Krea
Utmärkt 4.7 / 5
Företagskredit - Hero
Utmärkt 4.7 / 5
410 omdömen

Business credit - secure liquidity at the right time

  • Better terms | Compare offers from 30+ lenders

  • Save time | Our advisors will find the right solution for you

The service is free of charge.How come?

How does a business line of credit work?

A business line of credit gives your company the flexibility to withdraw funds up to a predetermined credit limit. It can be used to manage unexpected expenses, act as a buffer during peak seasons, or enable investments in growth.

Unlike a traditional business loan, you only pay interest on the amount you use. Additionally, you can make multiple withdrawals throughout the year within your credit limit, making it a flexible financing solution.

Business credit vs. Overdraft

The company credit is not linked to an account

The limit for an overdraft can be changed at any time

It is more common with business credit for limited companies, as owners of individual companies may already have a private overdraft.

The limit for a business credit can be higher and can therefore also be used for bigger investments.

Business credit vs. Business loan

The repayment of the business loan follows a clear amortization plan.

With a business loan, you can determine repayments on an ongoing basis.

Business credit vs. Credit card

You do not get a card with a business credit, instead the limit is paid out to your business account.

The interest rate and fees for business credit are lower compared to business credit cards.

Some business loans have a card linked to the credit. So there is an opportunity to combine the benefits of a credit card with a business loan.

Business credit in three steps

1
Tell us about your company and your financing needs
Foretagslan - Process - Step 1

Tell us about your company and your financing needs

Create the application yourself or book an appointment with one of our advisors free of charge.

How long does an application take?
2
We optimize your application
Foretagslan - Process - Step 2

We optimize your application

We ensure that your company is presented in the best possible way. Only 1 credit report is taken.

How?
3
We help you choose the best proposal
credit- Process (1)

We help you choose the best proposal

Sign the agreement and get the money paid out. Usually within 1-10 days.

COMPANY CREDIT

Business credit – liquidity when you need it

Access capital when you need it. With a business credit through Krea, you increase your company’s flexibility. The application is free of charge and non-binding, taking only a few minutes. You’ll receive a response within 24 hours and can choose from offers by various lenders.

Our most common questions about business credit

Pros and cons of business credit

A business credit line can be the right solution depending on your situation. Read about the pros and cons to determine if it's a good fit for you. With a single application at Krea, you’ll receive multiple offers to choose from.

Pros

1

Capital available when you need it

2

Improved cash flow stability

3

No cost to pay back

4

Pay only for what you use

Cons

1

Usually more expensive than a business loan

2

The credit limit is generally lower than that of a traditional business loan

3

Personal guarantees are often required for the full amount with a business credit

Get business credit with better terms with Krea

Up to 30 banks are exposed to competition

Selection of our banks and lenders.

Svea - Foretagslan - Logo
OPR-Företagslån-Logo
Capitalbox-Logo
Froda företagslån
Capcito - Foretagslan - Logo
Treyd-Logo

We expose most banks and lenders to competition on the market.

Business credit with guaranteed terms

Villkorsgaranti-Foretagslan

You always get the same or better terms with Krea as with the lender.

How?

Business credit: What does it cost?

Företagskredit - Vad kostar det

How much does a business credit cost?

A business credit line typically comes with an arrangement fee and two different interest charges: a fixed annual fee (contract interest) and interest on the utilized credit amount (drawn interest). However, some banks and lenders may choose not to include an arrangement fee for the business credit.

  • Contract interest is the fixed fee applied to the maximum credit limit that the company has been approved for. In other words, the higher the approved credit limit, the larger the fee.
  • Drawn interest is the interest charged on the actual credit amount used. This is often a fixed rate but can also be variable with some banks and lenders.

Business credit with or without personal guarantee

Lenders often require a business mortgage as collateral, where the company pledges movable assets such as accounts receivable and inventory. When starting a business credit line, personal guarantees are frequently required, meaning you, as an individual, become personally liable for repaying the credit. The more collateral you can offer, the better the interest rate you can typically obtain.

How we save time for you

Krea does the work for you throughout the entire process

You get a personal advisor

When you start an application, you will be assigned an advisor dedicated to your business. The adviser's task is to ensure that you get the best terms possible.

Krea optimizes your application

We recommend how to improve your application. Based on 20,000 previous customers, we know how to get the best terms.

Part of Krea's team of advisors

Ella Almstedt - Profile

Ella Almstedt

Advisor

ella.almstedt@krea.se
Linda pink background

Linda Ekström

Advisor

linda.ekstrom@krea.se

Get an initial assessment of available financing solutions

See your company's loan options. You get an instant answer without a credit check.

We have helped over 20 000 businesses

Vårt betyg är 4.7 av 5 baserat på 410 omdömen på Trustpilot.
As a hardworking and busy small business owner, it’s difficult to find the time to search for and negotiate the best loan terms. This is where Krea was a great help to me! They responded quickly, provided valuable advice, and were in no way pushy. I found the interaction very pleasant and rewarding.
Ann-Charlotte Thörnros
My advisor Andrea was very helpful. I had never taken out a loan before, but with Andrea's help, I felt secure throughout the entire process.
Kevin Mahir Toprak
I found the entire process smooth, clear, and fast. We arrived at a solution that suited us and had a transparent structure, and as mentioned, everything was quick and seamless.
Magnus
Everything from advice on application design to improved conditions by linking accounting! From application to disbursement took 5 days, of which I waited about 1.5 days before choosing an offer.
Renee Nilsson
Everything went so smoothly and well—no hassle at all, unlike how it usually is.
Andreas Eriksson
Through Krea, I secured adequate financing on smooth and flexible terms—plus, with minimal administrative effort.
Johan Berggren
Fast and excellent service! Good feedback, both via email and from customer service. Better than many similar companies! Highly recommended.
Hans Forsslund
Fantastic staff and support! They never give up and help you all the way.
Alexandra Johansson Wall
Fast and excellent service, friendly approach, and knowledgeable staff who support us entrepreneurs and assist when urgent purchases or long-term capital loans are needed. I highly recommend this and will handle all my future equipment and inventory capital loans through Krea.
Robin Anderberg
Thank you for the dedicated and well-handled process in finding the most suitable financing for my business.
B-O Torpestad
Krea is fantastic at finding solutions for their customers—fast and professional!
Sacho Grandin

Since 2018, we have helped more than 20 000 companies find better terms and take their business to the next level. Read more about Krea.

SEK 2.2 billion

mediated volume to Swedish companies

Small business owners trust us

Will Brand företagslån
Will Brand AB

Will Brand AB

  • Trade
  • Revenue: 5-10m
  • Loan: 0.5m

We are growing faster than expected, and our business webshop (www.willbrand.se) needed an uplift, while we also needed to prepay the production for two significant fall projects.

At Krea, it surprisingly works quickly, and you receive a pleasant and good treatment from their service personnel. The process was significantly smoother compared to the old-fashioned 'banking world'."

Pierre Gasslander, CEO

The Italian Cousins - Fotograf Mattias Hamren-5

The Italian Cousins

  • Restaurant
  • Revenue: 15-20m
  • Loan: 2-3m

We are embarking on a major expansion, opening two new restaurants. Krea's advisors helped us find the right financing, allowing us to focus on the expansion. It was time-efficient, and by having Krea compete with different banks, we also ensured favorable terms for the new financing.

Enrico Artoni, Founder

Saltö Marin finansiering
Saltö Marin AB

Saltö Marin AB

  • Real estate
  • Revenue: 10-15m
  • Loan: 5-10m

I found it to be a good way to compare different terms, especially now when major banks are not as interested. The process through Krea is significantly faster and saves time compared to going directly to the bank.

Mats Lindqvist, CEO

Ella - Portrait (Green)

Book an Appointment with an Advisor

Get an initial assessment of your opportunities. Book a free consultation with one of our advisors.

Common questions about business line of credit