Growth Loan

– for innovative businesses

What is the Growth Loan?

Almi’s Growth Loan is a complement to your overall financing solution, aimed at innovative small and medium-sized enterprises.

What can the loan be used for?

The purpose of the Growth Loan is to enable innovative businesses to further develop innovations and business ideas that lead to sustainable growth and profitability.
The loan can be used for investments, working capital or business acquisitions.

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?

To stay relevant in the future

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.

To improve profitability

By understanding the link between your profit and loss statement, balance sheet and cash flow, you gain better control of your profitability.

To help you prioritise wisely

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.

Apply for a loan

Multiple loan types – one application

If you have a clear financing need, go ahead and fill out a loan application! If you’d like to speak with us first, fill in the form at the bottom of the page – we’ll get in touch shortly. Apply for a loan (form in Swedish) >>

Growth Loan – key facts

Target group: Innovative small and medium-sized limited companies that are growing or about to enter a growth phase.

Maximum amount: SEK 10 million.

The size of the loan is based on Almi’s financial assessment of the business idea’s viability, the competence of the management team, and the company’s repayment ability.

Term: Minimum 12 months, maximum 84 months.

Security: Usually a business mortgage and a limited personal guarantee.

Financing level: Almi’s share of financing is adapted to the company’s total loan requirement, taking other co-financing into account.

Co-financing can come from owners, private individuals, banks or other external financiers.

Typically, Almi finances 30–50 percent of the total capital need.

Grön växande stapelgraf av blad – symbol för hållbar tillväxt med hjälp av Almis tillväxtlån.

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.