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Export Loan
A loan for companies that want to grow internationally.
What is Export Loan?
Export Loan is a loan from Almi that helps companies invest in international markets. It complements the overall financing solution and is often used together with bank financing.
Export Loan can also be combined with guarantees from the Swedish Export Credit Agency (EKN) when you need to finance deals or investments linked to export.
What can I use Export Loan for?
Export Loan can be used for initiatives that enable your company to establish or strengthen its presence in international markets.
For example:
- investments
- production capacity
- inventory build-up
- customer financing
- other financing needed to launch and grow your export operations
How much can I borrow with an Export Loan?
There is no fixed upper limit for Export Loan. The loan amount is determined based on your company’s financing needs, the viability of the project, the competence of the management team and your company’s repayment capacity.
Is co-financing required for Export Loan from Almi?
Yes, Export Loan normally requires co-financing. Almi’s share of the financing is adapted to the company’s total capital need and the level of risk involved in the export initiative. Co-financing may come from, for example, a bank, owners or other external financiers.
Almi often complements the part of the financing that banks or other actors are unable to provide, making export initiatives possible even when the overall risk is higher.
In most cases, Almi finances between 30 and 50 percent of the capital need. Depending on risk and assessed repayment capacity, the share may be lower or higher.
You get more than just a loan
When you take out an Export Loan, you don’t just get financing — you also get dialogue around your company’s finances, priorities and long-term development.
Customers, businesses and the planet are placing higher demands on companies. Being able to demonstrate your sustainability efforts may be the reason customers choose your company over others.
Understanding how your income statement and balance sheet are connected — and how they affect cash flow — makes it easier to stay in control of your profitability.
With a clearer understanding of how different goals and actions impact your company’s finances, you can ensure that the loan is used where it creates the most value.
Frequently asked questions about Export Loan
Who can apply for Export Loan from Almi?
You can apply for Export Loan if you run a company registered in Sweden and want to grow internationally. The loan is aimed at small and medium-sized enterprises with ambitions to enter new markets.
What collateral is required for Export Loan from Almi?
Export Loan is usually secured with a business mortgage and a limited personal guarantee. The collateral is adapted to your company’s situation and the nature of the project. Your advisor will review what is reasonable based on your application.
How does the interest rate work for Export Loan from Almi?
The interest rate for Export Loan is set individually, based on the level of risk in your company and the portion of the investment financed by Almi.
In many cases, Almi’s participation is a prerequisite for a bank or another financier to take part in the deal. By complementing the financing and taking on higher risk, Almi helps enable investments that might otherwise not be possible. This is also why Almi’s interest rates are normally around 2–3 percentage points higher than those of banks.
What is the repayment period for Export Loan from Almi?
Export Loan normally has a repayment period of approximately 2–5 years, adapted to what you are financing and your company’s ability to repay the loan. Your advisor will help you set up a repayment plan that fits your company’s situation.
What documentation do I need to apply for Export Loan from Almi?
The required documentation depends on your company’s situation and what you plan to finance. Common documentation includes a business plan, budget, forecasts for the export project, information about market and strategy, and financial documentation such as annual financial statements or budgets. Your advisor will guide you on what is required.
How long is the processing time for Export Loan from Almi?
Processing time is normally around 3–4 weeks from the moment the application is complete and all required documentation has been submitted. It may take slightly longer if additional information is needed.
Can I combine Export Loan with other financing solutions?
Yes, Export Loan is often combined with other financing solutions. For example, you can use bank loans, equity or other loan products alongside Export Loan to cover your company’s total capital need for international expansion.