Finland is one of the most digitalized SME markets in Europe. For banks, fintechs, and SaaS providers looking to access real-time accounting and ERP data, the question is not if the data exists, but how easily you can connect to it.

At Zwapgrid, we believe in the power of “build once, deploy many”,  one integration that opens the door to multiple systems and thousands of companies.

So, how much of the Finnish SME market do we cover today?

Here’s what the numbers say, based on ~290,000 SMEs in Finland:

• Procountor – ~100,000 companies → 34%
  
  
• Netvisor – ~40,000 companies → 14%
  
  
• Visma eAccounting (ePasseli) – ~10,000 companies → 3%
  
  
• Microsoft Business Central – ~5,000 companies (est.) → 2%
  
  

➡️ Total coverage: ~53% of all SMEs in Finland

That means more than half of all Finnish SMEs are already within reach for our partners through Zwapgrid’s Open Accounting API.

Why does this matter?

• For lenders, this coverage directly increases approval rates and reduces risk, as more SMEs can seamlessly share updated financial data.
  
  
• For SaaS providers, it means faster onboarding and broader reach without needing to build and maintain multiple integrations.
  
  
• For SMEs, it lowers the barrier to accessing financing and digital services by making their existing ERP data portable.
  
  

The long tail opportunity

The remaining ~47% of SMEs run on a fragmented mix of smaller systems (Heeros, Fennoa, Talenom legacy, Excel, etc.). This is exactly where Zwapgrid’s model shines: by continuously adding systems, we unlock even more of the market without increasing integration complexity for our partners.

In short: If you want to reach Finnish SMEs at scale, Zwapgrid already gives you access to more than half of the market, and we’re not stopping there.

Let’s talk about how your product could benefit from this reach.

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