Microloan

– for smaller capital needs

What is the Microloan?

The purpose of Almi’s Microloan is to give your business the opportunity to establish itself and grow.

It is primarily aimed at those starting a microenterprise or running a young business in its early stages.

What can the loan be used for?

The Microloan can be used for investments and working capital.

We don’t set any formal restrictions on how the loan must be used – we listen to your company’s specific needs and circumstances.

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) >>

Microloan – key facts

Target group: Microenterprises and sole traders in Sweden – i.e. businesses with a maximum of nine employees and an annual turnover or balance sheet total of less than EUR 2 million – that have difficulty accessing credit.

Maximum amount: SEK 250,000

Term: Minimum 4 months, maximum 72 months

Security: Only a personal guarantee of 10%

Financing level: Up to 100%

A close-up of Swedish banknotes and a calculator – Almi’s microloans help small ideas grow big.

Favourable terms

Thanks to a guarantee from the European Investment Fund, we’re able to offer Microloans with more favourable terms than Almi’s other loans. This includes:

longer repayment periods
an initial grace period (no repayments)
lower interest rates

Almi is a government-owned company with no profit motive, focused on supporting small and medium-sized businesses. Our loans are designed to complement the market. That means we don’t compete with banks or private lenders – instead, we often work together with you and your bank.

Funded by the European Union

Financing through Microloans is granted with support from the European Union under the InvestEU Fund. InvestEU was established to support the EU’s policy goals by contributing to competitiveness, growth, employment and sustainability.