Finding the best business loan in 2025 is more crucial than ever for Swedish entrepreneurs. With an uncertain economy, rising interest rates, and increased operational costs, companies need access to financing that is fast, flexible, and reliable.
We have reviewed seven of the most popular lenders in Sweden – Financed Sweden AB, OPR, Almi, Froda, Krea, Qred, and Aros Kapital – to help you compare business loans and choose the right option for your company’s needs.
Whether you run a café in Malmö, a construction company in Umeå, or an e-commerce store in Stockholm, a small business loan can give you the power to grow. Business loans are used for hiring staff, investing in equipment, covering seasonal cash flow gaps, or expanding operations.
"Thanks to the loan from Froda, we managed to expand during the recession. It wasn’t just money – it was hope and a future."
– Sofia, restaurant owner in Gothenburg
Financed Sweden AB has quickly become a favorite among Swedish SMEs. They offer loans of up to 5 million SEK with payout within 24 hours, making them ideal for businesses with urgent needs.
Flexibility: High – tailored repayment plans
Interest rate: From around 7% (individual assessment)
Personal guarantee: Often required
Payout time: Within 1 day
Rating: ⭐️⭐️⭐️⭐️⭐️
"We were impressed by how fast the process was. From application to money in the account – less than 24 hours."
– Ahmed, store owner in Malmö
OPR offers loans up to 1.5 million SEK with minimal paperwork. They primarily target small businesses and sole traders.
Flexibility: Medium – fixed repayment schedule
Interest rate: Relatively high (starting around 19%)
Personal guarantee: Required
Payout time: 1–2 business days
Rating: ⭐️⭐️⭐️⭐️
"The interest rate was higher than we had hoped, but worth it to get capital quickly."
– Daniel, hair salon owner in Sundsvall
Almi, owned by the Swedish government, provides loans to businesses that struggle to get financing through traditional banks. It’s a great choice for growth-focused companies.
Flexibility: High – often combined with advisory services
Interest rate: Between 4–9%
Personal guarantee: Depends on the business model
Payout time: 2–4 weeks
Rating: ⭐️⭐️⭐️⭐️⭐️
"With Almi’s support, we bought a new machine and tripled our production capacity."
– Jonas, manufacturer in Värmland
Froda is a fintech lender with automated credit assessment. They offer loans with fixed daily repayments and same-day payouts.
Flexibility: High – transparent model
Interest rate: From around 0.9% per month
Personal guarantee: Not required for limited companies
Payout time: Same day
Rating: ⭐️⭐️⭐️⭐️⭐️
"Froda helped us instantly. Everything was handled digitally, no paperwork at all."
– Linda, e-commerce entrepreneur in Norrköping
Krea is not a lender but a comparison platform – perfect if you want to compare business loans and secure the best deal.
Flexibility: Extremely high – choose from multiple offers
Interest rate: From around 5% depending on creditworthiness
Personal guarantee: Varies between lenders
Payout time: Usually within 1–3 days
Rating: ⭐️⭐️⭐️⭐️⭐️
"We got four offers the same day. We picked the cheapest and saved thousands."
– Erik, consultant in Stockholm
Qred is a great choice for new companies. They offer loans up to 2 million SEK with no UC credit check and very fast payouts.
Flexibility: High
Interest rate: Fixed monthly fee instead of traditional interest
Personal guarantee: Not required
Payout time: Within 24 hours
Rating: ⭐️⭐️⭐️⭐️
"We didn’t think we’d get approved as a start-up, but Qred said yes – and helped us move forward."
– Anna, flower shop owner in Luleå
Aros Kapital offers business loans to limited companies with a strong track record, up to 5 million SEK.
Flexibility: Medium – stricter requirements
Interest rate: From around 6%
Personal guarantee: Often required
Payout time: 2–3 business days
Rating: ⭐️⭐️⭐️⭐️
"A stable partner that didn’t just look at numbers – they listened to our vision."
– Mattias, industrial business owner in Skåne
Finding the best business loan means knowing your company’s priorities – is it speed, low interest rate on business loans, flexibility, or the option to borrow without collateral?
???? Want to compare business loans? – Start with Krea
???? Need funds urgently? – Choose Froda, Financed Sweden AB, or Qred
???? Growing and need guidance? – Apply to Almi
???? Prefer simple, digital handling? – Go with Froda or Qred
No matter which option you choose, a business loan can give you the boost you need to expand, hire, or survive challenging times. Many Swedish entrepreneurs have already taken the step – now it’s your turn.
Apply today and take control of your company’s future.