Krea

Krea is a Sweden-based digital financing marketplace that helps small and medium-sized enterprises (SMEs) access a wide range of funding options—from business loans and credit lines to factoring, equipment leasing, property financing, and car loans. Founded in 2018, Krea collaborates with over 30 banks and lenders to offer competitive and transparent financing through one central application.

Their platform allows businesses to receive multiple tailored loan offers from different lenders by submitting just one request, making it easier to compare rates, terms, and repayment options without commitment.

Overview of Krea Business Loan Services

Krea is not a lender itself but acts as an intermediary that connects Swedish businesses with suitable financing partners. Through their service, you can:

• Complete a single online application and receive multiple loan offers
• Access funding from SEK 10,000 to 30 million, depending on business profile
• Compare various loan types including unsecured and secured business loans, credit facilities, factoring, and leasing
• Get fast offers, often within 3–5 working days, using just one credit check

Pros:

• Large lender network—more than 30 banks and credit institutions
• Clear comparisons based on costs, repayment terms, and flexibility
• Dedicated loan advisors available for complex or high-volume financing
• No binding commitment or negative credit impact from initial comparison

Cons:

• Approval time and payout speed vary depending on the lender
• Requirements and loan terms are set by each partner lender
• No fixed interest rate—terms depend entirely on offers you receive

Krea is particularly suitable for businesses that want to save time and get the best possible loan conditions by comparing multiple lenders through one platform.

What Services Does Krea Offer?

Krea offers access to a broad selection of business financing solutions through its lender network. Instead of issuing loans directly, Krea compares offers from banks and financial institutions and presents them to the applicant.

Krea Loan Overview

Loan Type	Loan Amount	Interest Rate	Term Length	Payout Time	Credit Info	Payment Notes
Unsecured Business Loan	10,000 – 5,000,000 SEK	Varies by lender (avg. ~5–15%)	3 – 60 months	1–5 business days	Credit check via UC	No collateral required
Secured Business Loan	100,000 – 30,000,000 SEK	Often lower rates	6 – 240 months	2–10 business days	Collateral & UC required	Backed by assets (real estate, etc.)
Business Credit Line	50,000 – 2,000,000 SEK	Monthly fee or interest	Ongoing	1–3 business days	Credit check via UC	Pay interest only on used amount
Factoring (Invoice Sale)	Based on invoice value	Discount per invoice	Up to 90 days	Often same day	Invoice verification	Krea’s partners buy your receivables
Equipment Financing	50,000 – 10,000,000 SEK	Varies by supplier/lender	12 – 72 months	3–7 business days	Asset-based	For vehicles, machines, hardware
Real Estate Financing	1,000,000 – 30,000,000 SEK	Custom terms	Up to 25 years	5–10 business days	Collateral required	For commercial properties
Car Financing	100,000 – 2,000,000 SEK	Varies	12 – 84 months	2–5 business days	Credit check & vehicle info	For company cars

Krea acts as a one-stop platform to compare multiple financing types depending on business size, need, and creditworthiness.

What Requirements Does Krea Have for Applicants?

Since Krea works with a wide network of lenders, the exact requirements vary depending on the loan type and the selected lender. However, all applicants must meet several baseline criteria to qualify for an offer through the Krea platform.

General Requirements:

• Registered Swedish business (AB, enskild firma, HB accepted)
• At least 6 months of operating history
• Minimum annual turnover: usually SEK 300,000 or more
• Company representative must be 18+ years old
• Credit check via UC is required for most loan types
• Swedish business bank account

Additional Notes:

• For secured loans or high amounts, collateral such as property or vehicles may be required
• Startups with less than 6 months of activity may be eligible for limited offers or may need to apply via personal credit
• Some lenders may request recent bank statements, annual reports, or tax documents

Krea makes it easy to apply by collecting all necessary documents through a digital process and matching the applicant with lenders that accept their specific profile.

How Does Repayment Work With Krea?

Since Krea acts as a broker rather than a direct lender, repayment terms depend on the lender you choose. However, Krea ensures that all repayment plans are clearly outlined in the loan offers you receive.

Common repayment structures:

• Monthly installments that include both principal and interest
• Fixed or variable interest rates, depending on lender terms
• Automatic withdrawals from your business bank account
• Flexible durations, typically from 3 months up to 25 years for secured loans
• Early repayment is usually possible, but terms vary—some lenders offer interest rebates on early settlements

Each offer provided through Krea includes a complete repayment schedule, total loan cost, and any applicable fees. You’ll have the opportunity to compare and select the plan that best fits your company’s cash flow and financial strategy.

How Do You Apply for a Business Loan Through Krea?

The application process with Krea is simple, fast, and entirely digital. You submit one application, and Krea matches you with suitable lenders based on your business profile.

Step-by-step:

1. Complete the online form – Enter your company’s basic information, desired loan amount, and repayment term.
2. Consent to a credit check – A single UC check is performed and shared with all matched lenders.
3. Upload documents – Provide recent bank statements, income reports, or other requested documentation.
4. Receive loan offers – Within 1–3 business days, Krea presents multiple offers tailored to your business.
5. Compare and select – Review loan terms, costs, and repayment plans before accepting the best match.
6. Sign and receive payout – Once you accept an offer, payout is handled directly by the chosen lender—often within 1–5 business days.

Krea’s platform is designed to minimize paperwork and maximize transparency, helping businesses save time and find competitive financing.

When Does Krea Payout Business Loans?

Krea itself does not pay out funds; the lender you choose handles the disbursement. However, once you sign the loan agreement, most lenders transfer the funds within 1 to 5 business days—often faster for unsecured loans or invoice financing.

Here’s a general overview of expected payout timing:

Day of Agreement	Estimated Payout Time
Monday – Friday	1 to 5 business days
Saturday	Processed from Monday onward
Sunday	Processed from Monday onward

Note: Real estate loans or secured financing may take longer due to additional verification steps. Krea notifies you when the lender confirms payout, and most transactions are deposited directly to your business account.

Customer Service

Krea offers responsive and knowledgeable customer support tailored to business owners navigating the loan comparison process. Their team is available to answer questions before, during, and after the application.

Support Options:

• Phone Support – Available on weekdays during Swedish business hours
• Email Support – Replies typically within 24 hours
• Live Chat – Accessible on their website for quick questions
• Dedicated advisor – Provided for larger or more complex financing needs

Krea’s support team can help you understand loan terms, compare offers, and clarify documentation requirements. They’re especially helpful if your business doesn’t meet standard criteria or if you want guidance on choosing between multiple offers.

Facts About Krea

Company Name	Krea Företagsfinansiering Sverige AB
Address	Malmskillnadsgatan 32, 111 51 Stockholm
Corporate Number	559155-2994
Homepage	www.krea.se
Email	support@krea.se
Phone	08-551 082 10

Krea is a Swedish fintech company focused on improving SME access to financing by digitizing the loan application and comparison process.