What Wasa Kredit does

Wasa Kredit is a Swedish financial services company founded in 1988 and headquartered in Stockholm, providing financing solutions—loans, leasing, rental, and installment/point-of-sale credit—across e-commerce, vehicle trade, office/computer trade, and machinery trade. It serves two principal customer bases: business customers (SMB/mid-market) seeking equipment, vehicle, and machinery financing, and consumers reached indirectly through partner channels for purchases such as boats, motorcycles, recreational vehicles, ATVs, and seasonal equipment.

The company operates a partner-centric B2B2C distribution model rather than a direct-to-consumer motion. It provides a dedicated partner portal (minasidor-partner.wasakredit.se) through which distribution partners—such as LF Finans—manage financing relationships and customer applications, embedding Wasa Kredit's credit products into partners' own sales channels at the point of sale. The available data indicates Wasa Kredit functions within the LF Finans ecosystem, which is described as part of the Länsförsäkringar group (Swedish regional insurance group); LF Finans offers loans, credit cards, leasing, and financing to private individuals and businesses across automotive, recreational, computer, and machinery retail.

Revenue mechanics derive from lending economics—interest, leasing income, and fees on installment and rental arrangements—though specific pricing is not publicly disclosed in the source data. Go-to-market rests on partner referral and channel distribution, with the partner portal serving as the operational backbone for financing operations. Detailed financials, ownership structure, and standalone corporate status for Wasa Kredit are not specified in the provided sources.

Name

Wasa Kredit

Website

https://wasakredit.se

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

251–500 employees

Short description

Wasa Kredit is a Swedish financial services firm (founded 1988) providing loans, leasing, and installment financing across e-commerce, vehicle, office, and machinery trade, serving business customers and consumers primarily through B2B2C partner channels.

Ownership category

akta.pro rank

Product category

Commercial Equipment Financing

NAICS

Sales Financing (52222)

SIC

Finance Lessors (6172)

akta.pro primary industry

Leasing & Lease Buyout Financing (FSAKADAC)

akta.pro secondary industries

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG), Motorcycle & Powersports Finance (FSAKADAG)

Keywords

• Consumer lending
• Equipment leasing
• Vehicle financing
• Installment loans
• Business financing

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Distribution channels1 record

Marketing channels1 record

Core offering

Wasa Kredit provides financing solutions in the form of loans, leasing, and installment agreements. Its core activity is financing equipment, vehicles, office products, and machinery for business customers, while also enabling consumer financing for recreational assets (boats, motorcycles, ATVs, seasonal equipment, motorhomes) through partner dealer and retail channels. Distribution is conducted primarily through a partner/B2B2C model, with an integrated partner portal that supports credit decisions, customer applications, and ongoing servicing.

Product overview

Wasa Kredit is a Swedish financial services company specializing in financing solutions. Based on the source data provided, the primary company featured is LF Finans, which offers loans, financing, credit cards, and leasing services for both private individuals and businesses. LF Finans operates through partnerships with various sectors including automotive, recreational, computer, and machinery retail, as well as directly with corporate customers. The relationship between Wasa Kredit and LF Finans appears to be a partnership, as evidenced by the partner login portal at wasakredit.se. No specific Wasa Kredit-branded products or services are detailed in the available source material.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Leasing Leasing solutions for business equipment acquisition; intended for SMB and mid-market businesses acquiring operational assets.
• Vehicle Leasing Leasing financing for vehicles traded by partner retailers and dealers; serves business and consumer customers acquiring vehicles.
• Machinery Purchase Financing Installment and leasing financing for machinery trade; intended for businesses acquiring machinery through partner channels.
• Operational Leasing Operational leasing solutions covering recurring-use business assets; offered via partner distribution channels.
• Installment Purchasing (E-commerce/Retail) Installment-based purchase financing for products sold through e-commerce and partner retail channels; offered to both business and consumer end customers.
• Recreational Asset Financing Financing for recreational assets including boats, motorcycles, ATVs, seasonal equipment, and motorhomes; delivered to consumers through partner dealer/retail networks.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• LF FinanscoreChannel Partner/ Reseller/ DistributorLF Finans is a financing services provider offering leasing, rental, and installment purchasing solutions to businesses and consumers in Sweden. They work with Wasa Kredit as a partner, operating a dedicated partner portal (minasidor-partner.wasakredit.se) where they manage their financing relationships and customer applications. The partnership allows LF Finans to provide Wasa Kredit's financing products through their sales channels.

Recent moves3 records

Expansion highlights3 records

Direct peers

• Resurs Bank: Swedish non-bank lender providing sales financing, consumer loans, credit cards and leasing through retail and e-commerce partners — directly comparable to Wasa Kredit's partner-led sales financing model in the same Swedish market.
• Svea Ekonomi: Nordic financial group offering leasing, installment and factoring to SMBs and consumers across multiple verticals, including e-commerce — overlapping directly with Wasa Kredit's leasing and installment core.
• Klarna: Swedish BNPL and consumer finance provider deeply embedded in e-commerce checkout flows — directly comparable to Wasa Kredit's e-commerce financing offering, though at much greater scale and technology maturity.
• Ikano Bank: IKEA-linked Nordic bank offering consumer loans, credit cards and sales financing — overlapping with Wasa Kredit's installment and consumer credit products, particularly through retail partnerships.
• Nordax Bank (now NOBA Bank Group): Nordic specialist consumer lender offering personal loans, refinancings and cross-border credit — comparable to Wasa Kredit's consumer credit arm and the fritidslån lifestyle-loan products.
• Marginalen Bank: Swedish niche bank offering consumer loans, credit cards and asset financing — directly competes with Wasa Kredit in Swedish consumer and SMB sales financing.

Broad incumbents

• Nordea Finance: Leasing and asset finance arm of Nordea, providing equipment, vehicle and machinery finance across the Nordics — comparable product set to Wasa Kredit but offered as part of a much larger universal bank.
• SEB Kort / SEB Finans: Card and finance arm of SEB, providing consumer credit, cards and corporate leasing across the Nordics — competes with Wasa Kredit's credit card and leasing products, but as part of a universal bank.
• BNP Paribas Leasing Solutions: Pan-European leasing and sales financing specialist covering equipment, technology and transportation assets — same core activity as Wasa Kredit's machine and office trade financing, but at far greater scale and geographic breadth.
• DLL (De Lage Landen): Global vendor finance and leasing company focused on equipment, agriculture, food and healthcare assets — directly comparable to Wasa Kredit's asset-based financing business, but serving an international vendor and dealer network.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks4 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/wasa-kredit-ab

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wasa Kredit