Financing with loans from Almi
Almi offers loans to businesses that want to grow and develop sustainably – regardless of industry or where you are in your business journey. We provide financing solutions suitable both for those just starting out and for those ready to take the next step in an established company.
Applying for financing can feel like a big step, but you don’t have to take it alone. We’re here to guide you – whether you’ve just started out or are ready to take the next step with an established business.
Almi’s loans are tailored to different needs and stages of the business journey, and together we’ll find the solution that suits you and your business best.
Our business loans
Loans and financingOur loans are designed to complement the market. This means we don’t compete with banks or private lenders – instead, we often collaborate with you and your bank.
You get more than just a loan
When you take out a loan with Almi, you also receive a sustainability dialogue and a financial review of your business – at no extra cost. Why?
Customers, partners and the planet are placing greater demands on businesses. Showing that you work with sustainability might be the very reason why customers choose your business.
By understanding the link between your profit and loss statement, balance sheet and cash flow, you gain better control of your profitability.
With greater insight into how different goals and actions impact your business finances, you can ensure the loan is used where it makes the most impact.
Good to know
Understanding loans at AlmiHere you’ll find key information about who can apply, how to prepare, and what the process looks like.
Frequently Asked Questions
LoanCan anyone apply for a loan from Almi?
Almi’s loans are available to small and medium-sized businesses across all industries in Sweden. Your company should have up to 250 employees and either an annual turnover not exceeding EUR 50 million or total assets of no more than EUR 43 million.
To be eligible, you also need to show that your full capital needs can’t be met through other sources, such as a bank – and that your business idea has potential for development and profitability.
Almi offers several types of loans that might suit me – do I need to apply for each one separately?
No, you only need to submit one application. Together with an advisor from Almi, you’ll go through your company’s specific needs. Based on that discussion, several different loan products may be considered depending on what suits your situation best.
How long does it take to get a decision?
Your application is processed by your regional Almi office. The processing time is usually around 3–4 weeks, provided that the application is complete from the start.
What interest rate do you offer on your loans?
Almi is a government-owned company with no profit motive, focusing on small and medium-sized enterprises. Our loans are designed to complement the market. This means we don’t compete with banks or private lenders – instead, we often collaborate with you and your bank.
Almi’s interest rate is based on the risk level of the loan. As a rule, our rates are around 2–3% higher than bank rates, since Almi typically provides the part of the financing that the bank is unwilling to cover.
Already have a loan with Almi?
You’ll find the most common questions and answers here.
How do I request a loan statement (engagemangsspecifikation)?
To request a loan statement, use our online service by clicking here. There you’ll find more information about the process and what details you need to provide.
The statement is sent by post and costs SEK 250.
Where can I find copies of my loan agreements or terms?
Almi’s Loan Administration can send copies of your loan agreements or terms by post.
To request copies, an authorised signatory with access to BankID must contact Loan Administration by phone at +46 (0)63-453 03 00, weekdays (excluding public holidays) between 09:30–12:00 and 13:00–16:00.
You can also view our general terms and conditions here (in swedish)
How do I apply for direct debit or update my existing direct debit details?
To apply for direct debit (autogiro) or change the details of an existing agreement, use our online service by clicking here (in Swedish).
There you’ll find more information about the process and what details you need to provide.
You can also contact us
Would you like to speak with one of our advisers about your business and explore the best solution for your situation?
Fill in the form below and we’ll get in touch shortly to book a time that suits you – either online or in person.
The meeting is completely free of charge, and there’s no obligation – just a step towards sustainable growth.