United Finance

Go from product sales to service sales and make it in a world where ownership is a burden.

We’ll help you.

United Finance

Welcome to the new era of service sales.

The world is changing fast. And traditional business models are changing along with it. More and more companies want to buy products as services instead of actually owning them.

We’ll help your company adjust to this new era of buying and shift from traditional product sales to service sales.

You provide your customers with services, and they pay you to use them. It’s as simple as that.

How is this good for your business?

Moikka maailma!

You’ll get new customers

Your potential customers would rather pay for using devices, not for owning them.

Moikka maailma!

Customers will be more likely to buy

It's much easier to make a decision on a €1,500 monthly service than on a €50,000 investment.

Moikka maailma!

The value of your company will increase

When customers go from buying products to subscribing to services, you can deepen your relationship by adjusting your service to meet their needs.

Moikka maailma!

Customer loyalty will increase

When customers go from buying products to subscribing to services, you can deepen your relationship by adjusting your service to meet their needs.

Bring your product to us.
We’ll turn it into a service.

You’ll get a ready-made financing model and the tools you need to develop and maintain your service sales based business.

How we do it

Moikka maailma!

1. Initial arrangements

We’ll go through your product and service portfolio with your company and work out the practical matters. After that, we’ll be ready to launch your service sales.

Moikka maailma!

2. Service sales

Once your services start selling, you can use the easy-to-use ufinance.com portal to make service agreements with your customers. After the contract has been signed, your company will deliver the products your customers will need.

Moikka maailma!

3. Invoicing

We’ll pay you for the device and manage the end user service invoicing on your behalf under your company’s name.

United Finance Ltd. as a company

Moikka maailma!

United Finance is a rapidly-growing and internationalising financial institution specialising in service sales. Established in 2010, it currently has around 300 clients in Finland. Our aim is to be the leading expert in service sales in Europe.

The world is changing and breakneck speed, and the operating models and assumptions of the past no longer guarantee success. Our business is based on our deep understanding of this change and what it means. We use this insight to help our clients successfully grow their businesses – today, tomorrow and well into the future.

The key players in our company have years of experience in finance, service company operations and the IT sector. Our diverse backgrounds in multiple fields give us unique insight into how different business sub-areas can work together effectively. We’re always looking for the best specialists to join our team and further strengthen our knowledge base.

Ufinance

Ufinance is a core part of United Finance’s service offering. It’s a tool our partners can use to digitalise their sales processes and make the smooth transition from product sales to service sales.

Moikka maailma!
  • The United Finance app, which we’ve been actively developing since 2010, is designed to support product management and the automated creation of service contracts suppliers for suppliers.
  • The financing of service contracts has been largely automated, which means you can make smaller service contracts with lower transaction costs.
  • Delivery and service contracts can be created quickly and easily online via the Ufinance app. The service is available to all our customers and it can be custom-designed on a partner-specific basis.
  • The app lets your and your partners manage the entire lifecycle of your contracts.
  • The app will be linked to the existing financial management software, which means that users can directly link contract transactions to their own accounting.

Read more >

Explore the features

  • The offer made to the client
  • Delivery Contract and Service Contract
  • Order confirmation
  • Third-party invoicing of monthly installments and services
  • Accounts ledger and collection
  • Integration of the bank system through financial management software
  • Accounting materials
  • Management of fixed assets register
  • Outgoing supplier payments and account settlements during the fiscal period
  • Reports

  • Handling of various stages of the contract period, such as period prior to signing of the contract, the functions of the contract period and the period after the contract period; extension period, remainder values and the termination of the contract.
  • Termination of the contract during the contract period
  • Product catalogue, in which devices, services and licenses, amongst other things, are modulated to be product-specific.
  • Real-time reporting of refinancers
  • User levels and authentication of contract management
  • Storage of data and data analytics that work with BI
Through contract management, both service provider specific and full contract base executions can be carried out.

What our clients have to say

”We tapped into entirely new market segments”

United Finance has a deep understanding of how to refine service sales models and a burning desire to develop our service offering. With their help, we’ve extended our business into new market segments and gained a significant competitive edge. One of the fruits of our cooperation has been the launch of the ITDiamond service, which has been a great way for us to apply and benefit from the principles of service sales.

Jouni Erkkilä,
CEO
PCP Partner Oy

”Energy efficiency services for a fixed monthly price”

United Finance Ltd has an excellent service model that lets our property clients benefit from energy efficiency services at a fixed monthly price. With United Finance’s help, we’ve make it easier for our customers to make a purchase decision and to productise the adoption of the service more flexibly than before. This new addition has been warmly received by our customers, which also means it’s helped boost our bottom line.

Heikki Uurto,
CFO
Ouman Oy

“Products and services for Data Group’s customers for one monthly fee”

Our objective is to offer our customers all the key products and services they need from the same place – and for a single monthly fee. Selling products as a service used to be challenging because it was generally done through leasing and financing options. We’re confident that our partnership with United Finance will bring more possibilities and flexibility to service sales and help us to develop our service sales to better support our customers’ business operations.

Timo Vilenius,
CEO
Data Group

“Light as a service”

Replacing existing sources of light with new-generation LED technology has saved our customers energy and money. Together with United Finance, we’ve developed the ‘Valoa Palveluna’ (‘Light as a Service’) concept, which lets our customers save energy without a heavy initial investment. In the concept, the replacement project pays for itself in the very first month. We believe that our partnership with United Finance will lead to significant growth in turnover over the next few years.

Marko Puumalainen,
Development Director
Ecotale Oy and Toshiba

“Are you our next success story”

We’ve helped dozens of companies boost their businesses with service sales. Get in touch with us and we’ll do the same for your company.

Timo Leinonen,
Sales director
Tel. 040 509 6255

Executive board

Marko
Roivainen

CEO

Responsible for the strategic leadership of the group. Over 17 years of entrepreneurial and management experience in IT and software development, financial administration, financing and insurance industries.

Tel. +358 400 603 417

Sami
Sipilä

COO

Responsible for the development of operative functions, international business and information management.
Over 15 years of experience in managing IT, outsourcing and business consultation projects in more than 30 countries.

Tel. +372 513 9857

Timo
Leinonen

Sales Director

New customer acquisition, consulting and training of the service businesses of customer companies.
Over 20 years of experience in IT service development, the last 10 years of which as an entrepreneur.

Tel. +358 40 509 6255

Marko
Matikainen

CCO

Responsible for the development of customer accounts and service processes. Over 20 years of experience in developing service businesses. Partner in in several financing and service companies for 15 years.

Tel. +358 40 650 6900

In addition to the members of our executive board, our ten other experts will be there to help your company succeed through service sales.

We’re looking for new workmates

We’re always looking for great new talents to join us.
Please visit our careers page.