OPR-Finance lends to companies, as a loan with fixed repayments or as a credit to draw on when needed. We do not compare business loans; this is the lender we have an agreement with.
AdKreddo is paid if you continue to OPR. We do not compare business loans or rank lenders.
A loan with fixed repayments
The company must have been trading for at least 6 months. Over SEK 200,000, two guarantors are needed.
A credit to draw on when needed
5% a month is about 80% a year with compounding, before the withdrawal fee.
The business loan is paid out at once and repaid in equal monthly amounts. The price is a fixed loan fee set after a credit assessment of the company.
Flex is a credit with a limit that the company draws on when needed. Interest is only paid on what has been drawn, but it is 5% a month, and each withdrawal costs 3%. That makes the credit expensive to leave outstanding.
Both require a guarantee. The guarantor is personally liable for the debt if the company cannot pay, even when the company is a limited company.
The facts on this page come from here, quoted in Swedish. We check the text against OPR's site and give the date.
Ett svenskt företag som är registrerat i bolagsverket kan ansöka om företagslån. Lån mellan 30 000 – 1 000 000 kronor till företaget Upp till 24 månaders återbetalningstid … har alltid en fast låneavgift som innehåller alla kostnader för ditt lån, priset på ditt lån baseras på en kreditbedömning av företaget. Alla svenska aktiebolag, enskilda firmor, handelsbolag och kommanditbolag kan ansöka om lån hos oss. Ditt bolag behöver ha varit verksamt i minst sex månader för att bli beviljad ett företagslån. Du kommer behöva gå i personlig borgen på lån upp till 200 000 kronor. För lån över 200 000 kronor så behöver två personer gå i personlig borgen för lånet. Ja, vi tar en kreditupplysning med Creditsafe. OPR-Företagslån är en tjänst under OPR-Finance AB, som är ett svenskt företag med tillstånd av Finansinspektionen att bedriva finansieringsverksamhet. Månadsränta: 5 procent av återstående skuld Uttagsavgift: 3 procent av uttaget beloppet Kontoavgift: 0 kronor per månad Startavgift: 0 kronor OPR-Företagslån Flex erbjuder en fortlöpande kredit på upp till 200 000 kronor som du kan nyttja vid behov. Förutsättningen för att få OPR-Företagslån Flex är att företagets ansvariga person går i proprieborgen. Taken from OPR's website and checked on 16 October 2026. Found a mistake? Write to [email protected].
Swedish limited companies, sole traders and other company forms (handelsbolag, kommanditbolag) registered with Bolagsverket (the Swedish Companies Registration Office). For the business loan, the company must have been trading for at least 6 months.
Yes. For the business loan you give a personal guarantee, and loans over SEK 200,000 need two guarantors. For Flex, the person responsible for the company gives a proprieborgen (a guarantee as for one's own debt). The guarantor is personally liable if the company does not pay.
The loan has a fixed loan fee that covers all costs, set after a credit assessment of the company. OPR shows no price in advance, and neither do we.
5% a month on the remaining debt and 3% of each withdrawal. That is 60% a year counted simply, and about 80% with compounding, before the withdrawal fee. There is no start or account fee.
Yes, OPR makes a credit check with Creditsafe.
No. Kreddo compares loans and cards for private persons. OPR is the business lender we have an agreement with, and we are paid when you continue to them.