace(\/[\\s\\u00A0]\/g, '');         \/\/ strip spaces & NBSP\n    raw = raw.replace(\/[^\\d,\\-]\/g, '');           \/\/ keep digits, comma, minus\n    raw = raw.replace(',', '.');                  \/\/ FI decimal -> JS decimal\n    var val = parseFloat(raw);\n    if(isNaN(val)) return NaN;\n    return isNeg && val > 0 ? -val : val;\n  }\n\n  \/\/ formatIntegerInput: 500000 -> \"500 000\"\n  function formatIntegerInput(value){\n    var n = parseFloat(String(value).replace(\/[\\s\\u00A0]\/g,'').replace(',', '.'));\n    if(!isFinite(n) || isNaN(n)) return '';\n    return Math.round(n).toLocaleString('fi-FI', { maximumFractionDigits: 0 });\n  }\n\n  \/\/ fmtNum: 1234.56 -> \"1 234,56\"; NaN\/Infinity -> em dash\n  function fmtNum(n){\n    if(!isFinite(n) || isNaN(n)) return '\\u2014';\n    return n.toLocaleString('fi-FI', { minimumFractionDigits: 2, maximumFractionDigits: 2 });\n  }\n\n  function showErr(id){\n    var input = $(id);\n    var msg = $(id + '-err');\n    if(input) input.classList.add('creddo-error-input');\n    if(msg)   msg.classList.add('is-visible');\n  }\n  function hideErr(id){\n    var input = $(id);\n    var msg = $(id + '-err');\n    if(input) input.classList.remove('creddo-error-input');\n    if(msg)   msg.classList.remove('is-visible');\n  }\n  function hideAllErr(){\n    var ids = ['creddo-liikevaihto','creddo-kayttokate','creddo-kassa','creddo-lyhytvelka',\n               'creddo-korollinen-velka','creddo-oma-paaoma','creddo-velanhoidon-kulut'];\n    ids.forEach(hideErr);\n  }\n\n  \/* ---------- Info panels ----------\n   * v1.1.0: also flips aria-expanded on the triggering button so screen readers\n   * announce the open\/closed state and the CSS [aria-expanded=\"true\"] rule lights\n   * up the button in dark blue while its panel is visible. *\/\n  function closeInlineInfo(){\n    var panels = document.querySelectorAll('.creddo-info-panel.is-open');\n    for(var i=0;i<panels.length;i++){ panels[i].classList.remove('is-open'); }\n    var btns = document.querySelectorAll('.creddo-info-btn[aria-expanded=\"true\"]');\n    for(var j=0;j<btns.length;j++){ btns[j].setAttribute('aria-expanded','false'); }\n  }\n  function toggleInlineInfo(key, triggerBtn){\n    var panel = $('creddo-info-' + key);\n    if(!panel) return;\n    var info = INFO[key];\n    if(!info) return;\n    var wasOpen = panel.classList.contains('is-open');\n    closeInlineInfo();\n    if(!wasOpen){\n      panel.innerHTML = '<strong>' + info.title + '<\/strong>' + info.body;\n      panel.classList.add('is-open');\n      if(triggerBtn) triggerBtn.setAttribute('aria-expanded','true');\n    }\n  }\n  function bindInfoButtons(scope){\n    var root = scope || document;\n    var btns = root.querySelectorAll('.creddo-info-btn');\n    for(var i=0;i<btns.length;i++){\n      \/\/ Initial a11y state \u2014 collapsed\n      if(!btns[i].hasAttribute('aria-expanded')) btns[i].setAttribute('aria-expanded','false');\n      btns[i].addEventListener('click', function(e){\n        e.preventDefault();\n        toggleInlineInfo(this.getAttribute('data-info'), this);\n      });\n    }\n  }\n\n  \/* ---------- Step indicator ---------- *\/\n  function setStep(step){\n    var steps = document.querySelectorAll('.creddo-step');\n    for(var i=0;i<steps.length;i++){\n      var s = parseInt(steps[i].getAttribute('data-step'),10);\n      if(s === step){\n        steps[i].classList.add('is-active');\n        steps[i].setAttribute('aria-current','step');\n      } else {\n        steps[i].classList.remove('is-active');\n        steps[i].removeAttribute('aria-current');\n      }\n    }\n    $('creddo-panel-1').classList.toggle('is-active', step === 1);\n    $('creddo-panel-2').classList.toggle('is-active', step === 2);\n  }\n\n  \/* ---------- Number input formatting ---------- *\/\n  var EURO_INPUT_IDS = [\n    'creddo-liikevaihto','creddo-kayttokate','creddo-kassa','creddo-lyhytvelka',\n    'creddo-korollinen-velka','creddo-oma-paaoma','creddo-velanhoidon-kulut','creddo-uusi-laina'\n  ];\n  function bindNumberInputs(){\n    EURO_INPUT_IDS.forEach(function(id){\n      var el = $(id);\n      if(!el) return;\n      el.addEventListener('blur', function(){\n        var v = parseNum(id);\n        if(isFinite(v) && !isNaN(v)){ el.value = formatIntegerInput(v); }\n      });\n      el.addEventListener('focus', function(){\n        var v = parseNum(id);\n        if(isFinite(v) && !isNaN(v)){\n          el.value = String(Math.round(v));\n        }\n      });\n    });\n  }\n\n  \/* ---------- Validation ---------- *\/\n  function validateStep1(){\n    var ok = true;\n    var required = [\n      { id:'creddo-liikevaihto', allowNeg:false },\n      { id:'creddo-kayttokate',  allowNeg:true  },\n      { id:'creddo-kassa',       allowNeg:false },\n      { id:'creddo-lyhytvelka',  allowNeg:false }\n    ];\n    required.forEach(function(f){\n      var v = parseNum(f.id);\n      if(isNaN(v) || (!f.allowNeg && v < 0)){ showErr(f.id); ok = false; } else { hideErr(f.id); }\n    });\n    return ok;\n  }\n  function validateStep2(){\n    var ok = true;\n    var required = [\n      { id:'creddo-korollinen-velka',  allowNeg:false },\n      { id:'creddo-oma-paaoma',        allowNeg:true  },\n      { id:'creddo-velanhoidon-kulut', allowNeg:false }\n    ];\n    required.forEach(function(f){\n      var v = parseNum(f.id);\n      if(isNaN(v) || (!f.allowNeg && v < 0)){ showErr(f.id); ok = false; } else { hideErr(f.id); }\n    });\n    return ok;\n  }\n\n  \/* ---------- Scoring helpers ---------- *\/\n  \/\/ colour: 'green' | 'orange' | 'red'\n  function badgeLabel(colour){\n    return colour === 'green' ? 'Suotuisa' : colour === 'orange' ? 'Huomioitavaa' : 'Heikko';\n  }\n  function colourScore(colour){\n    return colour === 'green' ? 3 : colour === 'orange' ? 2 : 1;\n  }\n\n  \/* ---------- Ratio calculations ---------- *\/\n  function calcDSCR(ebitda, debtService){\n    if(debtService === 0){\n      if(ebitda > 0){\n        return { value: NaN, display: 'Ei velanhoidon kuluja', colour: 'green' };\n      }\n      return { value: NaN, display: '\\u2014', colour: 'red' };\n    }\n    var v = ebitda \/ debtService;\n    var c = v >= 1.25 ? 'green' : v >= 1.0 ? 'orange' : 'red';\n    return { value: v, display: fmtNum(v), colour: c };\n  }\n  function calcProFormaDSCR(ebitda, debtService, newLoan){\n    var total = debtService + newLoan;\n    if(total === 0){\n      if(ebitda > 0){\n        return { value: NaN, display: 'Ei velanhoidon kuluja', colour: 'green' };\n      }\n      return { value: NaN, display: '\\u2014', colour: 'red' };\n    }\n    var v = ebitda \/ total;\n    var c = v >= 1.25 ? 'green' : v >= 1.0 ? 'orange' : 'red';\n    return { value: v, display: fmtNum(v), colour: c };\n  }\n  function calcDTE(debt, equity){\n    if(equity <= 0){\n      return { value: NaN, display: 'Negatiivinen tai nolla oma p\u00e4\u00e4oma', colour: 'red' };\n    }\n    var v = debt \/ equity;\n    var c = v <= 2.0 ? 'green' : v <= 4.0 ? 'orange' : 'red';\n    return { value: v, display: fmtNum(v), colour: c };\n  }\n  function calcLiquidity(cash, shortDebt){\n    if(shortDebt === 0){\n      if(cash >= 0){\n        return { value: NaN, display: 'Ei lyhytaikaisia velkoja', colour: 'green' };\n      }\n      return { value: NaN, display: '\\u2014', colour: 'red' };\n    }\n    var v = cash \/ shortDebt;\n    var c = v >= 1.20 ? 'green' : v >= 1.0 ? 'orange' : 'red';\n    return { value: v, display: fmtNum(v), colour: c };\n  }\n  function calcDTR(debt, revenue){\n    if(revenue === 0){\n      if(debt > 0){\n        return { value: NaN, display: 'Liikevaihto nolla', colour: 'red' };\n      }\n      return { value: NaN, display: '\\u2014', colour: 'green' };\n    }\n    var v = debt \/ revenue;\n    var c = v <= 0.5 ? 'green' : v <= 1.0 ? 'orange' : 'red';\n    return { value: v, display: fmtNum(v), colour: c };\n  }\n\n  \/* ---------- Recommendations ---------- *\/\n  var RECO = {\n    dscr: {\n      green:  'Lainanmaksukykysi vaikuttaa vahvalta. K\u00e4ytt\u00f6katteesi kattaa velanhoidon kulut hyvin.',\n      orange: 'Lainanmaksukyky on riitt\u00e4v\u00e4, mutta marginaali on pieni. Kannattaa seurata k\u00e4ytt\u00f6katteen kehityst\u00e4.',\n      red:    'Velanhoidon kulut rasittavat maksukyky\u00e4. Harkitse velkojen uudelleenj\u00e4rjestely\u00e4 tai kannattavuuden parantamista.'\n    },\n    proforma: {\n      green:  'Uusi rahoitus on taloudellisesti kest\u00e4v\u00e4ll\u00e4 pohjalla k\u00e4ytt\u00f6katteen perusteella.',\n      orange: 'Uusi rahoitus kaventaa maksukykymarginaalia. Harkitse huolella.',\n      red:    'Uusi rahoitus lis\u00e4\u00e4 velanhoidon painetta merkitt\u00e4v\u00e4sti. Lainanotto voi vaarantaa maksuvalmiuden.'\n    },\n    dte: {\n      green:  'Velkaantumisaste on maltillinen. Oma p\u00e4\u00e4oma on hyv\u00e4ss\u00e4 suhteessa vieraan p\u00e4\u00e4oman m\u00e4\u00e4r\u00e4\u00e4n.',\n      orange: 'Velkaantumisaste on korkea. Uuden rahoituksen hankkiminen voi olla haasteellisempaa.',\n      red:    'Oma p\u00e4\u00e4oma on negatiivinen tai velka on eritt\u00e4in korkea suhteessa omaan p\u00e4\u00e4omaan. T\u00e4m\u00e4 on merkitt\u00e4v\u00e4 riskitekij\u00e4.'\n    },\n    liq: {\n      green:  'Maksuvalmiuspuskurisi on hyv\u00e4. Lyhytaikaiset velat on katettu kassavaroilla.',\n      orange: 'Maksuvalmius on hyv\u00e4ksytt\u00e4v\u00e4, mutta suurempi puskuri olisi suositeltava.',\n      red:    'Kassavarat eiv\u00e4t kata lyhytaikaisia velvoitteita. Kassavirtaan on kiinnitett\u00e4v\u00e4 erityist\u00e4 huomiota.'\n    },\n    dtr: {\n      green:  'Velka on maltillinen suhteessa liikevaihtoon. Hyv\u00e4 l\u00e4ht\u00f6kohta lis\u00e4rahoitukselle.',\n      orange: 'Velka vastaa suunnilleen vuotuista liikevaihtoa. Tilanne on hallittavissa mutta ansaitsee seurantaa.',\n      red:    'Velka ylitt\u00e4\u00e4 liikevaihtosi. T\u00e4m\u00e4 voi rajoittaa lis\u00e4rahoituksen saatavuutta.'\n    }\n  };\n\n  \/* ---------- Render ratio card ---------- *\/\n  function ratioCardHtml(name, infoKey, result){\n    return '<div class=\"creddo-ratio-card is-' + result.colour + '\">' +\n             '<div class=\"creddo-ratio-head\">' +\n               '<div class=\"creddo-ratio-name\">' + name +\n                 ' <button type=\"button\" class=\"creddo-info-btn\" data-info=\"' + infoKey + '\" aria-label=\"Lis\u00e4tietoja\">?<\/button>' +\n               '<\/div>' +\n               '<div class=\"creddo-ratio-meta\">' +\n                 '<span class=\"creddo-ratio-value\">' + result.display + '<\/span>' +\n                 '<span class=\"creddo-ratio-badge is-' + result.colour + '\">' + badgeLabel(result.colour) + '<\/span>' +\n               '<\/div>' +\n             '<\/div>' +\n             '<div class=\"creddo-info-panel\" id=\"creddo-info-' + infoKey + '\"><\/div>' +\n           '<\/div>';\n  }\n\n  \/* ---------- Calculate & render results ---------- *\/\n  function runCalculation(){\n    var liikevaihto      = parseNum('creddo-liikevaihto');\n    var kayttokate       = parseNum('creddo-kayttokate');\n    var kassa            = parseNum('creddo-kassa');\n    var lyhytvelka       = parseNum('creddo-lyhytvelka');\n    var korollinenVelka  = parseNum('creddo-korollinen-velka');\n    var omaPaaoma        = parseNum('creddo-oma-paaoma');\n    var velanhoidonKulut = parseNum('creddo-velanhoidon-kulut');\n    var uusiLainaRaw     = parseNum('creddo-uusi-laina');\n    var uusiLaina        = (isFinite(uusiLainaRaw) && !isNaN(uusiLainaRaw)) ? uusiLainaRaw : 0;\n    var hasNewLoan       = isFinite(uusiLainaRaw) && !isNaN(uusiLainaRaw) && uusiLainaRaw > 0;\n\n    var dscr     = calcDSCR(kayttokate, velanhoidonKulut);\n    var dte      = calcDTE(korollinenVelka, omaPaaoma);\n    var liq      = calcLiquidity(kassa, lyhytvelka);\n    var dtr      = calcDTR(korollinenVelka, liikevaihto);\n    var proforma = hasNewLoan ? calcProFormaDSCR(kayttokate, velanhoidonKulut, uusiLaina) : null;\n\n    \/\/ Weighted average \u2014 weights: DSCR 5, ProForma 4, DTE 3, Liq 2, DTR 1\n    var totalWeight = 0, weightedSum = 0;\n    function add(weight, colour){ totalWeight += weight; weightedSum += weight * colourScore(colour); }\n    add(5, dscr.colour);\n    if(proforma) add(4, proforma.colour);\n    add(3, dte.colour);\n    add(2, liq.colour);\n    add(1, dtr.colour);\n    var avg = totalWeight > 0 ? (weightedSum \/ totalWeight) : 0;\n\n    var verdictColour, verdictText;\n    if(avg >= 2.4){ verdictColour = 'green';  verdictText = 'Taloudellinen tilanne on suhteellisen vakaa'; }\n    else if(avg >= 1.6){ verdictColour = 'orange'; verdictText = 'Taloudellinen tilanne on vaihteleva'; }\n    else { verdictColour = 'red'; verdictText = 'Taloudellisissa tunnusluvuissa on huomioitavaa'; }\n\n    var scoreBox = $('creddo-score-box');\n    scoreBox.classList.remove('is-green','is-orange','is-red');\n    scoreBox.classList.add('is-' + verdictColour);\n    $('creddo-score-text').textContent = verdictText;\n\n    var html = '';\n    html += ratioCardHtml('Velanhoidon kattavuussuhde (DSCR)', 'dscr', dscr);\n    if(proforma) html += ratioCardHtml('Pro Forma \u2013 Velanhoidon kattavuussuhde', 'proformadscr', proforma);\n    html += ratioCardHtml('Velkaantumisaste (VKA)', 'velkaantumisaste', dte);\n    html += ratioCardHtml('Maksuvalmiussuhde (MV)', 'maksuvalmius', liq);\n    html += ratioCardHtml('Velka suhteessa liikevaihtoon (VSL)', 'vsl', dtr);\n    var ratiosEl = $('creddo-ratios');\n    ratiosEl.innerHTML = html;\n    bindInfoButtons(ratiosEl);\n\n    var recos = '<ul>';\n    recos += '<li><strong>DSCR:<\/strong> ' + RECO.dscr[dscr.colour] + '<\/li>';\n    if(proforma) recos += '<li><strong>Pro Forma DSCR:<\/strong> ' + RECO.proforma[proforma.colour] + '<\/li>';\n    recos += '<li><strong>Velkaantumisaste:<\/strong> ' + RECO.dte[dte.colour] + '<\/li>';\n    recos += '<li><strong>Maksuvalmiussuhde:<\/strong> ' + RECO.liq[liq.colour] + '<\/li>';\n    recos += '<li><strong>Velka suhteessa liikevaihtoon:<\/strong> ' + RECO.dtr[dtr.colour] + '<\/li>';\n    recos += '<\/ul>';\n    $('creddo-recos').innerHTML = recos;\n\n    \/\/ Hide step panels, show result\n    $('creddo-panel-1').classList.remove('is-active');\n    $('creddo-panel-2').classList.remove('is-active');\n    $('creddo-result').classList.add('is-visible');\n\n    scrollToTop();\n  }\n\n  \/* ---------- Reset ---------- *\/\n  function resetAll(){\n    EURO_INPUT_IDS.forEach(function(id){\n      var el = $(id);\n      if(el) el.value = '';\n    });\n    hideAllErr();\n    closeInlineInfo();\n    $('creddo-result').classList.remove('is-visible');\n    $('creddo-ratios').innerHTML = '';\n    $('creddo-recos').innerHTML = '';\n    $('creddo-score-text').textContent = '\\u2014';\n    var box = $('creddo-score-box');\n    box.classList.remove('is-green','is-orange','is-red');\n    var advBtn = $('creddo-adv-toggle');\n    advBtn.setAttribute('aria-expanded','false');\n    advBtn.textContent = 'N\u00e4yt\u00e4 lis\u00e4asetukset \u25bc';\n    $('creddo-adv-panel').classList.remove('is-open');\n    setStep(1);\n    scrollToTop();\n  }\n\n  function scrollToTop(){\n    var app = $('creddo-app');\n    if(app && typeof app.scrollIntoView === 'function'){\n      try { app.scrollIntoView({ behavior:'smooth', block:'start' }); } catch(e){ app.scrollIntoView(); }\n    }\n  }\n\n  \/* ---------- Wire up ---------- *\/\n  function init(){\n    bindInfoButtons(document);\n    bindNumberInputs();\n\n    $('creddo-next').addEventListener('click', function(){\n      if(validateStep1()){ closeInlineInfo(); setStep(2); scrollToTop(); }\n    });\n    $('creddo-prev').addEventListener('click', function(){\n      closeInlineInfo(); setStep(1); scrollToTop();\n    });\n    $('creddo-calc').addEventListener('click', function(){\n      if(validateStep2()){ closeInlineInfo(); runCalculation(); }\n    });\n    $('creddo-reset').addEventListener('click', resetAll);\n\n    var advBtn = $('creddo-adv-toggle');\n    advBtn.addEventListener('click', function(){\n      var panel = $('creddo-adv-panel');\n      var isOpen = panel.classList.toggle('is-open');\n      advBtn.setAttribute('aria-expanded', isOpen ? 'true' : 'false');\n      advBtn.textContent = isOpen ? 'Piilota lis\u00e4asetukset \u25b2' : 'N\u00e4yt\u00e4 lis\u00e4asetukset \u25bc';\n    });\n  }\n\n  if(document.readyState === 'loading'){\n    document.addEventListener('DOMContentLoaded', init);\n  } else {\n    init();\n  }\n})();\n<\/script>\n        \n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-taloudellinen-tarkistus\"><strong>Taloudellinen tarkistus<\/strong><\/h2>\n\n\n\n<p>Sy\u00f6t\u00e4 muutama yrityksesi perustieto ja saat suuntaa-antavan arvion.<\/p>\n\n\n\n<p><strong>Tarvittavat tiedot:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vuosiliikevaihto<\/li>\n\n\n\n<li>K\u00e4ytt\u00f6kate<\/li>\n\n\n\n<li>Rahavarat<\/li>\n\n\n\n<li>Lyhytaikaiset velat<\/li>\n<\/ul>\n\n\n\n<p>Klikkaa <strong>Seuraava<\/strong>, kun olet t\u00e4ytt\u00e4nyt tiedot.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-mit-tulos-kertoo\"><strong>Mit\u00e4 tulos kertoo?<\/strong><\/h2>\n\n\n\n<p>Tulos auttaa ymm\u00e4rt\u00e4m\u00e4\u00e4n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>n\u00e4ytt\u00e4\u00e4k\u00f6 yrityksesi talous vakaalta<\/li>\n\n\n\n<li>onko maksukyky riitt\u00e4v\u00e4ll\u00e4 tasolla<\/li>\n\n\n\n<li>voiko velkojen m\u00e4\u00e4r\u00e4 vaikuttaa rahoituksen saamiseen<\/li>\n\n\n\n<li>mit\u00e4 kohtia kannattaa vahvistaa ennen uutta hakemusta<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-miksi-t-st-on-hy-ty\"><strong>Miksi t\u00e4st\u00e4 on hy\u00f6ty\u00e4?<\/strong><\/h2>\n\n\n\n<p>Kun tied\u00e4t, milt\u00e4 yrityksesi tilanne n\u00e4ytt\u00e4\u00e4 rahoittajan n\u00e4k\u00f6kulmasta, voit valmistautua paremmin.<\/p>\n\n\n\n<p>Voit esimerkiksi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>parantaa kannattavuutta<\/li>\n\n\n\n<li>pienent\u00e4\u00e4 lyhytaikaisia velkoja<\/li>\n\n\n\n<li>vahvistaa kassaa<\/li>\n\n\n\n<li>hakea rahoitusta sopivammalla summalla<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hylk-ys-ei-ole-loppu\"><strong>Hylk\u00e4ys ei ole loppu<\/strong><\/h2>\n\n\n\n<p>Jos rahoitus hyl\u00e4ttiin, se ei tarkoita, etteik\u00f6 yrityksell\u00e4si olisi mahdollisuuksia. 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Kun ymm\u00e4rr\u00e4t n\u00e4m\u00e4 asiat, voit paitsi selvitt\u00e4\u00e4 hylk\u00e4yksen [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1378,"parent":1366,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"creddopage.php","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-1377","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v16.0 (Yoast SEO v20.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Yrityksen luottokelpoisuus - Creddo FI<\/title>\n<meta name=\"description\" content=\"Selvit\u00e4 yrityksesi luottokelpoisuus ja ymm\u00e4rr\u00e4, miksi rahoitus voidaan hyl\u00e4t\u00e4. 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