Krea exposes more than 30 banks and lenders to competition for business financing. The following actors have the opportunity to give you offers on financing on our platform.

Business loans
Marginalen Bank, Froda, Svea Bank, Aros Kapital, Capcito, CapIQ, Capitalbox, Corpia, DBT, Euro Finans, Fedelta, FINQR, FundingPartner, Kameo, Leasio Finans AB, Mynt, OPR, Qred, SBL Finans, Svensk Företagsfinansiering och Treyd.

Factoring
Ikano Bank, A.B.S Global Factoring, Svea Bank, Invoier, Alfa Finans, Billecta, Capcito, CapIQ, Euro Finans, Finansia och FINQR.

Real estate loans
SBP Nordic, Kameo, Svea Bank, Froda, Aros Kapital, Corpia, DBT, Euro Finans, Froda, FundingPartner och IMH Finans.

Business leasing
We cooperate with Nordic Finance and Marginalen Bank, among others.

For larger financing solutions, Krea collaborates with all relevant banks and lenders, including most larger banks, for example Nordea and SEB.

Before you make an application with us you can always estimate your business' credit limit, completely free of charge and without a credit check.

Click here to go to the service.

To apply for financing with Krea you are required to have signing rights for the company. That means that you need to have a leading role in the company, such as a CEO or board member. The company also has to be registered and active in Sweden.

Should you not have signing rights but have an economic or other role in the company, you can always contact our customer service, kundservice@krea.se for assistance with your application.

Private individuals cannot apply and neither can shell corporations, shelf corporations or branch companies.

The best way to find out which terms your business can receive is to submit an application with Krea. An application is non-binding and we do not share your contact details until you have chosen an offer that you want to move forward with.

While you are receiving offers, we help you compare the total cost of each offer by calculating a "comparable interest rate".

Our recommendation is therefore to create an application to find out exactly what terms you can get.

Yes, newly founded businesses can apply for business loans and factoring.

Since a newly started business has limited historical data we recommend that the application includes the following documents:

• Business Plan, here you can find a template for creating a business plan.
• Budget, here you can find a template for creating a budget.

For factoring applications, there are fewer requirements for the applying company. Remember to include the latest accounts ledger
of your business or copies of the invoices you would like to sell in your application.

Payment remarks do not have to be a hinder for your business to be granted a business loan. A few remarks do not necessarily mean that your business does not have the ability to repay a loan.

Each lender will do an individual assessment of your business repayment capacity, and the offers you receive depends on the type of remarks you received.

Before you make an application with us you can always estimate your business' credit capacity, completely free of charge and without credit check, through our AI service.

Click here to got to the service.

If you apply for factoring, the decision whether your invoice purchase application will be approved will also be based on the creditworthiness of your customers and not solely on yours.

Limited companies ("aktiebolag"), sole proprietorships ("enskild firma"), general partnerships ("handelsbolag") and limited partnerships ("kommanditbolag") can apply for financing.

Yes, even though more than 30 banks and lenders get access to your application, only 1 UC credit report will be registered on your business and on any personal guarantor to the loan application.

You may receive multiple letters that inform you that a credit check has been made on you or your business. Despite that, only 1 credit report is registered as Krea is cooperating with the Swedish credit agency (Upplysningscentralen - UC). This ensures that multiple lenders can take part of the same report.

Some lenders retrieve additional information through other institutions (such as CreditSafe or Bisnode), but these do not affect your or your company's creditworthiness with UC.

A credit check is registered on the company you are applying for, as well as for each personal guarantor you state in your application.

If only one credit check is made, the creditworthiness of the guarantor or your company is not affected.

However, if multiple requests are made during a short period, it can affect the guarantor's or company's creditworthiness. Our lenders take part of the same report that was issued by Krea, and do not make their own. This ensures that your business is not negatively affected by multiple credit checks.

Creating an application with us only takes about five minutes. When you create your application, it is sent to the banks and lenders in our network. You will see all the offers on business loan or invoice purchase within 1 day.

Once you have found an offer for a business loan or invoice purchase that is attractive, you can get in touch with the lender. Depending on the size of the financing and if additional information is needed, the time until the payment is made to your account may differ slightly.

If you have been offered a smaller amount and the lender has received all information they requested, the funds can be disbursed to you within 1-2 days. For larger and more complex financing requests, you will receive the funds within approximately a week.

We recommend you to include as much relevant information as possible when you create your application.

The more relevant information that the lenders receive, the more accurate the risk assessment they can make, which enables them to provide the best offers.

Examples of information that is interesting for lenders are:

• Balance sheet and income statement for the last 12 months.
• Additional collateral in the form of, for example, a property mortgage.
• That you state at least one guarantor. You can state yourself or another person(s).
• Business plan, here you can find a template for creating a business plan.
• Budget, here you can find a template for creating a budget.

Yes, applying for financing to buy another company only requires that you meet the basic requirements for receiving a business loan.

Financing a company acquisition can be more complex to assess for banks and lenders. It is therefore extra important that you describe your goals and assumptions in, for example, a business plan for the business you intend to buy.

Yes. You can both apply for a loan to buy a property, but also pledge a property as collateral for a business loan.

When you make the application, we will ask you both about the purpose of the business loan but also ask you to fill in the following information during a real estate financing:

• Property designation.
• Market valuation (it is possible to upload a valuation).
• Purchase price.
• Own contribution.