FAQ about 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.

Green Loan is a good option when you want to make an investment that reduces environmental impact while also developing your business.

The loan is particularly suitable for established companies that want to grow through investments in energy efficiency, renewable energy, circular solutions or other technologies that meet the criteria of the EU Taxonomy for sustainable investments.

With Green Loan, you receive financing that takes both business value and environmental value into account, as well as dialogue and advisory support to help ensure that your investment is relevant, profitable and sustainable in the long term.

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.

Green Loan can be used for sustainable investments that deliver environmental benefits and meet one or more of the EU’s environmental objectives under the EU Taxonomy.

Examples include installing solar panels, improving energy efficiency of equipment, replacing machinery with more energy-efficient alternatives, or installing charging stations for electric vehicles.

With 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.

Yes, Green Loan requires co-financing. Almi’s share of the financing is adapted to the company’s total capital need and may come from, for example, owners, external financiers or a bank.

In most cases, Almi finances around 30–50 percent of the total capital need. Depending on risk and assessed repayment capacity, the share may be lower or higher.

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.

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.

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.

You apply for Green Loan via Almi’s digital loan application service using BankID. After you submit your application, an advisor will contact you to review your green investment, how it meets the sustainability criteria, and which documentation is required to assess the application.

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.

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.

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.