Utmärkt 4.6 / 5

Business line of credit

  • Better terms | let up to 30 lenders compete

  • Save time | we do the work for you

The service is free of charge.How come?
Utmärkt 4.6 / 5
267 omdömen

How is a business line of credit different from other financing solutions?

A business line of credit is a type of loan where the company can withdraw money on an ongoing basis, use it for the business, repay freely and then withdraw money again when needed. It is one of several flexible options on the financing market today.

How does a business line of credit work?

The easiest way to think of business credit is that it is like a business loan that can be automatically renewed. You can withdraw money from the credit limit several times a year, which makes it well suited to cover unexpected costs. Many companies also use the company credit as a safety buffer to ensure liquidity during peak season.

Business credit vs. overdraft for companies

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 investments, for example new employees.

Business credit vs. Business loans

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 cards

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.

Get business credit with better terms with Krea

Up to 30 banks are exposed to competition

Selection of our banks and lenders. Up to 30 banks are exposed to competition

Svea - Foretagslan - Logo
DBT - Logo
Froda företagslån
Capcito - Foretagslan - Logo

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

Business credit with guaranteed terms

Business credit with guaranteed terms

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


How we save time for you

Krea does the hard work for you throughout the entire process

You get a dedicated 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 advisory team

Ella Almstedt


Kim Sundgren

Head of Advisory

Get an initial assessment of your possibilities

or call us on 08-551 082 62

What are the benefits of a business credit?

If you are the owner of a growing business and want some flexibility, a business credit is usually a suitable solution.

Business credits are not only a good solution for short-term liquidity, or as a safety buffer. The credit is also very flexible, fast and can help your business grow. Here we go through the main pros and cons of business loans.

What interest rate is common for a business line?

Corporate loans from major banks usually have a premium over the central bank rate of 6%. This means that the interest rate on business credits currently starts at around 10% per year. Some lenders offer more flexible solutions that are often only used for a short time and in these cases the interest rate is set monthly and is around 1-3% per month.



Available when you need it


More suitable for "fluctuations" in operating cash flow


No cost to pay back


Pay only for what you use

Your company also saves time on new applications

By applying and having a limit on business credit, you save time on new applications in the future. Therefore, many entrepreneurs have a business loan that acts more as a safety buffer in case a need arises.

» Apply for business credit (when you apply for a business loan, you also receive proposals for business credit)



Usually more expensive than a business loan


A personal guarantee is usually required for the entire amount in the case of business credit


The limit is usually lower compared to a regular loan to the company

About business credit for businesses

About business credit for businesses

How much does a business credit cost?

A business credit usually has an arrangement fee and 2 different interest charges: fixed annual fee (contractual interest rate) and interest on the utilized credit amount (disposition interest). Some banks and lenders, on the other hand, have chosen not to include a set-up fee linked to the business credit.

  • Contract interest is the fixed fee for the maximum credit amount for which the company has been approved. In other words, the fee increases the higher the maximum amount that you have been granted.
  • Disposition interest is the interest for the actual utilized credit amount. This is often fixed, but can also be variable with some banks and lenders.

As with other forms of financing, the interest rate that you are offered by the bank or lender largely depends on your company's creditworthiness.

Business credit with/without personal guarantees

Most often, traditional and niche banks require a business mortgage as collateral. The company then pledges movable assets, such as accounts receivable and inventory as collateral. Usually, a personal guarantee is required when applying for a business credit. The more collateral you add, the more favorable interest rate you can usually be offered.

Business credit in three steps

Tell us about your company and your financing needs
Tell us about your company and your financing needs

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?
We optimize your application
We optimize your application

We optimize your application

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

We help you choose the best proposal
We help you choose the best proposal

We help you choose the best proposal

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

Since 2018 Krea has supported 20 000 business owners to find financing with better terms and take their business to the next stage. Read more about Krea.

SEK 1.7 billions

brokered volume for Swedish businesses

We have helped over 20,000 business owners

Vårt betyg är 4.6 av 5 baserat på 267 omdömen på Trustpilot
Everything went so smoothly and well, no hassle at all as it always usually is otherwise.
Andreas Eriksson
Highly recommend! Ella helped me all the way. Great service
Sabrina Touma
It was a quick process and it was easy to get in touch with advisers who gave good advice.
Mike - Båstads Camping
Everything from advice on the design of the application plus better conditions with the help of linking bookkeeping! From application to payment took 5 days, of which I waited approximately 1.5 days before choosing an offer.
Renee Nilsson
Very nice easy to talk to and quickly understood the situation very well
Hikmet Salihu
I received incredibly good, concrete help from Krea and Linus Retsloff, who showed various possibilities for the company to borrow and how Krea works today with a number of important players also within EU loans.
Fredrika Berghult
Fast and good service! Good feedback, both via Mail and from customer service. Better than many similar companies! Can really be recommended.
Hans Forsslund
Easy to navigate site, with many good suggestions and nice customer service. Good feedback
Andreas Kullinger
Thank you for your dedicated and good handling of my search for the most suitable financing for my business.
B-O Torpestad
Professional treatment. Good follow up. Can definitely recommend Krea
Andrea Larsdotter
Great service Knowledgeable staff Helped us in the best way
Thomas Gustafsson

Small businesses trust us

We have made dreams possible and helped with challenges
Will Brand AB

Will Brand AB

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

We are growing faster than we expected and our webshop for companies needed a boost at the same time as we needed to prepay the production of two large autumn projects.

At Krea, it works surprisingly quickly and you get nice and good treatment from their service staff. The process was much smoother compared to the old fashioned "banking world".

Pierre Gasslander, CEO

The Italian Cousins

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

We are starting a major expansion where we will open two new restaurants. Krea's advisors helped us find the right financing, while we could focus on the expansion. It was time-efficient and by Krea exposing different banks to competition, we also secured good terms for the new financing.

Enrico Artoni, Founder

Saltö Marin AB

Saltö Marin AB

  • Real estate loan
  • Turnover: 10-15m
  • Loan: 5-10m

I think it was a good way to compare different conditions, especially now that the big banks are not as interested. The process via Krea is significantly faster and saves time compared to going directly to the bank.

Mats Lindqvist, CEO

Kim - Portrait (Green)

Do you want to get an estimate of how much you can borrow first?

You can see your company's credit capacity through our loan indicator.
You will receive an answer immediately, without credit check.

Questions & answers about business line of credit