Krea
Krea is a Stockholm-based digital lending marketplace, founded in 2018, that aggregates 30+ Nordic banks and lenders to provide Swedish and Finnish small and medium-sized businesses with a single application for business loans, factoring, credit, real estate loans, equipment and vehicle financing.
- Company typePrivate
- Founded2018
- HeadquartersStockholm, Sweden
- Headcount11–50
- GTM typeB2B
- OfferingDigital Commerce or Content
What Krea does
Krea Technology AB is a Stockholm-headquartered, privately held digital lending marketplace founded in 2018 that aggregates more than 30 Swedish and Nordic banks and lenders into a single application for small and medium-sized businesses. Its core platform spans six financing products — Företagslån (business loans, 10K–30M SEK), Factoring, Företagskredit (business credit lines), Fastighetslån (real estate loans, 1–100M SEK), Maskinfinansiering (equipment financing) and Bilfinansiering (vehicle financing) — plus a human Advisory service for complex deals between 3M and 100M SEK. The underlying technology combines a structured-data processing pipeline, an AI-based loan estimator that performs eligibility checks without a UC (credit bureau) pull, and a recommendation engine that matches applicants to lenders and uses insights from 30,000+ prior applications to optimize offer terms. A partnership with UC enables a single credit check across multiple lenders, reducing borrower friction.
Krea firmographics
Firmographics- Name
- Krea
- Legal name
- Krea Technology AB
- Website
- https://krea.se
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Krea is a Stockholm-based digital lending marketplace, founded in 2018, that aggregates 30+ Nordic banks and lenders to provide Swedish and Finnish small and medium-sized businesses with a single application for business loans, factoring, credit, real estate loans, equipment and vehicle financing.
- Ownership category
- akta.pro rank
Krea industry classification
Industry- Product category
- Business Loan Marketplace / SMB Lending Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- P2P Small Business / SME Marketplace Lending (FSAKAHAC)
Keywords
Where Krea is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices2 records
Markets served
Krea business model
Business model- GTM type
- B2B
- Offering type
- Digital Commerce or Content
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Commission from Lenders: Krea receives compensation from banks and lenders on their platform. This compensation does not affect how or where offers are displayed for customers - they always recommend the best offers. The company states they are commissioned by lenders for loan mediation services.
- Advisory Services: For complex financing needs between 3-100 million SEK, Krea offers Advisory services with personalized consultant support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free service for all customers - no fees charged to borrowers |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Krea product offering
Product offeringCore offering
Krea runs a free-to-borrower digital marketplace that lets Swedish and Finnish small and medium-sized businesses apply once and receive competing financing offers from 30+ banks and lenders across business loans, factoring, business credit lines, real estate loans, equipment financing, and vehicle financing. For complex deals of 3-100 million SEK, customers are paired with a dedicated human advisor, while the underlying platform uses an AI-powered eligibility estimator and a single shared credit check to optimize terms.
Product overview
Krea operates as a digital marketplace/platform for business financing that aggregates multiple financial products through a single application. The core offering includes six main products: Företagslån (business loans 10K-30M SEK), Factoring (invoice financing), Företagskredit (business credit lines), Fastighetslån (real estate loans 1-100M SEK), Maskinfinansiering (equipment/machine financing), and Bilfinansiering (car/vehicle financing). These products are connected through a unified platform that competes 30+ lenders against each other. The Advisory module provides white-glove services for complex financing needs exceeding 3 million SEK. The platform serves as an intermediary, matching SMBs with optimal financing solutions across Sweden and Finland.
Differentiator
Problem solved
Functional benefit
Products and services
- Företagslån (Business Loans) Business loans from 10,000 SEK to 30 million SEK covering general business needs, with a single application routed to 30+ competing lenders and disbursement typically within 1-10 days. Targeted at Swedish SMEs seeking working capital, expansion, or short-term liquidity.
- Factoring Invoice factoring allowing businesses to sell or borrow against invoices for immediate cash flow, with both recourse and without-recourse options across Krea's lending panel. Targeted at Swedish SMBs needing to accelerate receivables.
- Företagskredit (Business Credit) Flexible business line of credit providing ongoing access to capital up to an approved limit, with interest paid only on the amount actually drawn. Targeted at Swedish SMBs needing flexible, repeatable working-capital headroom.
- Fastighetslån (Real Estate Loans) Real estate financing for purchasing, renovating, or constructing commercial properties, ranging from 1-100 million SEK with up to 85% loan-to-value across Krea's lender panel. Targeted at property-owning SMBs and developers.
- Maskinfinansiering (Equipment Financing) Equipment and machine financing combining machine loans and leasing for any brand of machinery, with up to 100% financing available through partner lenders. Targeted at SMBs needing to acquire or upgrade equipment.
- Bilfinansiering (Vehicle Financing) Vehicle financing offering both financial and operational leasing for registered vehicles. Targeted at Swedish SMBs needing to finance company cars, vans, or commercial vehicles.
- Advisory Services Personalized advisory services for complex or large-ticket Swedish business financing between 3 and 100 million SEK, providing tailored structuring and consultant support. Targeted at mid-market companies needing hands-on financing guidance.
Quantifiable outcome
- 30,000+ companies have found financing through Krea
- +3 more outcomes
Companies that use Krea
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles3 records
Krea technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability3 records
Feature3 records
Krea partnerships and signals
Strategic signalPartnerships
42 partnerships are on record, tiered core.
- FöretagarnacoreFöretagarna (The Swedish Enterprise Federation) is a partner organization supporting small businesses. Krea became exclusive financing partner to Företagarna in 2025, helping their member companies access better financing terms through Krea's marketplace of 30+ competing lenders.
- UC (Upplysningscentralen)coreKrea has a partnership with UC that allows multiple lenders to access a single credit check. This prevents multiple credit checks from negatively impacting a company's credit score when multiple lenders are approached through Krea's platform.
- Svea BankcoreOne of 30+ banks and lenders competing on Krea's marketplace for business loans, real estate loans, and other financing solutions.
- Marginalen BankcoreOne of 30+ banks and lenders competing on Krea's marketplace. Offers some of the best rates for flexible business loans and equipment financing.
- FrodacoreDigital lender competing on Krea's platform. Ranked as one of the best for flexible business loans with no start-up fees or hidden costs for early repayment.
- Qred BankcoreFast-growing digital bank competing on Krea's marketplace, known for quick business loans disbursed in 2-4 days on average.
- Aros KapitalcoreNiche bank competing on Krea's platform, offering business loans with some of the lowest effective annual interest rates.
- LendifycoreLending platform competing on Krea's marketplace offering flexible business loans without prepayment fees.
- CapitalboxcoreOne of 30+ lenders competing on Krea's platform for business loans.
- Nordic FinancecoreEquipment financing specialist competing on Krea's platform. Ranked as one of the best for highest approval rates in machine financing.
- FedeltacoreLender competing on Krea's platform for business loans, real estate loans, and equipment financing with competitive rates.
- Serafim FinanscoreNiche bank competing on Krea's platform for business loans, real estate loans, and factoring.
- OPR FinancecoreBusiness lender competing on Krea's platform for business loans and credit.
- KameocoreCrowdfunding lender competing on Krea's platform for flexible real estate loans, offering bullet loans without monthly amortization.
- FundingPartnercoreCrowdfunding platform competing on Krea's marketplace for flexible real estate loans with bullet repayment options.
- Terox FinanscoreReal estate lender competing on Krea's platform, offering some of the highest loan-to-value ratios (60-80%).
- RealkreditcoreReal estate lender competing on Krea's platform for property financing with competitive loan-to-value ratios.
- Grenke LeasingcoreEquipment leasing specialist competing on Krea's platform for machine and equipment financing.
- InvoiercoreDigital factoring marketplace competing on Krea's platform for invoice sales and factoring without recourse.
- FinansiacoreFactoring company competing on Krea's platform for invoice purchasing with recourse.
- Northmill BankcoreDigital bank competing on Krea's platform for business credit and loans.
- TreydcorePurchase financing specialist competing on Krea's platform for flexible business credit.
- JirocoreFast digital lender competing on Krea's platform, known for quick business loan disbursements (2-4 days average).
- Avida FinanscoreNiche bank competing on Krea's platform for business loans and factoring.
- Resurs BankcoreBank competing on Krea's platform for business loans and factoring.
- BizcapcoreBusiness lender competing on Krea's platform for business loans, credit, and factoring.
- Euro FinanscoreBusiness lender competing on Krea's platform for business loans and leasing.
- FinansfabrikencoreBusiness lender competing on Krea's platform for business loans.
- SBP KreditcoreReal estate lender competing on Krea's platform for property financing.
- IMH FinanscoreFinance company competing on Krea's platform for flexible real estate loans.
- SBL FinanscoreReal estate lender competing on Krea's platform for property financing.
- Alisa BankcoreDigital bank competing on Krea's platform for factoring services.
- QuickpaidcorePurchase financing specialist competing on Krea's platform for business credit.
- CapwaycoreFactoring company competing on Krea's platform for invoice financing.
- CapcitocoreFactoring company competing on Krea's platform for invoice financing.
- Flow & PartnerscoreFinance company competing on Krea's platform for business loans, real estate loans, and factoring.
- Alfa FinanscoreFactoring company competing on Krea's platform for invoice financing.
- BillectacoreFactoring company competing on Krea's platform for invoice financing.
- NordiskacoreReal estate lender competing on Krea's platform for property financing.
- Hermelin FinanscoreReal estate lender competing on Krea's platform for property financing.
- JAK MedlemsbankcoreEthical member bank competing on Krea's platform for business loans.
- BlippcoreLeasing company competing on Krea's platform for equipment financing.
Scale indicators6 records
Recent moves8 records
Expansion highlights6 records
Krea competitors and assessment
Company assessmentDirect peers
- Sambla Group: Sambla is a Swedish loan-comparison marketplace aggregating multiple lenders for consumer and SMB credit products. It is Krea's closest domestic direct peer given overlapping loan-brokerage model, audience (Swedish borrowers), and revenue mechanic (lender commissions).
- Lendo: Lendo is a long-standing Swedish loan comparison platform operating as a multi-lender credit intermediary. It competes with Krea for Swedish borrower demand and shares the commission-based marketplace revenue model, though it skews more toward consumer than business credit.
- Compricer: Compricer is a Swedish price-comparison marketplace that includes business and consumer loans among its categories. It is comparable to Krea as a Nordic loan-brokerage/aggregator reaching the same SMB decision-makers through similar SEO and content-led acquisition.
Broad incumbents
- Froda: Froda is a Swedish digital lender offering flexible SMB business loans. Although it sits on Krea's platform as a lender, Froda's direct digital SMB origination makes it a broader incumbent competing for the same end-borrower relationship.
- Qred: Qred is a digital Nordic business-bank lender covering Sweden, Finland, Norway and the Netherlands. As both a Krea partner and a fast-growing direct SMB lender, Qred is a broad incumbent competing for the same Swedish-Finnish SMB financing wallet.
Emerging players
- Capitalbox: Capitalbox is a digital Swedish SMB lender offering business loans and lines of credit. As a platform partner to Krea, it competes in the same end-customer segment and is actively building its own direct SMB distribution.
- iwoca: iwoca is a UK-based online SME lender using data-driven underwriting to provide short-term business credit. Comparable to Krea in its digital-first SMB positioning and underwriting approach, though operating in a different geography and verticalising as a lender.
- Billie: Billie is a German-headquartered B2B Buy Now Pay Later / invoice-financing platform for SMBs. It is comparable to Krea in the SME-finance-brokerage theme—digital underwriting, lender/funder aggregation—and is expanding across European markets.
- Kameo: Kameo is a Swedish real-estate crowdfunding / marketplace lending platform. Comparable to Krea in serving SMB real-estate financing through a multi-investor marketplace, but focused exclusively on property-secured lending rather than full-spectrum SMB finance.
Regional players
- Funding Circle: Funding Circle is a UK-originated P2P/institutional SMB lending marketplace. It shares Krea's multi-lender marketplace DNA for SMB credit, but operates in the UK/US rather than the Nordics and at materially larger scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Krea social profiles
Digital presenceKrea compliance and trust
Trust signalCompliance2 records
Krea financial estimates
Financial estimateRevenue estimate
Valuation estimate
Krea leadership team
Management profileNumber of profiles
Profiles11 records
Krea funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Krea M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Krea
What does Krea do?
Krea runs a free-to-borrower digital marketplace that lets Swedish and Finnish small and medium-sized businesses apply once and receive competing financing offers from 30+ banks and lenders across business loans, factoring, business credit lines, real estate loans, equipment financing, and vehicle financing. For complex deals of 3-100 million SEK, customers are paired with a dedicated human advisor, while the underlying platform uses an AI-powered eligibility estimator and a single shared credit check to optimize terms.
Is Krea a public or private company?
Krea is a private company. It is classified as venture growth investor backed and is currently operating.
When was Krea founded?
Krea was founded in 2018. It employs 11 to 50 people.
Where is Krea based?
Krea is headquartered in Stockholm, Sweden, in the Europe region.
How does Krea make money?
Two revenue lines are on record. Commission from Lenders are the primary driver. The others are advisory Services.
Who are Krea's main competitors?
Direct peers on record are Sambla Group, Lendo and Compricer. Broad incumbents are Froda and Qred. Emerging players are Capitalbox, iwoca, Billie and Kameo. Funding Circle is listed as a regional player.
Does Krea have an API?
No public API is recorded for Krea.
What industry is Krea in?
Krea's product category is Business Loan Marketplace / SMB Lending Brokerage. Its primary akta.pro industry code is FSAKAHAC, P2P Small Business / SME Marketplace Lending. Its NAICS code is 52231 and its SIC code is 6163.