Aros Kapital AB
Aros Kapital AB is a Swedish licensed credit market company, founded in 2004 and majority-owned by Mellby Gård, providing corporate loans, real estate financing, factoring, and savings accounts to SMEs, property companies, associations, and private individuals across Sweden and the UK.
- Company typePrivate
- Founded2004
- HeadquartersGöteborg, Sweden
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Aros Kapital AB does
Aros Kapital AB is a privately held Swedish credit market company (kreditmarknadsbolag) founded in 2004 and headquartered in Göteborg, Sweden. The company provides alternative financing solutions to small and medium-sized enterprises (SMEs) and real estate companies that are underserved by traditional banks, offering corporate loans (from 3 million SEK), real estate loans (from 10 million SEK), acquisition financing, revolving credit facilities, construction credits, and invoice factoring (both recourse and non-recourse). Aros Kapital holds a credit market license from the Swedish Financial Supervisory Authority (Finansinspektionen) granted in 2014, and it has been partly owned by Mellby Gård, a family-owned Swedish investment company, since 2015. The firm also offers savings accounts to private individuals, businesses, and associations under the Swedish government deposit guarantee (up to 1,150,000 SEK per customer), with reported interest rates between 2.00% and 2.75% depending on term length.
The company operates from three offices in Göteborg (headquarters), Stockholm, and London, and runs a relationship-driven direct sales motion targeting Nordic and UK SME and real estate clients. Its revenue model combines interest income from corporate and real estate lending (subscription/recurring revenue) with transaction fees from factoring services, plus a net interest margin on its deposit-funded savings book. Underwriting and customer management are supported by a proprietary in-house technology stack — including a self-developed customer web portal (Kundwebb) with BankID authentication and a custom factoring system with API integration capabilities — rather than third-party core banking systems.
Aros Kapital's recent activity signals continued operational investment and modest geographic expansion. In 2025 the company hired two senior business area leaders — Louis-Philippe Rembry as Head of Corporate and Emelie Tisell as Head of Real Estate — both with 15+ years of experience from major Swedish banks. The firm has positioned itself as a relationship-focused alternative for borrowers turned away or constrained by major banks, with case studies such as Dragetgruppen and Solvinkeln Fastigheter illustrating multi-year financing partnerships. Revenue and loan-book figures are not publicly disclosed, and the company has no listed funding rounds; ownership remains concentrated with Mellby Gård under a long-term investment philosophy.
Aros Kapital AB firmographics
Firmographics- Name
- Aros Kapital AB
- Legal name
- Aros Kapital AB
- Website
- https://aroskapital.se
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Aros Kapital AB is a Swedish licensed credit market company, founded in 2004 and majority-owned by Mellby Gård, providing corporate loans, real estate financing, factoring, and savings accounts to SMEs, property companies, associations, and private individuals across Sweden and the UK.
- Ownership category
- akta.pro rank
Aros Kapital AB industry classification
Industry- Product category
- Specialty Finance
- NAICS
- Credit Intermediation and Related Activities (522), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180), Activities Related to Credit Intermediation (5223)
- SIC
- Short-Term Business Credit Institutions (6153), Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Asset-Based Lending (ABL) (FSANADAD)
- akta.pro secondary industry
- Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE)
Keywords
Where Aros Kapital AB is headquartered
LocationHeadquarters
- HQ city
- Göteborg
- HQ country
- Sweden
- HQ region
- Europe
Offices3 records
Markets served
Aros Kapital AB business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Corporate Lending: Interest income from business loans, real estate loans, acquisition financing, revolving credit facilities, and construction credits offered to SMEs and property companies.
- Factoring Services: Invoice purchasing (fakturaköp) with fees charged for immediate liquidity. Offers both recourse and non-recourse factoring. Fees based on transaction volume and risk assessment.
- Savings Account Interest: Interest-bearing savings accounts for private individuals, businesses, and associations. Government deposit guarantee coverage up to 1,150,000 SEK per customer.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Likvidkonto - Variable rate savings account |
| Subscription | Multi-year contract | 3-month fixed savings account |
| Subscription | Multi-year contract | 6-month fixed savings account |
| Subscription | Multi-year contract | 12-month fixed savings account |
| Subscription | Annual | Private savings accounts |
| Other | Pay-as-you-go | Corporate loans - minimum threshold |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Aros Kapital AB product offering
Product offeringCore offering
Aros Kapital AB is a licensed Swedish credit market company (kreditmarknadsbolag) providing tailored financing solutions to small and medium-sized enterprises (SMEs) and real estate companies in Sweden and the United Kingdom. The core offerings span corporate financing (factoring, business loans, acquisition financing, revolving credit facilities) and real estate financing (property loans, construction credits, real estate acquisition financing), complemented by savings accounts for private individuals, businesses, and associations covered by the Swedish government deposit guarantee.
Product overview
Aros Kapital AB operates as a credit market company offering a unified portfolio of financing and savings solutions. The core offering consists of corporate financing products (Fakturaköp, Företagslån, Förvärvsfinansiering, Revolverande kreditfacilitet) and real estate financing products (Fastighetslån, Byggnadskreditiv, Förvärvsfinansiering Fastighet). These are complemented by consumer and business savings accounts (Sparkonton). The Aros Kapital Kundwebb serves as the digital platform for customer self-service, allowing account management, loan tracking, and invoice handling. The company has operated since 2004 and holds a credit market license from Finansinspektionen, with operations in both Sweden and the UK.
Differentiator
Problem solved
Functional benefit
Products and services
- Fakturaköp (Factoring) Invoice purchasing service that allows companies to sell their invoices for immediate liquidity. Aros Kapital takes over the credit risk and handles payment collection, reminders, and collections. Offered with both recourse and non-recourse factoring options.
- Företagslån (Corporate Loans) Business loans for investments, growth initiatives, or short-term needs. Loans start from 3 million SEK with flexible repayment plans tailored to each company's unique circumstances.
- Förvärvsfinansiering (Acquisition Financing)
- Revolverande kreditfacilitet (Revolving Credit Facility)
- Fastighetslån (Property Loans)
- Byggnadskreditiv (Construction Credit)
- Förvärvsfinansiering Fastighet (Real Estate Acquisition Financing)
- Sparkonton (Savings Accounts)
Quantifiable outcome
- Flexible loan terms with ability to repay early without extra cost
- +2 more outcomes
Companies that use Aros Kapital AB
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Aros Kapital AB technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature2 records
Aros Kapital AB partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Grow Business SummitflagshipAros Kapital is partner to Grow Business Summit 2026, a new business event in Gothenburg focused on future-ready businesses. Partnership includes speaking engagements, case presentations, and 15% discount code (ArosKapital15) for attendees. Event scheduled for October 6, 2026.
Scale indicators5 records
Recent moves10 records
Expansion highlights5 records
Aros Kapital AB competitors and assessment
Company assessmentBroad incumbents
- OakNorth Bank: OakNorth is a UK challenger bank specializing in commercial property lending and SME banking with savings products. Larger UK incumbent specialist in the same SME + real estate + savings category Aros targets.
- SBAB: SBAB is a Swedish state-owned mortgage specialist bank offering residential mortgages and savings. Overlaps with Aros's property loan and savings products, but operates at much larger scale with a retail mortgage focus.
Direct peers
- CapitalBox: CapitalBox (part of MBH Bank Group) provides online SME lending and factoring across Northern Europe. Direct competitor in technology-enabled working capital and small-business financing for SMEs.
- Resurs Bank: Resurs Bank is a Nordic challenger bank providing lending, credit cards, and savings products to consumers and SMEs. Comparable to Aros in offering diversified credit and deposit products to underserved segments outside the major banks.
- Allica Bank: Allica Bank is a UK challenger bank serving SMEs and property investors with business loans, asset finance, and savings. Most direct UK-market parallel to Aros's SME + real estate + savings model.
- Nordax Bank: Nordax is a Nordic specialist bank focused on consumer lending, mortgages, and savings under its own brand and Lilvil. Comparable business model as a niche licensed bank offering both credit and deposit products to non-prime segments.
- Svea Bank: Svea is a Nordic financial group offering SME financing, factoring, and payment solutions to businesses. Direct competitor in corporate lending and invoice purchasing in the Swedish market with overlapping customer segments.
- Kameo: Kameo is a Nordic peer-to-peer platform specializing in real estate-backed loans to property developers and SMEs. Direct competitor in the construction credit and property acquisition financing space.
- TF Bank: TF Bank is a Swedish-licensed niche bank offering consumer and SME credit products, savings accounts, and cross-border e-commerce finance. Closely comparable niche-banking model with deposit-taking and lending.
Emerging players
- iwoca: iwoca is a UK-based fintech providing flexible credit lines and term loans to SMEs via a fully digital platform. Comparable to Aros in serving SMEs underserved by major banks, with a stronger tech-only delivery model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Aros Kapital AB social profiles
Digital presenceAros Kapital AB compliance and trust
Trust signalCompliance1 record
Aros Kapital AB financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aros Kapital AB leadership team
Management profileNumber of profiles
Profiles19 records
Aros Kapital AB funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aros Kapital AB M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Aros Kapital AB
What does Aros Kapital AB do?
Aros Kapital AB is a licensed Swedish credit market company (kreditmarknadsbolag) providing tailored financing solutions to small and medium-sized enterprises (SMEs) and real estate companies in Sweden and the United Kingdom. The core offerings span corporate financing (factoring, business loans, acquisition financing, revolving credit facilities) and real estate financing (property loans, construction credits, real estate acquisition financing), complemented by savings accounts for private individuals, businesses, and associations covered by the Swedish government deposit guarantee.
Is Aros Kapital AB a public or private company?
Aros Kapital AB is a private company. It is classified as family owned and is currently operating.
When was Aros Kapital AB founded?
Aros Kapital AB was founded in 2004. It employs 11 to 50 people.
Where is Aros Kapital AB based?
Aros Kapital AB is headquartered in Göteborg, Sweden, in the Europe region.
How does Aros Kapital AB make money?
Three revenue lines are on record. Corporate Lending is the primary driver. The others are factoring Services and savings Account Interest.
Who are Aros Kapital AB's main competitors?
Broad incumbents on record are OakNorth Bank and SBAB. Direct peers are CapitalBox, Resurs Bank, Allica Bank, Nordax Bank, Svea Bank, Kameo and TF Bank. iwoca is listed as an emerging player.
Does Aros Kapital AB have an API?
No public API is recorded for Aros Kapital AB.
What industry is Aros Kapital AB in?
Aros Kapital AB's product category is Specialty Finance. Its primary akta.pro industry code is FSANADAD, Asset-Based Lending (ABL), with a secondary code of FSAHAJAE, Direct Lending — Asset-Based Lending (ABL). Its NAICS code is 522 and its SIC code is 6153.