CapitalBox

CapitalBox is a digital-first lender specializing in fast and flexible financing for small and medium-sized businesses in Sweden. They offer business loans ranging from SEK 20,000 to 5 million with repayment terms of up to 48 months. The application process is entirely online, and approval decisions are often made within one working day.

Overview of CapitalBox Business Loan

CapitalBox provides both unsecured loans and newly introduced secured business loans, giving businesses access to higher amounts with asset-backed lending. They also offer additional products such as credit lines, invoice purchasing, and refinancing solutions tailored to companies with varying cash flow needs.

Pros:

• Fast application and decision (typically within 24 hours)
• Payout usually within one business day after approval
• No collateral required for standard loans
• Broad selection of financing solutions including credit lines and invoice funding
• Secured loans available for larger financing needs

Cons:

• Interest rates tend to be relatively high (commonly between 16%–30% APR)
• Setup fee of up to 2.5% of the loan amount
• Requires a personal credit check via UC, which may not suit all applicants

What Services Does CapitalBox Offer?

CapitalBox offers a wide range of business financing solutions tailored to small and medium-sized enterprises in Sweden. Their product portfolio includes unsecured business loans, secured business loans, credit lines, refinancing options, and invoice purchasing.

CapitalBox Loan Overview

Loan Type	Loan Amount	Interest Rate	Term Length	Payout Time	Credit Info	Payment Notes
Unsecured Business Loan	20,000 – 2,000,000 SEK	From ~1.3% monthly	6 – 24 months	Within 24 hours	Credit check via UC	Personal guarantee required
Secured Business Loan	500,000 – 5,000,000 SEK	Custom (lower rates)	Up to 48 months	1–3 business days	Requires collateral	Property or asset-backed
Revolving Credit Line	Up to 2,000,000 SEK	Variable, monthly fee	Ongoing	Within 24 hours	Credit check via UC	Pay only on used balance
Refinancing	Based on existing debt	Depends on case	Flexible	1–3 business days	Credit and loan history	May combine multiple loans
Invoice Purchase	Flexible per invoice	Discount fee per invoice	Up to 90 days	Often same day	Invoice verification	CapitalBox buys the receivable

These services allow Swedish businesses to choose the financing model that best suits their current need — whether for working capital, larger investments, or smoothing cash flow gaps.

What Requirements Does CapitalBox Have for Applicants?

To qualify for a business loan from CapitalBox, your company must meet several minimum criteria. These ensure that the applicant has a stable business foundation and the ability to repay the loan.

Here are the typical requirements:

• Registered business in Sweden (AB, HB, enskild firma accepted)
• Minimum 6 months of operating history
• Minimum annual turnover of SEK 500,000
• Company representative must be at least 18 years old
• Clean payment history – no recent defaults or unpaid debt
• Personal credit check via UC
• Personal guarantee required (for unsecured loans)
• For secured loans: asset documentation and valuation may be required

While CapitalBox is flexible compared to traditional banks, they still assess both business and personal financial data to evaluate risk. Startups and sole traders may be asked for additional documentation such as a budget or tax return.

How Does Repayment Work With CapitalBox?

Repayment for CapitalBox business loans is structured as monthly installments over the agreed loan term. Each payment includes both principal and interest, based on a fixed monthly rate agreed upon at the time of signing.

Key points about repayment:

• Fixed monthly payments – predictable amounts that simplify budgeting
• Automatic debiting – payments are withdrawn from your business account each month
• Loan terms range from 6 to 24 months for unsecured loans, and up to 48 months for secured loans
• Early repayment is possible — you can settle your loan before the end of the term without penalty, though you should always confirm the terms with CapitalBox directly
• Missed payments may incur late fees and affect your credit standing

The exact repayment schedule is outlined in your loan agreement, including total cost and payment dates. You’ll receive a clear breakdown before signing.

How Do You Apply for a Business Loan From CapitalBox?

The application process with CapitalBox is fully online and typically takes just a few minutes to complete. Here’s how it works:

1. Start the application on CapitalBox’s website by selecting your desired loan amount and term.
2. Fill in company details, including your organisation number and business type (AB, enskild firma, etc.).
3. Upload required documents, such as recent bank statements or annual reports (depending on the loan type).
4. Consent to a credit check — this will be done via UC for Swedish applicants.
5. Submit the application and wait for a decision, usually within 1 working day.

If approved, you’ll receive a tailored offer. Once you review and sign the agreement digitally, the payout process begins immediately. For most loans, funding is sent out within 24 hours after signing.

When Does CapitalBox Pay Out Business Loans?

CapitalBox is known for fast payouts, typically within 24 hours after the loan agreement is signed. For most unsecured loans, the money is transferred on the same or next business day. Secured loans may take slightly longer due to asset verification.

Below is a general overview of CapitalBox’s payout timing

Day of Approval & Signing	Estimated Payout Time
Monday – Friday	Within 24 hours (same or next day)
Saturday	Processed on Monday
Sunday	Processed on Monday

Actual payout times may vary depending on your bank’s processing hours and whether additional documentation is needed. CapitalBox will notify you as soon as the funds are transferred.

Customer Service

CapitalBox offers customer support in Swedish and English for both new applicants and existing customers. Their team can assist with loan inquiries, application status, repayment questions, and documentation requirements.

Support Options:

• Phone Support – Speak directly with an advisor during business hours
• Email Support – Responses typically within one business day
• Online Contact Form – Available via their website for general inquiries
• No live chat currently offered

Customer service is available Monday to Friday during standard office hours. Their team is familiar with the needs of SMEs and aims to provide fast, helpful responses throughout the loan process.

Facts About CapitalBox

Company Name	CapitalBox AB
Address	Skeppsbron 20, 111 30 Stockholm
Corporate Number	556933-0960
Homepage	www.capitalbox.se
Email	support@capitalbox.se
Phone	08-4030 9970

CapitalBox is part of the Multitude Group and operates in several European countries, focusing on fast, digital business financing for SMEs.