1. Business Financing
  2. Business Loan
  3. Small Business Loan

Small Business Loan

Capcito is the easy way to finance your small business. Access up to two million Swedish krona with a small business loan. One hundred percent free of unfair pricing, lock-ins and confusing terms.

Our offers are free and non-binding
How much does it cost to borrow?
100 000 kr
12 months
2 044 kr
interest + amortization per week
Total to pay

The interest rate (1,2% per 30 days) is an estimate. The actual rate is based on your actual credit score. In this example, we've assumed a month has 30 days. You will only pay for the days you actually borrow.

Fair loans for small businesses

If small businesses are the engine of Sweden, financing is the fuel needed to ignite, accelerate, and drive our country's economy. Therefore, Capcito offer business loans for small businesses that are tailored to your specific needs, conditions, and plans. Within a minute, you will receive an affordable and flexible offer. Free from unfair terms.

Sometimes it is difficult for small businesses to showcase their financial situation in a traditional financial statement. With new technology, real-time data, and a genuine desire to help small businesses, we can offer truly great and secure business loans that are customized to your situation. Limited companies, partnerships, and sole proprietorships are welcome. Our goal is for the business loan to help you take the next step on your company's journey. Get a non-binding offer today.

How it works

Quick, smart and on your terms

A fair price in minutes

Get a free offer by answering a couple of quick questions about your company. If you connect your business system, you can get an even better offer.

Personalized offers

Say goodbye to unfair pricing, lock-ins and confusing terms. Thanks to real-time data, even companies with weaker historic data can get access to flexible financing.

Up and running within 24 hours

When an application is approved, we pay out right away. In most cases, that means money in your account as soon as the same day. You always decide the personal guarantor.

Less risk, less hassle

Amortization is done on a weekly basis, which means you pay back your loan faster whilst lowering your costs. You can also pay back the entire loan whenever you want at no extra cost.

Small business loan terms

  • Business loans from Capcito come free of hidden fees. You only pay interest and amortization, nothing else.
  • Our loans have a maximum term of 48 months.
  • You can pay back your loan at any time at no extra cost.
  • Our business loans are amortized weekly via autogiro (making your total interest rate lower).
  • To qualify for one of our business loans, your business has to be at least 4 months old and not have and registered debt with Kronofogden.
  • There has to be a legal person that can act as a guarantor.

Get started with Capcito small business loan.

Common questions about Business Loan

How does Business Loan work?
How do we get an offer?
Do we have to connect our business system to Capcito?
Why should we pick Capcito over our bank?
What does personal guarantee mean?
How does the accounting work?
What does it cost?
Where can we see our interest rate?
How do we repay the loan?
Why is the loan amortized on a weekly basis?
How does unsecured lending work?
Who offers business loans?

Do you want to talk to someone?

Our team of experts is ready to discuss your specific needs to find the right solution.

  • Talk to an advisor
  • Get a free personal offer
  • Our quotes are non-binding

Three ways of financing your business

Most popular

Invoice discounting

0,7-3,4% per 30 days

Put your invoices to work and get an open credit line that continually adapts to your sales. Borrow now and then or all the time, you only pay for what you use.

  • Open line of credit
  • Combine with business loan
  • Minimal administration
  • No hidden fees


Sell your invoices

Sell one or more invoices and get paid up to 99% of their value right away. Avoid the hassle of waiting to get paid and sending reminders whilst minimizing your credit risk.

  • Get paid right away
  • We take over sendouts and reminders
  • Sell one or several invoices
  • No hidden fees
Business Loan

Business Loan

Borrow up to 48 months

Our business loans come without hidden fees and confusing terms. You decide how much and for how long and we'll take care of the rest.

  • Get paid right away
  • Pay us back whenever you want
  • Personal guarantee
  • No hidden fees