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Hero - Fastighetslån

Find the right real estate loan

  • Up to SEK 100 million

  • Better term | We let most lenders compete

  • Save time | Our advisers find the right loan for your property

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

What options are there to finance real estate?

A property loan means that the borrower pledges a property, which acts as security for the loan.

How much leverage can you get?

The leverage ratio for real estate projects can be described in the form of LTV (loan-to-value) or LTC (loan-to-cost) for new construction builds. Maximum LTV is usually around 60-80%. And for new constructions, the company can borrow up to 90% of its costs.

What interest rate is common for real estate loans?

Property loans usually have a premium over the central bank interest rate of 6-8%. This means that the interest rate on property loans is currently around 10-12% p.a.

Below we list different types of financing solutions for real estate loans and for what purpose they are usually relevant.

Fastighetslån alternativ

Bridge loan company | Common terms and conditions:

Normal loan period: 3-24 months

Flexible amortization

Is suitable if your company has a temporary capital need and wants to avoid ongoing repayments.

Junior business loan | Common terms and conditions:

Loan-to-value ratio: 60 - 80% (loan-to-value)

Normal loan period: 24-60 months

Is suitable if your company has needs beyond a traditional bank loan. It is most often used to carry out a renovation on the property.

Building credit | Common terms and conditions:

Interest is only paid on the amount used

Loan-to-value ratio: 60 - 90% (Loan-to-cost)

Loans for new construction, major remodeling or an extension to a property. It is usually required that you as a property owner have finalized a few previous projects before.

Acquisition loan | Common terms and conditions:

Financing already at the time of acquisition

Loan-to-value ratio: 0 - 80% (Loan-to-value)

Used by companies when acquiring land, property or during a company transfer. The advantage compared to a down loan from the big bank is that you can get real estate financing already at the time of acquisition.

Business loan for property

Instead of a real estate loan, a regular business loan can also be a good alternative for acquisitions, renovations and similar smaller projects. There are limited to no differences between a business loan and a real estate loan.

Get better terms for your next real estate project

Expose banks and other lenders to competition

Selection of banks and other lenders we work with.

Svea - Foretagslan - Logo
DBT - Logo
Froda företagslån
Lender Fundingpartner

We let most banks and lenders compete.

Property loan with guaranteed terms


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


See the monthly cost of your next real estate project

To help your company calculate your budget and cash flow for the property, or to compare different property loans, we have created this simple property loan calculator. Our calculator is based on assumptions for both interest and amortization rates. You can customize these according to your needs. As an independent financing service, we help our customers find the real estate loan that offers them the best possible terms.

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.

Real estate loan 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 an 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
business loan- Process - Step 5

We help you choose the best proposal

Sign the agreement and get the money paid out. Usually within 2-10 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

Entrepreneurs trust us

We have made dreams possible and helped with challenges
Fastighet lån finansiering
Frabotta - Boform Fastighetsutveckling AB

Frabotta - Boform Fastighetsutveckling AB

  • Refinancing
  • Loan: 12M

"Our adviser managed to conjure up financing for us via Krea. As our previous lender abruptly said they would not extend our credit, it required some pretty quick pucks. We had a great connection with Krea, no weirdness at all and it didn't take long at all before we were able to resolve the credit. Our advisor was very helpful, I highly recommend Krea and have done so to others."

Arvin Jelveh, Owner

Saltö Marin finansiering

Saltö Marin AB

  • Renovation
  • Turnover: 5-10M
  • Loan: 6M

"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 goes much faster and saves time compared to going directly to the bank."

Mats Lindqvist, CEO

Fabrik lån bygga
Svenska Takelement AB

Svenska Takelement AB

  • Real Estate loan
  • Loan: 1M

"We have just built a factory where we will manufacture roof 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 continue production and meet existing orders that we have. So needed a fairly quick and flexible solution, which you could help us with."

Matilda Wener Petersen, CFO

What is required to get a real estate loan?

Companies can pledge real estate, shares, and provide a personal or parent company guarantee as security. Although entrepreneurs prefer to avoid the risk of collateral and personal guarantees, the chances of getting a property loan granted increase if they are included in the application. It can also lead to better loan terms.

Since real estate loans generally involve larger amounts than traditional business loans, more extensive documentation is usually required.

Below we list some formal requirements for real estate financing.

Fastighetslån krav

Common requirements for the company and documentation ​


The company must be registered and active in Sweden


The company must have a certain corporate form. We are currently unable to help with loans for condominium associations.


A current valuation or value statement of the property


It is always required to have a specific property object that you want to acquire or give as a property pledge (i.e. property designation must be specified)


In the case of complex transactions, liquidity plans or project estimates with timetables and costs are also needed

Questions and answers