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Green Loan
A loan for companies that want to invest in the green transition and sustainable development.
What is Green Loan?
Green Loan is a loan from Almi that helps small and medium-sized enterprises finance initiatives that contribute to the green transition and environmental benefits. This may include investments in energy efficiency, solar panels, circular solutions or other technologies that reduce climate impact.
The loan is designed to give small and medium-sized enterprises the right conditions to grow sustainably. When companies transition and grow with a focus on environmental benefit, it contributes to innovation, new jobs and a more resilient Swedish business sector.
What can I use Green Loan for?
Green Loan can be used for sustainable investments that contribute to environmental benefits and meet one or more of the EU’s environmental objectives under the EU Taxonomy.
For example:
- installing solar panels
- improving energy efficiency of equipment
- replacing machinery with more energy-efficient alternatives
- installing charging stations for electric vehicles
How much can I borrow with a Green Loan?
With a Green Loan, you can borrow up to SEK 20 million. The exact amount is determined based on your company’s needs, the viability of the project and your repayment capacity.
Is co-financing required for Green Loan from Almi?
Yes, Green Loan requires co-financing from, for example, a bank, owners or other external financiers.
In most cases, Almi finances between 30 and 50 percent of the capital need. Depending on the risk and the assessed repayment capacity, the share may be lower or higher.
Favourable conditions
Thanks to a guarantee from the European Investment Fund, the Green Loan comes with more beneficial terms compared to Almi’s standard loans.
This includes:
- Longer loan term
- Initial grace period (no repayments)
- Lower interest rate
Almi is a government-owned organisation with no profit interest of its own, focusing entirely on small and medium-sized enterprises.
Our loans are complementary to the market. This means we don’t compete with banks or private financiers – instead, we often work in partnership with you and your bank.
Funded by the European Union
Financing through the Green Loan is granted with support from the European Union under the InvestEU Fund.
InvestEU was established to support the EU’s policy goals, including competitiveness, growth, employment, and sustainability.
You get more than just a loan
When you take out a Green 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 Green Loan
Who can apply for Green Loan from Almi?
You can apply for Green Loan if you run a company registered in Sweden with up to 250 employees, and if the investment meets at least one of the sustainability criteria linked to the EU Taxonomy for environmentally sustainable investments.
Your advisor will help assess whether your investment meets the requirements.
What collateral is required for Green Loan from Almi?
Green Loan is normally 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.
How does the interest rate work for Green Loan from Almi?
The interest rate for Green Loan is set individually based on the risk of the project and your repayment capacity. Thanks to a guarantee from the European Investment Fund, Green Loan can in many cases be offered on more favourable terms than other loans, for example through lower interest rates or longer repayment periods.
What is the repayment period for Green Loan from Almi?
The repayment period for Green Loan ranges from a minimum of 12 months up to 120 months (10 years). The appropriate term is determined based on the purpose of the project and your company’s conditions.
What documentation do I need to apply for Green Loan from Almi?
To assess your application, you need to describe the investments you are planning, how they contribute to sustainability and what impact they are expected to have. Documentation related to finances, plans and budgets may also be required. Your advisor will guide you on what is needed.
How long is the processing time for Green Loan from Almi?
Processing time may vary depending on the complexity of the project and whether all documentation is complete, but it is normally around 3–4 weeks from the moment the application is complete. Your advisor will contact you if additional information is required.
Can I combine Green Loan with other financing solutions?
Yes, you can combine Green Loan with other financing solutions such as bank loans, equity or investors. Combining financing sources can be a good way to cover the full capital need for your green investment.