Investment loans to companies

What is an investment loan?

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

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

At Qred Bank, we offer investment loans from SEK 50,000 up to SEK 5 million with flexible repayment terms, which allows companies to obtain the financing they need to achieve their goals. The application process is simple and fast, which allows companies to access capital within a short period of time. We don't require any collateral for the loans, which means business owners 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 compromising their liquidity. In addition, investment loans can contribute to increased competitiveness by enabling companies to modernise and streamline their operations, adapt to market demands and explore new business areas.

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

Why does the company have to invest?

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

What should I keep in mind when the company is going to invest?

You should first think about what the intended investment brings. What can your business accomplish with the investment, versus if you forgo the investment. After that, make your investment calculation. It's simpler than it sounds. It is a small calculation that shows how much more you earn and which yield you get if you make the investment than if you don't make the investment.

For example, if your company invests SEK 100,000 that generates a profit of SEK 25,000 per year, then payback (payback period) 4 years. The lower the pay-back, the better the investment. It is therefore important to calculate the costs by, for example, a loan calculator.

What can an investment loan be used for?

Only you know what your business needs to invest in in order to survive the future. A couple of examples of uses are

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

An investment loan is a loan used to finance specific investments in a business, such as buying equipment or expanding the business. Qred Bank offers flexible business loans that can be used for various types of investments and business development, with no commitment period and with fast disbursement.

Financing Small Business Investment

Small business owners can apply for investment loans. It is easy to finance investments up to 5 million SEK. Apply for our business loans so you can have the money you need today. No interest rates, start-up fees, set-up fees or other hidden costs - only a fixed monthly fee.