Find the best funding for your business with Krea

To apply for financing from Krea, the applicant must be a signatory within the company, e.g. CEO or board member. The company must also be registered in and be active in Sweden and have a real principal registered.

Should you not be a company signatory but have a leading role in the company, you can always contact our customer service, kundservice@krea.se for assistance with the application.

We cannot help you if you are a private person or if you have a shell company, warehouse company or branch company.

Yes, as long as the basic requirements are met, it is possible to create an application even if a partner is resident abroad.

To create an application at Krea, it needs to be signed via BankID by a company signatory, so the person creating the application must have a Swedish BankID.

If the person is to be listed as a guarantor in the application, it is also important to think about where they have their income, the assessment of a guarantor is made based on the person's taxed income in Sweden. If the person has no income in Sweden in recent years, the lenders usually cannot accept that the person pays for the financing.

Unfortunately, we cannot help you with an application without the organization number being registered with the Swedish Companies Registration Office. Even if you have submitted your registration to the Swedish Companies Registration Office, it can take up to a month before it is completed and the information is in our systems. If you are unsure whether your company is registered yet, you can search for the organization number at the Swedish Companies Registration Office.

However, you are welcome to contact us if you are looking for advice for a future financing need. We will be happy to help prepare you for the application in the best possible way.

Krea lets more than 30 banks and other lenders compete in company financing.

Marginalen Bank, Froda, Svea Bank, Aros Kapital, Capcito, Capitalbox, DBT, Euro Finans, Fedelta, FundingPartner, Kameo, Mynt, OPR, Qred, Bizcap, Akela, Terox Finans, SBL Finans, and Treyd.

In addition to business loans, your company can also receive proposals for Real Estate Loans, Business Credit, Leasing, and/or Factoring with the same application.

The following entities have the opportunity to provide you with proposals for other financing solutions: Ikano Bank, Nordic Finance, Finansia, Invoier, ABS Global Factoring, Grenke Leasing, CapIQ, IMH Finans, SBP Nordic, SBP Kredit, and FINQR.

For larger financing solutions, Krea collaborates with all relevant banks, including most major banks, such as Nordea and SEB.

When specifying a guarantor, it means that the person becomes obligated to take over the debt if the company cannot pay voluntarily. Guarantors are usually used in cases where the company cannot meet the repayments, serving as an additional security for the lender.

In the application with Krea, we recommend that you specify yourselves as guarantors, as we have observed that it increases the likelihood of your application being approved.

In addition to you as a guarantor, other individuals in the board can also act as guarantors for all banks and other lenders. Some lenders may even accept external individuals as guarantors after an individual assessment. You can always specify who should be guarantors in your application by providing their personal identification numbers and email addresses.

We recommend that you include as much relevant information as possible for the lenders when creating the application.

The more relevant information the lenders receive, the more accurate the risk assessment they make, which in turn leads to them being able to give the best loan proposals.

Examples of information that is of interest to lenders are:

• Balance sheet and income statement for the last 12 months
• Additional collateral in the form of, for example, a property mortgage or business mortgage.
• That you specify at least one guarantor, where you can specify yourself or other people on the board.
• In case of larger financing needs, it is also advantageous to add a liquidity budget for the coming months.

When you apply for financing through Krea, only one (1) UC credit report is taken on your individual company. We do not collect any additional information about you as a person, as UC provides the same information with a company information.

For individual companies and other forms of business (e.g. trading companies), the lenders must, according to the Credit Information Act (1973:1173), send information to you as the owner that they have received the same information. However, this information is NOT counted as a separate request and thus does not affect your credit rating.