Kompar

Kompar is a Swedish fintech company that simplifies business financing by allowing SMEs to compare offers from over 30 lenders through a single application. Founded in 2018, Kompar provides a digital platform that matches businesses with a wide range of financing options based on their specific needs, saving time and increasing access to competitive loan terms.

Overview of Kompar Business Loan Services

Kompar connects Swedish businesses with a broad selection of financing products, including business loans, credit lines, factoring, leasing, real estate financing, and business car loans. Their system uses one UC credit check and shares the application with multiple lenders, returning offers usually within 1–3 business days.

What Kompar Offers

• One single application shared with 30+ lenders
• Loan amounts from SEK 10,000 up to SEK 30 million
• Access to both unsecured and secured loans
• Wide product range: term loans, lines of credit, invoice financing, equipment and vehicle finance
• Free to use and no obligation to accept any offer

Pros:

• Broad access to the Swedish lending market
• Transparent offer comparison
• No need to apply multiple times
• Expert support for larger or complex loan needs

Cons:

• Loan terms vary by lender
• Approval time can differ based on provider
• Credit history may affect the number of offers received

Kompar is a strong choice for businesses looking to compare multiple financing solutions quickly and easily without committing to a single lender upfront.

What Services Does Kompar Offer?

Kompar serves as a loan broker platform—not a lender—giving businesses access to a wide selection of financing types through its network of 30+ Swedish lenders.

Kompar Loan Overview

Loan Type	Loan Amount	Interest Rate	Term Length	Payout Time	Credit Info	Payment Notes
Business Loan	SEK 10,000 – 30,000,000	Varies by lender	3 – 60 months	1–5 business days	UC credit check	Monthly installments
Business Line of Credit	Up to SEK 5,000,000	Monthly interest (varies)	Flexible	1–3 business days	UC credit check	Pay interest on used amount only
Factoring	Based on invoice value	Fee or interest per invoice	Until invoice due	1–2 business days	UC + invoice check	Deducted from invoice payment
Equipment Financing	SEK 100,000+	Structured via lender	12 – 60 months	1–7 business days	UC + equipment value	Monthly or quarterly payments
Vehicle Financing	Varies	Based on asset and lender	Up to 60 months	1–5 business days	UC + vehicle data	Monthly payments, usually secured
Real Estate Financing	SEK 1,000,000+	Case-based	Custom terms	1–10 business days	Full financial review	Typically requires collateral

Each offer comes from a specific lender with their own terms, making Kompar ideal for comparing different types of financing and choosing the best fit for your business goals.

What Requirements Does Kompar Have for Applicants?

Since Kompar works as a broker rather than a direct lender, the specific requirements vary depending on the financial institution making the offer. However, there are general minimum eligibility criteria that apply to most applicants.

General Requirements

• Swedish-registered business (Enskild firma, AB, HB, or KB)
• Minimum 6 months of operational history
• Annual turnover of at least SEK 250,000
• Credit check via UC
• Responsible signatory must apply
• No active bankruptcies or unpaid debt collections

Additional Notes

• For larger loan amounts or secured financing, financial statements or documentation of assets may be required
• Personal guarantees are often required for unsecured loans
• The number and quality of offers depend on credit rating, industry, and repayment ability

By submitting one application, you avoid multiple credit checks while giving Kompar’s network of lenders the data they need to assess your eligibility and offer personalized loan terms.

How Does Repayment Work With Kompar?

Because Kompar is a loan broker, repayment terms depend entirely on the lender whose offer you accept. However, the repayment structure generally follows these formats across loan types:

Business Loans

• Monthly installments: Repayment typically occurs through fixed monthly payments, combining principal and interest or fees.
• Duration: Loan terms usually range from 3 to 60 months.
• Payment method: Most lenders use direct debit from the company account to ensure on-time payments.

Credit Line

• Interest-only: You pay interest only on the drawn amount, not the total approved credit.
• Flexible repayment: You can repay and reuse the credit at any time within the active term.

Factoring, Leasing, and Other Loans

• Invoice financing: Repaid when the client pays the invoice—often automatically deducted.
• Leasing and equipment finance: Paid monthly or quarterly, often with fixed terms and end-of-contract buyout options.

Each offer includes full repayment terms upfront, making it easy to understand total cost and payment structure before accepting.

How Do You Apply for a Business Loan Through Kompar?

Applying through Kompar is straightforward and takes just a few minutes. The entire process is completed online, and there’s no obligation to accept any offer.

Step-by-Step Process:

1. Submit a single application – Provide company information, desired loan amount, and purpose.
2. UC credit check – Kompar runs one credit check and forwards your profile to relevant lenders.
3. Receive loan offers – Within 1–3 business days, multiple offers are sent to your dashboard.
4. Compare and select – Review terms such as interest rate, repayment period, and fees.
5. Sign digitally – Choose your offer and sign the agreement online with BankID.
6. Get funded – The selected lender transfers funds directly, typically within 1–5 business days.

Because only one credit check is performed, your credit score won’t be affected by comparing multiple offers—giving you full flexibility.

When Does Kompar Payout Business Loans?

Since Kompar is a loan broker, the payout timeline depends on the lender you select. However, most lenders in their network operate with fast processing times.

Here’s a general payout guide:

Application Signed On	Estimated Payout
Monday – Friday (before 14:00)	Same day or next business day
Monday – Friday (after 14:00)	Next business day
Saturday or Sunday	Processed Monday morning

For invoice financing and credit lines, payouts may occur faster—sometimes within hours—once your application is approved and terms are accepted.

Customer Service

Kompar offers professional support throughout the loan comparison process. While they do not provide financial advice, their team helps businesses understand offers and navigate the application process.

• Email support: Fast responses on weekdays
• Phone support: Available during Swedish office hours
• In-platform messaging: Direct communication through your Kompar dashboard
• Help center: FAQs and step-by-step guides on using the platform

Their support team is known for being responsive and helpful, especially for business owners navigating financing options for the first time.

Facts About Kompar

Company Name	Kompar Sverige AB
Address	Regeringsgatan 29, 111 53 Stockholm
Corporate Number	559177-9154
Homepage	www.kompar.se
Email	info@kompar.se
Phone	08-580 097 80

Kompar Sverige AB operates as a licensed loan broker in Sweden and collaborates with banks and alternative lenders to deliver fast, transparent, and competitive financing options for businesses.