Vanliga frågor och svar om lån från Almi

A declined application means that Almi cannot approve a loan based on your company’s current situation. In our lending, we must always ensure that the credit matches both your needs and your ability to repay. A decline also means that you cannot be granted another type of loan from Almi instead.

The decision cannot be appealed. However, we can often provide guidance on what you can develop or strengthen in order to move towards future financing.

The processing time is normally around 3–4 weeks, provided that the application is complete. If documentation is missing, it may take longer. All applications are handled by your regional Almi office, which will contact you if anything needs to be supplemented.

No, you only submit one application. Together with the adviser, you review your needs and determine which loan or loans are most suitable. You don’t need to apply for multiple products or resubmit your application if another loan type turns out to be a better fit.

Almi’s credit assessment is based on your company’s ability to repay and its future potential.

The adviser reviews the company’s current situation, finances, business model and future plans. The assessment is not only based on figures – potential, market conditions and your goals are also taken into account.

For a loan to be approved, there must be a reasonable likelihood that the company can repay the loan, and the loan must always match both your needs and the company’s repayment capacity.