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Financing for the retail industry

Get multiple offers on business loans and factoring
  • Service free of charge
  • Offers within 2 days
  • More than 2 500 satisfied retail customers
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4.6 / 5
159 reviews

Financing in the retail industry

Worsened payment terms

For many small and medium-sized retailers, payment terms have deteriorated. In addition, it is becoming more common for suppliers abroad to require advance payments, which can be a challenge for many companies. If your business has a fluctuating liquidity requisite, you can easily access capital through Krea.

New sales channels and e-commerce

The transition towards e-commerce and digital platforms has changed both the customer journey as well as the actors' position on the market. New sales channels require investments in both digital platforms and new processes. Krea helps both traditional retailers and new e-commerce players to gain access to capital for continued growth.

Increased sustainable demands

The increased societal demands for sustainability require major adjustments for the retail industry. New investments will be required, and the need for external financing might increase.

Tailored financing solutions for retail businesses

Up to 4 million SEK

  • We collaborate with the most lenders

  • Free of charge and non-binding

  • Offers within 2 days

Invoice Discounting

  • Receive up to 99% of the invoice value

  • Free of charge and non-binding

  • Offers within 2 days

Financing up to 30 million SEK

  • Tailored financing solutions

  • We negotiate with banks on your behalf

  • Offers within 5 days

Why Krea?

Better terms

We let multiple lenders compete for your application so that you can get the best possible terms.


Manage the whole process digitally or receive customised help from one of our advisors.

Flexible liquidity

Get easy access to liquidity before your next purchase e.g. for inventory.

We have helped thousands of retail companies

Mullsjö Alpin AB

We saw a decline at the end of the season due to the Corona crisis and needed to improve cash flow. Received an offer for a business loan from Krea where the application was smooth and easy and the whole process went faster than at my primary bank. It is now possible to keep up the liquidity and invest in the next season.

Erik Michael Lorenz Lindberg
SMX Sports Göteborg AB

Good tool that helps companies grow, good that you get offers from several lenders and when you need faster financing.

Henrik Lindström

Sweden's most satisfied customers

4.6 / 5
159 reviews

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