Business loan - Loans to businesses up to
Quick and easy application
No binding time
Payout within 24 hours
Quick comparison of business loans in Sweden
Looking for the best business loan in 2026?
Doing an accurate comparison of business loans is crucial to finding the right financing for your business.
The differences between different lenders can be great when it comes to interest, fees, repayment time and how quickly you get the money paid out.In this comparison of business loans in Sweden, we go through the most common options on the market.
You get a clear overview of terms, costs and payout times, so you can easily compare business loans and choose the best option for your business.
Qred Bank
SEB
Frodo
Handelsbanken
Margin
Time to apply
A few minutes
A few minutes
A few minutes
A few minutes
A few minutes
Time to message
Within an hour
Within 24 hours
Within 24 hours
1-2 banking days
A few banking days
Time to Payout
Direct Payout (Trustly)
Within 24 hours
Within 24 hours
A few banking days
2-4 business days
Fee model
Fixed monthly fee
Monthly Fee
Fixed monthly fee
Monthly cost
Interest+Fees
Minimum loan amount
50 000 kr
Individuellt
Individuellt
Individuellt
Individuellt
Maximum loan amount
5 million kr
1 million kr
5 million kr
1 million kr
5 million kr
Loan period
1-36 months
24-60 months
Up to 60 months
3-24 months
20-60 months
Early redemption
Free of charge
Varies
Free of charge
Possible
Possible
UC on private
no
May occur
no
Yes
Yes
UC at the company
Yes
Yes
Yes
Yes
Yes
Approves Startups
Yes
Varies
Restricted
Possible
Varies
Pause amortization
Yes (3 months)
Varies
Restricted
Possible
Varies
Binding time
none
Varies
Restricted
Possible
Varies
Best for
Fast and flexible financing
Alternative setup
For comparison and complement
Less loan amount
Longer maturity
*Updated 02-04-2026. Deviations may occur.
Applying for a loan to the company has never been easier
När du jämför företagslån är det viktigt att titta på helheten – inte bara en enskild faktor som ränta eller månadskostnad. Olika långivare erbjuder olika typer av upplägg, och det som är bäst för ett företag behöver inte vara rätt för ett annat. Genom att förstå skillnaderna i villkor, process och flexibilitet kan du fatta ett mer välgrundat beslut.
Viktiga saker att tänka på med företagslån från banker
Att förstå skillnaderna i villkor och process är viktigt när du jämför banklån för företag från mer traditionella banker.
Fördelar med företagslån hos banker
Banklån kan vara ett bra alternativ i vissa situationer, särskilt för etablerade företag. Här är några av fördelarna:
- Möjlighet till större lånebelopp
- Tillgång till flera banktjänster i samma lösning
- Passar företag med stark historik och kreditvärdighet
- Långsiktiga relationer med banken
Nackdelar med företagslån hos banker
För många småföretag finns det också tydliga nackdelar med traditionella banklån.
- Längre handläggningstid
- Mer administration och dokumentation
- Högre krav på säkerhet och historik
- Mindre flexibilitet
- Svårare att få godkänt för mindre eller nya företag
Hur banker bedömer företagslån
När du ansöker om företagslån hos en bank görs ofta en mer omfattande kreditbedömning. Vanliga faktorer är:
- Företagets ekonomiska historik
- Omsättning och kassaflöde
- Eventuella säkerheter
- Företagets bransch och risknivå
- Ägarens personliga ekonomi
Detta gör att processen ofta tar längre tid jämfört med digitala alternativ.
Hur står sig ALMI jämfört med banker?
ALMI är inte en traditionell bank utan erbjuder kompletterande finansiering till företag som har svårt att få lån via banker. Processen skiljer sig ofta från både banker och digitala långivare, och kan innebära längre handläggningstid och specifika krav.
Läs mer om Almi företagslån.
Läs mer om Almi företagslån.
Vill du ha ett snabbare och mer transparent alternativ? Ansök hos Qred och få svar inom en timme!
Ansök nu!Vilket passar ditt företag bäst?
Det bästa banklånet för företag är det som matchar ditt företags behov. Vissa banker erbjuder personliga möten och de allra flesta har en relativt lång ansökningsprocess. Här har vi sammanställt vilket alternativ som passar bäst beroende på vad du prioriterar.
Qred passar ofta bättre om du:
- Behöver snabb finansiering
- Vill ha en enkel ansökningsprocess
- Föredrar tydliga kostnader
- Vill ha flexibilitet utan bindningstid
- Driver ett mindre eller växande företag
Traditionella banker passar ofta bättre om du:
- Har en längre historik
- Behöver större lån
- Vill ha en helhetslösning med banktjänster
- Inte har bråttom med finansiering
Komplement
Många gånger kan en kombinationslösning mellan traditionella banker, ALMI och mer digitala och moderna alternativ som Qred vara den bästa.
Där man har en mer långsiktig lösning med sin husbank eller ALMI, medan Qred kan fungera som en snabb och flexibel finansieringspartner för säsongsbetonade tillfällen.
These are corporate loans from Qred Bank
Corporate loans from Qred Bank work exactly the way you want it to work. Fast, secure and easy — with no commitment time or hidden costs!
Välj Qred Bank om du vill ha en snabb, flexibel och helt digital process med direkt utbetalning. Med Qred får du dessutom alltid tillgång till 3 månaders amorteringsfrihet.
Välj en traditionell bank som SEB eller Swedbank om du föredrar personlig kontakt och kan vänta längre på besked.
Välj digitala alternativ som Froda eller Northmill om du vill ha en smidig onlineprocess men jämföra olika avgiftsmodeller.
What are business loans?
Advantages of business loans from Qred Bank
When to consider taking a business loan?
Requirements for applying for a business loan
A loan for your business that builds the future
You want to grow, we want to help you - it's that simple. That is why our business loan can be used for all kinds of needs. Here are some examples of how Qred Bank supports your big ambitions:
Both in terms of cost, flexibility and how quickly you can get the money paid out. Below you will find in-depth comparisons in which we go over the pros and cons of each option.
Business loan for your projects
We help you purchase materials or hire staff to help you realize your larger plans and projects.
Business loan for new investments
Future-proof your business by investing in new equipment, machinery or software — we all need an update from time to time.
Business loan for unexpected costs
It happens to all of us! Cover unexpected expenses such as repairs, tax collections or simply a slippage in your cash flow.
Företagslån hos Danske Bank
Danske Bank erbjuder företagslån som en del av sitt breda företagsbankserbjudande, ofta kopplat till helhetslösningar och rådgivning.
4.6 out of 5
Our Trustpilot reviews say it all. With Qred, you don't have to choose between speed and service. Discover why over 50,000 business owners have chosen Qred for flexible financing.
TrustScore is calculated based on all reviews on Trustpilot, taking into account authenticity, quantity and ratings. We encourage all customers to leave a review.
This is how we make the process safe and smooth — from the application to the money in the account!
BankID
We use BankID for quick, easy and secure identification and signing.
Trustly
We use Trustly for fast and secure transfers to your bank account.
Financial Supervisory Authority
Qred Bank AB is subject to the supervision of Finansinspektionen with a license to conduct banking operations.
Do you have questions?
Rushi, our Country Manager for Sweden, and his team have answered frequently asked questions here:
Which bank has the best business loans?
Qred Bank specializes in business loans for small business owners. Our corporate loans are adapted to be simple, fast and flexible, with loan amounts ranging from SEK 50,000 up to SEK 5 million. We offer loans without a binding period and with a payment period within 24 hours.
What does the bank look at when making business loans?
When Qred Bank reviews a business loan application, we primarily look at your company's finances and payment history. We make sure to assess the future ability of the company to pay in order to offer the best possible terms. We make an individual assessment for each business loan. The application process is fast and flexible to support small business owners in the best way.
What does it take to get a business loan?
Qred Bank specializes in business loans for small business owners. Our corporate loans are adapted to be simple, fast and flexible, with loan amounts ranging from SEK 50,000 up to SEK 5 million. We offer loans without a binding period and with a payment period within 24 hours.
How much can I borrow to the company?
At Qred Bank, you can borrow from SEK 50,000 up to SEK 5 million, depending on your company's needs and conditions. Our business loans are designed for small business owners and are flexible with a repayment period of up to 36 months. Whether your business is small or medium, we have customized loan amounts and terms for you. Learn more about our loan amounts and application process.
How do I apply for a business loan?
Applying for a business loan is easy and only takes a few minutes. In addition, it is free of charge. You can get started with 3 simple steps:
- Fill out the application (required amount, organization number, e-mail and mobile number). The application is free of charge and not binding.
- Send any supplementary information. Loan notices are usually given within 1 hour during normal business hours.
- You choose whether you want to proceed after you receive a loan notice. Once you have approved the loan with your BankID, the money is usually paid out within an hour.
Is it hard to get a business loan?
No, Qred Bank makes it easy and easy to get a business loan. We have a quick and easy application process, where we focus on helping small business owners grow. The application is made online, and you will be notified quickly. We do not have a commitment period on our loans, which makes our business loans flexible and accessible to many companies.
Contact us
We are here for you every weekday between 8:00 and 17:30.
