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Yes, you can lease used or new machinery, vehicles, or equipment for your business.

When it comes to used machinery and equipment, it is important that the purchase price can be verified against similar transactions and is considered a market value by the leasing company. For example, it may be more challenging to lease a used excavator that is not from a well-known brand.

The longest term among our lenders is 5 years (60 months). Most proposals from our lenders are without binding periods, which means you can repay the loan early if you wish, typically without any additional costs. Therefore, it's generally better to apply for the maximum repayment term to minimize your monthly payments during the loan period.

Amortization of business loans can be straight-line or as an annuity, where interest and repayments are always the same amount. A business loan with a 5-year term means you would amortize 3 333 kronor on a loan of 200 000 kronor.

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. You can always specify who should be guarantors in your application.

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

Marginalen Bank, Froda, Svea Bank, Aros Kapital, Capcito, Capitalbox, Euro Finans, Fedelta, FundingPartner, Kameo, Mynt, OPR, Qred, Bizcap, Realkredit, 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.

Yes, in many cases, you can pay off the entire business loan in advance. In several cases, it is free of charge, and with some lenders, there may be a small fee for doing so.

This information is clearly stated when you receive your various business loan proposals.

Yes, having a few payment defaults is quite common for businesses.

Having payment defaults, whether for you or your company, may not be an obstacle to obtaining financing for your business. Having payment defaults does not necessarily mean that your company lacks future repayment ability.

Each lender makes an individual assessment of your company's repayment capacity, and loan proposals you receive may vary depending on the nature of these defaults.

Yes, however, only one UC is registered for your company and one UC for you if you are a guarantor.

Please note that lenders may conduct additional credit checks within the framework of loan brokering on behalf of Krea Technology AB, but these checks are NOT considered separate UC checks and do not affect your creditworthiness. This is because Krea has a partnership with UC that allows multiple lenders to access the same UC.

Lenders may sometimes obtain information from other institutions (e.g., via CreditSafe or Bisnode), but these do not impact the creditworthiness of the company or individuals listed.

A single UC does not significantly affect your company's creditworthiness. It is only if multiple UCs are taken within a short period that it may have a negative impact on creditworthiness.

Krea lets over 30 banks and lenders compete in business financing. The following entities have the potential to provide proposals for business leasing:

We collaborate with, among others, Nordic Finance, Marginalen Bank, Grenke Leasing,

In addition to business leasing, your company can also receive proposals for business loans, real estate loans, factoring, and/or business credit with the same application.

The following entities have the potential to provide proposals for other financing solutions: Froda, Aros Kapital, Capcito, Euro Finans, Fedelta, FundingPartner, Kameo, Mynt, Qred, Bizcap, Realkredit, Terox Finans, SBL Finans, Treyd, Ikano Bank, A.B.S Global Factoring, Invoier, Alfa Finans, Billecta, CapIQ, Finansia, FINQR, Svea Bank, OPR, Capitalbox, and Finly.

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

Unlike business loans, lease agreements are generally locked to the original repayment period.

However, if you sell or transfer the asset during the lease term, you can apply to transfer the lease agreement to the buyer. This process involves the leasing company approving the buyer as the new lease.