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Företagskredit - Hero

Business line of credit - find the right solution

  • Better terms | let up to 30 lenders compete

  • Save time | we do the work for you

The service is free of charge.How come?
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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.

The Italian Cousins - Fotograf Mattias Hamren-5

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


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


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

Kim Sundgren - Foretagsradgivare

Kim Sundgren

Head of Advisory

Get an initial assessment of available financing solutions

See your company’s credit limit. You get an answer immediately, without a credit check.

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.

Will Brand - finansiering



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


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
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?
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.

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.

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 1.7 billion

mediated volume to Swedish companies

We have helped over 20 000 businesses

Vårt betyg är 4.7 av 5 baserat på 331 omdömen på Trustpilot.
Everything went smoothly and well, no hassle at all, unlike the usual complications.
Andreas Eriksson
Strongly recommend! Ella helped me all the way. Great service
Sabrina Touma
The processing was quick, and it was easy to get in touch with advisors who provided excellent guidance.
Mike - Båstads Camping
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
Very pleasant, easy to talk to, and quickly understood the situation very well
Hikmet Salihu
I received incredibly good, concrete assistance from Krea and Linus Retsloff, who demonstrated various possibilities for the company to borrow and how Krea currently collaborates with several key players, including EU loans.
Fredrika Berghult
Fast and excellent service! Good feedback, both via email and from customer service. Better than many similar companies! Highly recommended.
Hans Forsslund
Easy-to-navigate site, with many good suggestions and friendly customer service. Good feedback
Andreas Kullinger
Thanks for an engaged and well-handled process in my search for the most suitable financing for my company.
B-O Torpestad
Professional treatment. Good follow-up. Can definitely recommend Krea
Andrea Larsdotter
Great service Knowledgeable staff Assisted us in the best way
Thomas Gustafsson

Small business owners trust us

We have made dreams possible and helped with challenges
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 ( 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

Kim - Portrait (Green)

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The service is free of charge.How come?
<p data-block-key="rakk5">Krea is compensated by banks and lenders on our platform. This compensation will not impact how and where offers appear for you. We always recommend the best offers to you. By sharing your application with multiple lenders we make sure that you receive the best offer for business loans in the market.</p>

Common questions about business line of credit