OPR

OPR-Företagslån is a Swedish lender offering unsecured business loans and revolving credit to small businesses and sole traders. Their services are designed for speed, simplicity, and flexibility—helping companies handle short-term liquidity needs with a digital application process and rapid payout.

Overview of OPR Business Loan Services

OPR provides two core financial products for businesses in Sweden:

• Revolving Business Credit up to SEK 200,000, where you only pay interest on the amount you withdraw.
• Fixed-Term Business Loan up to SEK 1,000,000 with repayment terms ranging from 6 to 24 months.

Pros:

• No collateral required
• Fast online application and decision process
• Same-day payout for both loans and credit withdrawals
• Transparent pricing—either a fixed loan fee or clear interest rate

Cons:

• Personal guarantee required (one for smaller loans, two for larger amounts)
• Credit line carries relatively high monthly interest (5%) and withdrawal fee (3%)
• Loan amounts and terms are shorter than with traditional bank financing

OPR is best suited for small businesses, sole traders, and service providers who value quick access to funding without the need to pledge assets.

What Services Does OPR Offer?

OPR offers two main financing products designed to meet the short- and medium-term needs of Swedish businesses:

Loan Type	Loan Amount	Interest Rate / Fee	Term Length	Payout Time	Credit Info	Payment Notes
Fixed-Term Business Loan	SEK 30,000 – 1,000,000	Fixed fee based on risk profile	6 – 24 months	Same or next business day	UC credit check	Repaid in monthly installments
Revolving Business Credit	Up to SEK 200,000	5% monthly interest + 3% fee	Flexible (no end date)	Same day for withdrawals	UC credit check	Interest only on withdrawn amount

Both products are unsecured and include a required personal guarantee. The fixed-term loan suits planned investments, while the credit line is ideal for businesses that need flexible access to working capital.

What Requirements Does OPR Have for Applicants?

To qualify for a business loan or credit line from OPR, your company must meet several baseline criteria. These ensure the applicant has sufficient financial history and creditworthiness for unsecured financing.

Basic Requirements

• Swedish-registered business (e.g., AB or enskild firma)
• Minimum 6 months of operating history
• Annual turnover of at least SEK 500,000
• Clean credit history — no active payment defaults or bankruptcies
• Credit check via UC
• Personal guarantee required:
  • One guarantor for loans up to SEK 200,000
  • Two guarantors for loans above SEK 200,000

Additional Notes

• Applicants must be over 18 and have signatory rights for the business
• Financial documents or bank statements may be requested for verification
• Approval is subject to creditworthiness and current financial performance

OPR’s requirements are relatively accessible, especially for businesses looking for fast funding without collateral, but the need for a personal guarantee should be considered carefully.

How Does Repayment Work With OPR?

With both OPR’s fixed-term loan and revolving credit, repayment is structured to be transparent and predictable. Here’s how each option works:

Fixed‑Term Business Loan

• Monthly installments: You repay the principal and fixed fee in equal monthly payments over your chosen 6–24 month period.
• Fixed cost: The interest equivalent is included in a single upfront fee, so your total cost and monthly amount are known from day one.
• Automatic withdrawals: Monthly payments are deducted from your business account, removing the need for manual payments.

Revolving Business Credit

• Interest‑only: You only pay the agreed 5% monthly interest rate on the outstanding balance.
• Withdrawal fee: A one-time 3% fee applies each time you draw funds.
• Flexible use and repayment: Withdraw funds as needed and pay interest only on the used portion; repayments can be made at any time to reduce interest costs.

Early Repayment and Fees

OPR does not charge penalty fees for early repayment on their fixed-term loans or credit line. Any early payments reduce your outstanding balance and total cost. However, if you draw new funds after prepaying your credit line, standard interest and withdrawal fees still apply.

OPR emphasizes transparent and simple terms, making it easy for businesses to manage repayments without surprises.

How Do You Apply for a Business Loan from OPR?

The OPR application process is fast, fully online, and designed for simplicity. Businesses can apply in just a few minutes and receive a decision the same day.

Application Steps:

1. Select your product – Choose between business loan or business credit based on your needs.
2. Fill out the form – Provide company details, contact information, requested amount, and repayment term.
3. UC credit check – OPR performs a soft credit check through UC.
4. Upload documents (if requested) – Depending on the loan amount, you may need to provide bank statements or accounting data.
5. Receive an offer – If approved, you receive a tailored offer with full loan details.
6. Sign digitally – Confirm the loan agreement with BankID.
7. Payout – Funds are typically transferred the same business day.

The process is optimized for speed, with most users completing their application and receiving an answer in under 24 hours.

When Does OPR Pay Out Business Loans?

OPR is known for fast processing and same-day payouts. Once your loan or credit application is approved and signed via BankID, funds are typically disbursed the same business day.

Here’s a breakdown of expected payout times:

Application Signed On	Estimated Payout
Monday – Friday (before 15:00)	Same day (within hours)
Monday – Friday (after 15:00)	Next business day
Saturday or Sunday	Processed Monday morning

Note: Credit line withdrawals are also processed immediately during banking hours. Availability may depend on your business bank’s internal transfer schedules.

Customer Service

OPR offers professional customer support to guide applicants through the process and assist with any issues during the loan term. Their service is built for accessibility and speed.

Support Options:

• Phone support: Available during Swedish business hours on weekdays
• Email support: Fast response times, typically within 24 hours
• Online help resources: FAQs and loan calculators are available on their website

While OPR doesn’t provide personal loan advisors, their team can help with clarifying application steps, repayment details, and resolving account-related inquiries efficiently.

Facts About OPR

Company Name	OPR-Företagslån AB
Address	Sveavägen 24, 111 57 Stockholm, Sweden
Corporate Number	556975-1892
Homepage	www.opr.se
Email	info@opr.se
Phone	08-501 227 60

OPR is a Swedish lender specializing in fast and unsecured financing solutions for small businesses. They’ve operated in Sweden since 2014 and are part of the Finnish OPR Finance Group.