Get multiple offers on real estate loans
- Borrow up to 100 million SEK
- Offers within 2 days
- Application free of charge
Krea - when terms matter
By using our platform you increase your chances of getting the best terms. We summarize all costs to make sure that you are fully aware of how much each alternative costs.
You do not need to apply at 30 banks individually. We provide you with a quick overview of available financing solutions.
We help you to prepare the right documents for your request. Our financing experts support you in getting your request approved.
Financing for your needs
Real estate financing for your business - with better terms
Temporary capital needs
Standard loan period: 3-24 months
In addition to the senior loan
Loan-to-value ratio up to 80%
All types of property
Financing for real estate acquisitions
Financing for a planned acquisition
Acquisition of land, real estate, and businesses
Technology that saves you time
Easily build your financing profile. We collect a lot of information automatically from public data sources, so that you can get access to offers faster.
2We prepare your financing request
We ensure that your business is presented correctly for lenders.
Only one credit check is made on your company and provided guarantors.
You get offers from different banks and lenders.
Our system recommends the most relevant offers for your financing needs and business.
4Get paid without the hassle
You can complete additional data requests and sign the agreement within minutes.
Most of the time your company receives the funds within 2-5 days.
Sweden's most satisfied customers
Absolutely insane what a difference there is between traditional banks and this new way of borrowing money. The whole process went really smooth. Took a week in total. This is how easy it should be to get access to capital to grow your company.
The big banks are conspicuous by their absence for us small business owners! Luckily, brokers like Krea exist and can make our everyday life easier.
Simple and smooth! Good follow-up and service from Linus at Krea. It is not every day that you do something like this, and the presence of Linus was ensuring throughout the journey. Can really recommend Krea, if / when you as an entrepreneur need an extra boost for investments.
Fast and smooth service. We got our loan paid out quickly and the whole process took only a couple of days from application to money on the account. Really good!
Questions and answers
Krea exposes more than 30 banks and lenders to competition for business financing. The following actors have the opportunity to give you offers on financing on our platform.
Real estate loans
SBP Nordic, Kameo, Svea Bank, Froda, Aros Kapital, Corpia, DBT, Euro Finans, Froda, FundingPartner och IMH Finans.
Marginalen Bank, Froda, Svea Bank, Aros Kapital, Capcito, CapIQ, Capitalbox, Corpia, DBT, Euro Finans, Fedelta, FINQR, FundingPartner, Kameo, Leasio Finans AB, Mynt, OPR, Qred, SBL Finans, Svensk Företagsfinansiering och Treyd.
Ikano Bank, A.B.S Global Factoring, Svea Bank, Invoier, Alfa Finans, Billecta, Capcito, CapIQ, Euro Finans, Finansia och FINQR.
We cooperate with Nordic Finance and Marginalen Bank, among others.
For larger financing solutions, Krea collaborates with all relevant banks and lenders, including most larger banks, for example Nordea and SEB.
To apply for financing with Krea you are required to have signing rights for the company. That means that you need to have a leading role in the company, such as a CEO or board member. The company also has to be registered and active in Sweden.
Should you not have signing rights but have an economic or other role in the company, you can always contact our customer service, email@example.com for assistance with your application.
Private individuals cannot apply and neither can shell corporations, shelf corporations or branch companies.
Limited companies ("aktiebolag"), sole proprietorships ("enskild firma"), general partnerships ("handelsbolag") and limited partnerships ("kommanditbolag") can apply for financing.
For large real estate loans, the borrower may have to take two loans, a first-mortgage loan and a second-mortgage loan. The first-mortgage accounts for the largest part of the capital (eg 80% of the loan amount) and has the property as collateral for the loan. The second-mortgage loan finances the remaining part of the loan (the amount that exceeds the first-mortgage loan). The second-mortgage loan is usually secured in the property as well, but since it is the property is collateral for the first-mortgage loan, the second-mortgage loan generally has a higher interest rate to account for the increased risk.
In general, a real estate loan works just like a business loan. The difference between the two is that a real estate loan often involves larger loan amounts and that large real estate assets acts as collaterals for the loan.
The funds received from a real estate loan are not obligated to finance a property acquisition. They can be used for other real estate related projects, such as the renovation of an existing property, the construction of a new building, or simply because the company needs an addition of extra capital in the business.
A real estate loan can be used for most types of property, eg:
- Office space
- Industrial properties
- Commercial real estate
- Land acquisition
- Agriculture & forestry property
In real estate financing, there are larger requirements for documentation compared to regular business finance. Therefore, remember to include a repayment plan, project calculation and a property valuation in your application. A proper business plan enhances the opportunity to receive offers with good terms for your company and can therefore be valuable to include in your application.
There are a number of benefits when investing in real estate. Historically, the return on properties has been stable, and above the average for other financial assets (such as shares), while the risk has been significantly lower. Investing in real estate can also be seen as a protection against inflation, as the value of real estate properties often increases due to increased rental income, while capital generally decreases in value.
Many companies has real estate as their main business. For example, companies can buy and renovate properties or invest in apartment buildings and mediate rental apartments. This means that a property financing can be used for both rental properties, commercial properties, holiday homes, condominiums and more.
At Krea, you can compare real estate finance completely free of charge. For every mediated application through Krea, we receive a commission from the lender. This means that there will be no extra cost for you as an applicant, as the lender carries the cost.
To apply for a business loan is non-binding and we do not receive any payments until you have found a business loan and received the payout on your account. We are on your side in the negotiations until your business has found the right loan.
At Krea, you can apply for real estate financing between SEK 1-100 million. It is usually possible to borrow up to 85% of the property's value.
A credit check is registered on the company you are applying for, as well as for each personal guarantor you state in your application.
If only one credit check is made, the creditworthiness of the guarantor or your company is not affected.
However, if multiple requests are made during a short period, it can affect the guarantor's or company's creditworthiness. Our lenders take part of the same report that was issued by Krea, and do not make their own. This ensures that your business is not negatively affected by multiple credit checks.
We recommend you to include as much relevant information as possible when you are creating your application.
The more relevant information that the lenders receive, the more accurate the risk assessment they can make, which facilitates for them to provide the best offers.
Examples of information that is interesting for lenders are:
- Balance sheet and income statement for the last 12 months.
- Additional collateral in the form of, for example, a property mortgage.
- That you state at least one guarantor. You can state yourself or another person(s).
- Budget, here you can find a template for creating a budget.
- Property valuation.
Yes, many of our lenders offer different types of repayment plans, of which bullet amortization is one of them.