100,000 SEK Business loan

A 100,000 SEK business loan can give your company the capital boost needed to seize new opportunities or solve immediate financial challenges. Whether you’re launching a project, upgrading equipment, or bridging cash flow gaps, this amount can make a measurable difference without overextending your debt load.

We help you compare options and find the loan that fits your business best.

What Can You Use a 100,000 SEK Business Loan For?

A 100,000 SEK business loan offers enough flexibility to cover a wide range of business needs without requiring large-scale financing. Many Swedish entrepreneurs use this loan size to some of the following.

• Cover operational expenses such as rent, salaries, and utilities during slow periods.
• Invest in equipment or technology that can increase efficiency and competitiveness.
• Expand operations by launching new products, opening a new location, or increasing marketing efforts.
• Manage seasonal fluctuations and maintain stable cash flow throughout the year.

By targeting specific purposes, this loan size can deliver measurable impact while keeping repayment obligations manageable.

Types of 100,000 SEK Business Loans in Sweden

Entrepreneurs in Sweden can access a 100,000 SEK business loan through several financing channels, each with its own advantages and trade-offs.

Loan Type	Approval Speed	Typical Interest Rate	Repayment Terms	Best For
Traditional Bank Loan	1–4 weeks	Low–Medium	1–5 years	Established businesses with strong credit
Online Business Loan	24–72 hours	Medium–High	6–36 months	Quick access to funds
Credit Line	1–2 weeks	Variable	Flexible	Ongoing cash flow needs
Government-Backed Loan	2–6 weeks	Low	1–10 years	Startups and growth-oriented companies

Traditional bank loans often offer lower interest rates and longer repayment terms, but they require strong creditworthiness and a detailed application process.
Online business loans provide faster approval and payout, sometimes within 24 hours, but usually come with higher interest rates.
Credit lines give flexible access to funds up to an agreed limit, allowing you to borrow only what you need and pay interest accordingly.
Government-backed loans, such as those from Almi, may offer favorable terms for startups and growth-focused businesses, but typically involve more documentation and eligibility checks.

Choosing the right loan type depends on your business goals, repayment capacity, and how quickly you need the funds.

Eligibility Criteria for a 100,000 SEK Business Loan

Securing a 100,000 SEK business loan in Sweden requires meeting specific lender requirements. These criteria help determine your creditworthiness, repayment ability, and overall suitability for financing. Understanding them in detail can increase your chances of approval and help you target the right lenders.

Key eligibility criteria

• Business age
• Annual turnover
• Creditworthiness
• Financial documentation

Business Age

Most Swedish lenders require that your business has been operating for at least 6–12 months. This allows them to assess your stability and market presence. Established businesses are more likely to secure favorable terms, while startups may face stricter requirements or need to apply for government-backed loans like those offered by Almi. Some online lenders are more flexible and may approve loans for younger businesses, but often at higher interest rates.

Annual Turnover

Lenders typically set a minimum revenue threshold to ensure you can handle repayment obligations. For a 100,000 SEK loan, this minimum is often 200,000–500,000 SEK annually.

A higher turnover not only increases approval chances but can also unlock better interest rates and repayment terms. Seasonal businesses may need to provide additional proof of consistent income over time.

Creditworthiness

Both business credit score and, in some cases, personal credit score play a role in the decision-making process. Lenders use these scores to assess repayment risk. A strong credit history can lead to lower interest rates, while poor credit may limit your options to higher-cost loans or require collateral. Some alternative lenders consider broader factors like customer contracts or recurring revenue instead of relying solely on credit scores.

Financial Documentation

Expect to provide recent financial statements, including balance sheets, income statements, and cash flow reports. These documents help lenders verify your revenue, expenses, and profitability.

Online lenders might require fewer documents, sometimes relying only on bank account access for verification, while traditional banks demand more comprehensive records. Having well-prepared and accurate financials can significantly speed up the approval process.

Interest Rates and Repayment Terms

The cost of a 100,000 SEK business loan in Sweden depends heavily on the interest rate and repayment structure. Understanding these factors ensures you choose a loan that matches your business’s financial capacity and growth plans.

Average Interest Rate Ranges

For a 100,000 SEK business loan, traditional bank rates often fall between 4% and 8% annually, depending on your credit profile and loan term.

Online lenders may range from 8% to 20%, reflecting faster approvals and higher risk acceptance. Government-backed loans can sometimes offer lower-than-market rates for qualifying businesses.

Fixed vs. Variable Interest Rates

A fixed rate keeps your interest unchanged for the entire loan term, making repayment amounts predictable. This is ideal for businesses needing stability in budgeting.

A variable rate may start lower but can fluctuate based on market conditions, potentially increasing or lowering your monthly payments. Variable rates carry more risk but can be beneficial if market rates drop.

Typical Repayment Periods

Repayment terms for 100,000 SEK loans generally range from 6 months to 5 years. Shorter terms mean higher monthly payments but less total interest paid, while longer terms reduce the monthly burden but increase total interest costs.

Total Loan Cost Impact

Even small interest rate differences can have a significant impact on the total repayment amount. The table below shows example total costs for a 100,000 SEK loan over 36 months at different fixed interest rates:

Interest Rate (Fixed)	Monthly Payment (SEK)	Total Interest Paid (SEK)	Total Repayment (SEK)
4%	2,952	6,268	106,268
6%	3,042	9,512	109,512
8%	3,133	12,776	112,776
12%	3,321	19,556	119,556

How to Apply for a 100,000 SEK Business Loan

Applying for a 100,000 SEK business loan in Sweden requires preparation and a clear understanding of lender expectations. A well-prepared application can speed up approval and improve your chances of securing favorable terms.

Key steps in the application process

1. Prepare a business plan and budget
2. Gather required documentation
3. Choose the right lender
4. Submit and follow up on your application

1. Prepare a Business Plan and Budget

Lenders want to see how you intend to use the loan and how it will contribute to your business’s growth. A concise business plan should outline your objectives, market position, and revenue projections.

A budget showing how the loan will be allocated, whether for equipment, marketing, or working capital—demonstrates financial planning and responsible borrowing.

2. Gather Required Documentation

Typical documents include financial statements, tax returns, and proof of identity for company owners. Some lenders may require bank statements and information on existing debts. Online lenders may need less paperwork, while banks and government-backed institutions often require more detailed records.

3. Choose the Right Lender

Compare interest rates, repayment terms, and approval times. Banks may offer better rates but slower processing, while online lenders provide speed at a higher cost. Government-backed lenders like Almi can be suitable for startups and growth projects, offering flexible terms and advisory support.

4. Submit and Follow Up

Once submitted, monitor your application’s progress and respond promptly to requests for additional information. Being responsive can shorten approval times and help you secure funding faster.

Pros and Cons of Taking a 100,000 SEK Business Loan

A 100,000 SEK business loan can be a powerful tool for growth, but it’s important to weigh the benefits against the potential drawbacks before committing.

Advantages

• Access to growth capital – Enables investments in equipment, marketing, or expansion without draining existing cash reserves.
• Improved cash flow – Helps cover operational expenses during slow seasons or when awaiting customer payments.
• Business credit building – Timely repayments can strengthen your credit profile, improving future borrowing terms.
• Potential tax benefits – In Sweden, interest payments on business loans are generally tax-deductible, reducing the net cost of borrowing.

Disadvantages

• Interest costs – Even with competitive rates, borrowing always adds to your expenses.
• Debt obligations – Regular repayments reduce available cash for other needs, and missed payments can harm your credit rating.
• Collateral requirements – Some lenders may require personal guarantees or business assets as security.
• Risk of overleveraging – Taking on too much debt relative to revenue can strain operations and limit flexibility.

Evaluating both sides helps ensure the loan supports your long-term goals without creating unnecessary financial pressure.

Example Loan Calculation for 100,000 SEK

Understanding how repayment works in practice can help you plan your finances more effectively. The table below shows example monthly payments and total costs for a 100,000 SEK loan over different terms and interest rates, assuming fixed-rate repayment.

Loan Term	Interest Rate	Monthly Payment (SEK)	Total Interest Paid (SEK)	Total Repayment (SEK)
12 months	6%	8,611	3,329	103,329
24 months	6%	4,436	6,464	106,464
36 months	6%	3,042	9,512	109,512
36 months	10%	3,227	16,172	116,172
48 months	6%	2,348	12,708	112,708

These examples highlight how longer repayment terms reduce the monthly payment but increase the total interest cost. Choosing the right balance between affordability and total cost is key to making the loan sustainable for your business.