Loan types

With SaveLend, risk diversification is made easy. Our yield robot automatically diversifies your portfolio by investing your capital into hundreds of different loans, spread among numerous loan types and lending companies.

With SaveLend, you can choose:

  • Which loan types you want to invest in and in which currency

  • Your desired loan period

  • How much you want to invest in each loan

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Available loan types in SEK

With SaveLend, you can invest in a wide variety of consumer and company loans. Below, you will find the loan types in SEK that are currently available on our platform:

  • The credit type includes unsecured consumer loans that are loans issued to private individuals and enable consumers to finance needs such as housing, cars, repairs, entertainment, or renovations. 

    • Lending companies:

      SBL Finans

    • Target return:

      6-10%

    • Common loan periods:

      36 months, with terms for early repayments

    • Average loan amounts:

      1 000 - 2 750 EUR

    • Available on the secondary market:

      Yes

    • Forward flow:

      Right to be able to sell overdue credits at 80% of their nominal value.

  • The credit type includes unsecured consumer loans that are loans issued to private individuals and enable consumers to finance needs such as housing, cars, repairs, entertainment, or renovations. 

    • Lending companies:

      SBL Finans

    • Target return:

      5-8%

    • Common loan periods:

      36 months, with terms for early repayments

    • Average loan amounts:

      1 000 - 2 750 EUR

    • Available on the secondary market:

      Yes

    • Forward flow:

      Right to be able to sell overdue credits at 100% of their nominal value.

  • Company loans available on SaveLend’s platform are loans issued to small and medium-sized companies. By investing in creditworthy trade and industry borrowers, you contribute to an improved business climate and help entrepreneurs grow. Start-ups in emerging industries as well as established businesses in more conservative sectors invest in company loans.

    Why company loans?

    • Lending companies:

      SBL Finance

    • Target return:

      8 %

    • Common loan periods:

      3-36 months

    • Average loan amounts:

      ~ 50 000 EUR

    • Available on the secondary market:

      Ja

    • Forward flow:

      No.

  • By investing in invoice factoring loans from creditworthy lending companies, you help companies increase their liquidity and stabilize their cash flow. You also contribute to a flexible financing solution adapted to the end customer.

    Why factoring?

    • Lending companies:

      SBL Finance

    • Target return:

      9 %

    • Common loan periods:

      Maximum 1 year, with possible terms for early repayments and extension

    • Average loan amounts:

      ~ 2000-5000 EUR

    • Available on the secondary market:

      Yes

    • Forward flow:

      No.

  • A debt collection portfolio is a collection of non-performing consumer loans and other payments that is being collected by a debt collection company. All debt collection companies that publish investments on our platform follow good debt collection practices and specialize in handling late or unpaid payments.  If you have other investments in, for example, stocks, funds, or other loan types - debt collection portfolios are a great option to further diversify your investments.

     

    Why debt collection portfolio?

    • Lending companies:

      SBL Finance, Partner Inkasso

    • Target return:

      6-9 %

    • Common loan periods:

      24-84 months

    • Average loan amounts:

      ~ 50 000 EUR

    • Available on the secondary market:

      Yes

    • Forward flow:

      No.
  • Invest in company loans used for corporate acquisitions, housing development, and other related investment initiatives.

    Why real estate investments?

    • Lending companies:

      Svensk Kreditförmedling (SKF)

    • Target return:

      9 %

    • Common loan periods:

      3 - 24 months

    • Average loan amounts:

      ~ 900 000 EUR

    • Available on the secondary market:

      Yes

    • Forward flow:

      No.
  • Invest in company loans used for import financing, an investment where capital is used to free up working capital for fast-growing import companies.

    Why import financing?

    • Lending companies:

      Treyd

    • Target return:

      6 - 10 %

    • Common loan periods:

      1 - 4 months

    • Average loan amounts:

      ~ 33 000 EUR

    • Available on the secondary market:

      Yes

    • Forward flow:

      Right to be able to sell overdue credits at 100% of their nominal value..
  • With litigation funding, you have the opportunity to invest in ongoing legal disputes. Typically, litigation funding involves a third party stepping in to finance some or all of the costs associated with a legal dispute. The funding is provided with an expectation from this third party to share in any potential winnings in case of success. However, it also means that the funder bears the risk and may need to cover the costs if the dispute is lost. Litigation funding at SaveLend works a bit differently – here, your capital contributes to financing the funder, i.e., the third party. This entails both a clear target return on your investment and for the debt and payment obligation from the funder to you to remain intact regardless of the outcome of the dispute.

    Why Litigation funding?

    • Lending companies:

      Flex

    • Target return:

       12 - 14 %

    • Common loan periods:

      1 - 36 months

    • Average loan amounts:

      Maximum 200 000 SEK.

    • Available on the seconday market:

      Yes

    • Forward flow:

      No

Available loan types in EUR

With SaveLend, you can invest in consumer and company loans. Below, you will find the loan types that are currently available in EUR on our platform:

  • The credit type includes unsecured consumer loans that are loans issued to private individuals and enable consumers to finance needs such as housing, cars, repairs, entertainment, or renovations. 

    Why consumer loans?

    • Lending companies:

      Fixura Ab Oy

    • Target return:

      8 %

    • Common loan periods:

      24-72 months,  with possible terms for early repayments and extension

    • Average loan amounts:

      20 000 EUR

    • Available on the secondary market:

      Yes

    • Standard amortization rate:

      Monthly

    • Standard interest payment rate:

      Semi-annual

    • Forward flow:

      Yes. Right to be able to sell eligible overdue credits at 65% of their nominal value.

  • Company loans available on SaveLend’s platform are loans issued to small and medium-sized companies. By investing in creditworthy trade and industry borrowers, you contribute to an improved business climate and help entrepreneurs grow. Start-ups in emerging industries as well as established businesses in more conservative sectors invest in company loans.

    Why company loans?

    • Lending companies:

      Fixura Ab Oy

    • Target return:

      8 %

    • Common loan periods:

      1-24 months, with possible terms for early repayments and extension

    • Average loan amounts:

      Maximum 1 MEUR

    • Available on the secondary market:

      Yes

    • Standard amortization rate:

      Monthly or quartely

    • Standard interest payment rate:

      Quartely

    • Forward flow:

      No.

  • By investing in invoice factoring loans from creditworthy lending companies, you help companies increase their liquidity and stabilize their cash flow. You also contribute to a flexible financing solution adapted to the end customer.

    Why factoring?

    • Lending companies:

      Fixura Ab Oy

    • Target return:

      8 %

    • Common loan periods:

      1-3 months,  with possible terms for early repayments and extension

    • Average loan amounts:

      Maximum 500 000 EUR

    • Available on the secondary market:

      Yes

    • Standard amortization rate:

      At the end of credit date

    • Standard interest payment rate:

      At the end of credit date

    • Forward flow:

      No.
  • Invest in company loans used for import financing, an investment where capital is used to free up working capital for fast-growing import companies.

    Why import financing?

    • Lending companies:

      Treyd

    • Target return:

      6-10%

    • Common loan periods:

      1-4 months

    • Average loan amounts:

      ~ 33 000 EUR

    • Available on the secondary market:

      Yes

    • Forward flow:

      Right to be able to sell overdue credits at 100% of their nominal value.

How we assure that the loans are of high-quality

We want you to feel safe when you invest with us. One way we achieve this is by continuously striving to ensure that all the loans on our platform follow good lending practices and are of high quality. Before a loan is published on our platform, and thus available for you to invest in, a thorough review of the lending company, the company that issues the loans, takes place. Among other things we investigate the following: Do they follow good lending practice? What does their application process for a loan look like? What does their business model look like? What does their historical loan portfolio look like? These are just some of the factors that are examined before a decision is made.

If a lending company is approved, they are given the opportunity to publish their loans on SaveLend's platform. Each loan published on the platform has also passed through the lending company’s own application process to ensure high quality.

Read more about our lending companies

SaveLend - Various credit intermediaries

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  2. 2
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  3. 3
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  4. 4
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