United Finance

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

We will 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 will 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 for them. It’s as simple as that.

How is this good for your business?

You will get new customers

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

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.

The value of your company will increase

In addition to product sales, your business will include long-term service agreements.

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 will turn it into a service.

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

How we do it

1.Customer Relations Team

We believe in partnership and want to ensure, your
organizations sales personnel will experience using our
service smooth and effortless.

2. Initial arrangements

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

3. 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 need.

4. Invoicing

We will 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

United Finance is a rapidly-growing financial institution specialising in service sales with sights fixed on internationalisation. 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 at 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 signifies. 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 companies 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 are always looking for the best specialists to join our team and further strengthen our knowledge base.


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

  • The United Finance app, which we have been actively developing since 2010, is designed to support product management and the automated creation of service contracts.
  • 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 customised on a partner-specific basis.
  • The app lets you 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 (in early 2017, once the Asseri integration is completed)
  • Outgoing supplier payments and account settlements during the fiscal period
  • Reports

  • Handling of the various stages of the contract period, such as the period prior to signing of the contract, and the handling of 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, etc., are modulated to be product-specific.
  • Real-time reporting of refinancers
  • User levels and authentication of contract management
  • Storage of data and data analytics using BI tools
Through contract management, we can carry out both service provider specific and full contract base executions.


Marko Roivainen

Managing Director

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


Marko Matikainen

Chief Commercial Officer (CCO)

Marko is responsible for developing sales and service business with 20 years of experience. Marko has been a shareholder for 15 years in several financial and service companies, including 3 Step IT, Stella and TPL Group.

Tel. +358 40 650 6900


Jonna Savas

Service Director, Service Production Unit

Jonna is responsible for developing service processes and creating a positive customer experience
training of sellers of partners. Jonna has 20 years of experience in B2B customer work, the past 10 years as a Service Manager at 3 Step IT.

Tel. +358 40 191 0865


Janne Saarikko

Executive Vice President (EVP)

Janne is responsible for management of financing operations including strategic portfolio and asset management. Janne has worked previously as Executive Vice President of Mandatum Life, Head of Finnish and Baltic Markets for Danske Bank and as Senior Director for Nordea.

Tel. +372 5199 7752


Hendrik Roosna

Chairman of Supervisory Board

Hendrik is in the role of supervising Group operations. Hendrik has over 10 years of experience as an entrepreneur and in the field of finance through Fusion Varahalduse AS (merged into United Finance) and multiple other finance and lease operators.

Tel. +372 5645 1406


Prashanth Sanivarapu

Managing Director, Deployment Unit

Responsible for business development, operations and administration of India region. Over 12 years of experience in IT service and delivery management with expertise in core financial services.


Sales Finland

Timo Leinonen

Sales Director

Tel. +358 40 509 6255


Matias Similä

Sales Director

Tel. +358 50 394 2880


Antti Sulkumäki

Key Account Director

Tel. +358 40 650 3367


Matti Vainio

Key Account Director

Tel: +358 50 4115252

Service Production Finland

Heini Kettunen

Service Design Manager

Tel. +358 40 676 2232


Ilkka Virtanen

Customer Service Specialist

Tel. +358 40 500 9114


Gert Müürsepp

BI Analyst

Tel: +372 5645 1421


Sales Estonia

Risto Kriik

Sales Director

Tel: +372 5389 5488


Rauno Usberg

Financial Consultant

Tel: +372 5698 9611


Elina Merisalu

Financial Consultant

Tel: +372 5649 6973


Katerina Rümmel

Financial Consultant

Tel: +372 5557 6772


Marko Pilisner

Financial Consultant

Tel. +372 5813 3368


Back Office

Ännifriid Põder


Tel: +372 679 9550


Karolina Vardja

Contract Manager

Tel: +372 679 9550


Jaanika Lehis


Tel. +372 5358 7506


Rain Amur

Sales Assistant

Tel: +372 5622 0825


Finance and Financial Management

Tõnis Vahesaar

General Counsel

Tel. +372 50 169 31


Meelis Mullaste

Chief Risk Officer (CRO)

Tel. +372 506 0694


Maris Hämarsalu

Credit Analyst

Tel: +372 679 9550


Tom Vikson

Financial Analyst

Tel: +372 679 9550


Kersti Rahnel

Financial Administrator

Tel: +372 679 9550


Development Unit

Sami Sipilä

Chief Operations Officer (COO)

Tel. +372 513 9857


Juha-Pekka Korpela

Solution Architect

Tarmo Kallas

Application Consultant

Markus Pääkkö

Senior Application Architect

Marketing and Communications

Victoria Tääker

Marketing Manager

Tel. +372 5645 0112



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