Krea
Utmärkt 4.7 / 5
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Equipment Finance | We Help You Find the Best Deal

  • Get price quotes for leasing, machine loans, and rentals with a single application

  • Better terms | We let most lenders compete

  • Save time | Our advisers find the right agreement for you

The service is free of charge.How come?
Utmärkt 4.7 / 5
329 omdömen

Financial solutions for machine purchases

Similar to a normal business loan

  • Up to 5-year terms

  • Financing for the entire amount

  • Normally requires a personal guarantee

Lease at a fixed monthly cost

  • Up to 10-year terms

  • Residual value, depending on the machine, between 10%-50%

  • Extend the contract, buy or sell the item after the contract period

Service and insurance included in the monthly cost

  • Up to 10-year terms

  • Usually without residual value after the contract period

  • Insurance and service included in the monthly cost

Get financing with better terms

We let up to 30 banks and other lenders compete for your business

Selection of our banks and other lenders

DBT - Logo
Qred - Foretagslan - SVG - Logo
Svea - Foretagslan - Logo
Marginalen Bank - Logo
Froda företagslån
Capcito - Foretagslan - Logo

We let most banks compete for your business

Best terms guaranteed

Villkorsgaranti-Foretagslan

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

How?

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 - Foretagsradgivare

Ella Almstedt

Advisor

ella.almstedt@krea.se
Kim Sundgren - Foretagsradgivare

Kim Sundgren

Head of Advisory

kim.sundgren@krea.se

Get an initial assessment of available financing solutions

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

Financing with Krea in three simple steps

1
Choose machine or car
Foretagslan - Process - Step 1

Choose machine or car

You decide the object and with which supplier.

Which objects can I finance?
2
Tell us about your company and your financing needs
Foretagslan - Process - Step 2

Tell us about your company and your financing needs

Create your application yourself or book a free appointment with one of our advisors.

How long does it take?
3
Select offer
business loan- Process - Step 5

Select offer

Sign the agreement and receive the item from the supplier. You can get the funds disbursed within 1-10 days or upon the delivery date.

Common questions when financing machines

The difference between borrowing, leasing and renting equipment

The difference between borrowing, leasing and renting equipment

Ownership of the object

The biggest difference between leasing or borrowing is that ownership in leasing stays with the leasing company. This means that you generally have less flexibility to sell the machine. The situation is similar to where you rent an apartment instead of buying it. Do you want to own the object during the entire term? In that case, a business loan is the right financial solution for your company.

The monthly cost

The monthly cost of leasing is usually lower compared to equipment loans or rent. It is lower because you generally do not finance the entire amount upfront. Instead, you can buy the object at the residual value at the end of the agreement. Do you want the lowest possible monthly cost? In that case, leasing is usually the right solution.

Service and insurance

Operational leases offer similar benefits to leasing and add additional services, such as repair service and insurance.

The monthly cost might be higher. To compare costs fairly, you need to see what insurance and repair would cost elsewhere. Are you looking for a holistic solution with the least possible administration? In that case, operational leasing is an option you should look at.

We have helped over 20 000 businesses

Vårt betyg är 4.7 av 5 baserat på 329 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

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

Small business owners trust us

We have made dreams possible and helped with challenges
Fabrik lån bygga
Svenska Takelement AB

Svenska Takelement AB

  • Construction

We have recently built a factory where we will manufacture ceiling elements and have just started production. We needed to add liquid funds that we will use for the purchase of materials to be able to take the production further and meet existing orders that we have. So we needed a fairly quick and flexible solution, which you could help us with.

Matilda Wener Petersen, Financial Manager

henry-co-180108-unsplash 1.jpg

BTB Tak och Bygg AB

  • Construction

We first applied to our bank, but it took far too long and it was incredibly complicated. We looked around for alternatives and found Krea. They seemed serious and aimed at entrepreneurs, so I thought I'd give it a try.

Our need was that a supplier to us had experienced delays, which in turn led to us not being able to invoice our customers, and that we had a month with many outstanding claims that had not been paid yet.

We were in urgent need of liquidity this month and Krea solved it perfectly! Highly recommended.

Ander Holmberger, CEO

Företagslån-hammarstrandsbygg.jpeg
Hammarstrands Bygg

Hammarstrands Bygg

  • Construction

Finished one contract at the same time as we had the start-up of three new ones, which meant that we ended up in a situation where we needed capital to maintain liquidity.

At Krea I got in good contact with the lenders and it went much faster than at my bank. Convenient when you have a lot to do and don't have a lot of time to spend on other things.

Joakim Nilsson, CEO

Collateral and requirements for equipment financing

Collateral for machine financing

In order to offer good terms, some lenders require additional collateral in addition to the machine itself.

When leasing equipment, the leasing company can require additional security in the form of a personal guarantee. In the case of business loans, other collateral, such as a business mortgage, can also be relevant if you are looking to finance larger machines.

Documentation requirements

In order for lenders to be able to assess the company's ability to repay, it is usually good to add the most recent accounting statements. In addition, a price quote or link to the object is required to get offers from leasing companies, while it is fine to apply without any documents for an equipment loan.

Truck

Formal requirements to get machine financing

1

You need to know which item you want to purchase.

2

You must have a Swedish BankID.

3

The company must be registered and active in Sweden.

4

The company should have been active for at least three months.

5

The company must have a certain company type (Limited company, Sole Proprietorship or Partnership/Trading company).

Common questions about equipment loans

Common questions about equipment leasing