Investment loans to enterprises

What is an investment loan?

Investment loans are a financing solution that helps companies make major investments needed to expand operations, improve productivity or take advantage of new business opportunities. These loans are often used to finance long-term investments such as the purchase of equipment, vehicles, real estate, or the modernization of production processes. For many businesses, an investment loan is a key to continued growth and long-term success.

An investment loan can be particularly useful when the company faces major capital expenditure that cannot be covered by existing cash flow or short-term credit. Borrowing for capital expenditure allows the company to spread the cost over several years, reducing the impact on cash flow and making it easier to manage the company's finances. This allows companies to undertake important projects that might otherwise have been impossible.

At Qred Bank, we offer investment loans from SEK 10,000 up to SEK 5 million with flexible repayment terms, enabling businesses to get the funding they need to achieve their goals. The application process is simple and fast, allowing businesses to access capital within a short time. We don't require collateral for the loans, which means entrepreneurs don't have to worry about pledging their assets.

The benefits of an investment loan are many. It gives companies access to capital to carry out growth-driving projects, without jeopardizing their liquidity. In addition, investment loans can contribute to increased competitiveness by enabling companies to modernize and streamline their operations, adapt to market demands and explore new business areas.

In conclusion, investment loans are an important tool for businesses that want to grow and develop. With support from Qred Bank, businesses can seize new opportunities and build a solid foundation for future success.

Why does the company need to invest?

Traditionally, a distinction has been made between investing and spending, where investing provides lasting future value, while spending is often seen as wasteful. An investment is expected to produce a future return in the form of higher turnover, reduced costs and/or higher profits. Sometimes, an investment can be a matter of pure survival for the company.

What should I consider when investing?

You should first think about the benefits of the proposed investment. What can your company achieve with the investment, compared to not investing. After that, make your investment calculation. It's easier than it sounds. It's a small calculation that shows how much more you'll earn and what return you'll get if you make the investment than if you don't make the investment.

For example, if your company invests 100,000 SEK which results in a profit of 25,000 SEK per year, the pay-back period is 4 years. The lower the pay-back, the better the investment. It is therefore important to calculate the costs using, for example, a loan calculator.

What can an investment loan be used for?

Only you know what your company needs to invest in to survive in the future. Some examples of uses are

• Investment in new machinery and vehicles
• Investment in new premises or renovation
• Investment in marketing
• Investment in new staff

Financing of investment in small enterprises

Small businesses can apply for investment loans. It's easy to finance investments up to €5 million. Apply for our business loan and you could have the money you need today. No interest, start-up fees, arrangement fees or other hidden costs - just a fixed monthly fee.