KOMPAR
KOMPAR is a Stockholm-based digital business loan broker and comparison platform that aggregates 30+ Swedish lenders, enabling SMBs to compare offers via a single UC credit check and free advisor support. Revenue is earned via lender-paid commissions on funded loans, with adjacent comparison verticals in credit, factoring, leasing, cards, and insurance.
- Company typePrivate
- Founded2018
- HeadquartersStockholm, Sweden
- Headcount1–10
- GTM typeB2B
- OfferingDigital Commerce or Content
What KOMPAR does
KOMPAR (operating under the Creddo Group brand and registered entity 138an Group AB, Org.nr 559157-4784) is a Stockholm-based digital loan brokerage and comparison platform serving Swedish small and medium-sized businesses. Its core product is a Företagslån (business loan) marketplace that aggregates 30+ partner lenders — including Marginalen Bank, Qred, Collector Bank, Resurs Bank, Froda, CapitalBox, Aros Kapital, Fedelta, Mynt, and Approva — and matches a single borrower application to multiple lender offers within 24 hours using only one UC (Upplysningscentralen) credit check, protecting the borrower's credit profile during comparison shopping. Loan sizes range from 50,000 SEK to 10,000,000 SEK with repayment terms of 1 month to 5 years.
The platform is extended with adjacent comparison verticals — företagskredit/checkkredit, factoring, leasing, business cards, and business insurance — plus a free tools suite (invoice templates, loan and salary calculators, VAT and liquidity tools) used by 50,000+ businesses. Distribution combines a self-service product-led growth channel (digital application completed in ~2 minutes), an advisor-assisted inside-sales channel (phone/email support), and a B2B partner program that pays commissions to accountants, bookkeepers, business brokers, and consultants who refer clients.
The business model is a free-for-borrower, lender-funded performance commission: KOMPAR is remunerated only when a loan submitted through the platform is funded, with the commission paid by the lender and not affecting borrower pricing. KOMPAR holds Finansinspektionen registration, reports 8,000+ facilitated customers and a 40% repeat-customer rate, and operates with a 1-10 person team as part of the broader Creddo Group.
KOMPAR firmographics
Firmographics- Name
- KOMPAR
- Legal name
- KOMPAR (organization number 559157-4784)
- Website
- https://kompar.se
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- KOMPAR is a Stockholm-based digital business loan broker and comparison platform that aggregates 30+ Swedish lenders, enabling SMBs to compare offers via a single UC credit check and free advisor support. Revenue is earned via lender-paid commissions on funded loans, with adjacent comparison verticals in credit, factoring, leasing, cards, and insurance.
- Ownership category
- akta.pro rank
KOMPAR industry classification
Industry- Product category
- Business loan comparison / Lending marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)
- akta.pro secondary industries
- P2P Small Business / SME Marketplace Lending (FSAKAHAC), SME Term Loans & Growth Capital (FSAKAGAB), Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)
Keywords
Where KOMPAR is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
KOMPAR business model
Business model- GTM type
- B2B
- Offering type
- Digital Commerce or Content
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Loan Commission (Commission de facilitation): KOMPAR receives payment from lenders when a loan application submitted through the platform results in a funded loan. The commission is paid by the lender and does not affect the borrower's rate or terms. This is a performance-based commission model.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free comparison service for borrowers |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
KOMPAR product offering
Product offeringCore offering
KOMPAR operates a Swedish online business loan brokerage platform that aggregates 30+ banks and finance companies, allowing SMBs to submit a single application and trigger only one UC credit check while receiving multiple competing loan offers within 24 hours. The platform facilitates loans from 50,000 SEK up to 10,000,000 SEK with repayment terms of 1 month to 5 years, and is free for borrowers, with KOMPAR compensated by lenders through commissions on funded loans.
Product overview
KOMPAR (Creddo Group) is a Swedish online business loan brokerage platform and comparison service. Its core offering is the Företagslån marketplace, which allows businesses to compare and apply for loans from over 30 partner banks and lenders using a single UC credit check, with loan amounts up to 10 million SEK and repayment terms of 1 month to 5 years. The platform is built around its comparison engine and digital application platform (app2.kompar.se), supplemented by a Partner Program for affiliate/referral income, and a free tools suite (Gratis Verktyg & Mallar) covering invoice templates, loan calculators, salary/VAT calculators, and liquidity budget templates. Adjacent products include business credit (Företagskredit/Checkkredit), factoring/factoring comparisons, leasing comparisons, business card comparisons, and business insurance comparisons, all facilitated through the same platform and lender network.
Differentiator
Problem solved
Functional benefit
Products and services
- Företagslån (Business Loans) Core loan comparison and brokerage platform enabling Swedish businesses to compare and apply for business loans from over 30 lenders and banks through a single application. Only one UC credit check is registered regardless of the number of lender offers generated. Offers are returned within 24 hours, with loan amounts from 50,000 SEK to 10,000,000 SEK and repayment periods from 1 month to 5 years. Free for borrowers; KOMPAR is compensated by lenders through commissions on funded loans.
- Företagskredit / Checkkredit (Business Credit / Overdraft Credit) Flexible credit facility allowing businesses to borrow up to a set credit limit as needed, paying interest only on the drawn amount. Compared and arranged through KOMPAR's network of partner lenders.
- Factoring / Fakturaköp & Fakturabelåning (Invoice Factoring & Invoice Financing) Comparison service for invoice factoring and invoice financing, allowing businesses to sell or pledge outstanding customer invoices for immediate liquidity. Offers are compared across KOMPAR's partner network.
- Leasing Leasing comparison service covering financial and operational leasing for machinery, vehicles, and equipment, with offerings aggregated through KOMPAR's platform.
- Företagskort (Business Cards) Comparison of business credit and debit cards offered through KOMPAR's network of financial partners.
- Trygghetsförsäkring (Business Insurance) Business insurance comparison service covering property, liability, legal protection, and business interruption insurance, along with sector-specific add-ons, distributed through KOMPAR's network.
Quantifiable outcome
- Single UC credit check regardless of number of lender comparisons
- +4 more outcomes
Companies that use KOMPAR
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles3 records
KOMPAR technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
KOMPAR partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered core and minor.
- Marginalen BankcoreOne of KOMPAR's key lending partners providing business loans from 100,000 to 5,000,000 SEK with repayment periods of 24-60 months. UC credit check required with borgen (personal guarantee) as security.
- Qred FöretagslåncoreBusiness lender offering loans without startup fee, binding period, or hidden charges. Quick application, approval, and same-day disbursement. Loans up to 5,000,000 SEK for 6-60 months.
- Aros KapitalcoreFounded 2004, provides business financing for small and medium enterprises including leasing, factoring, and legal assistance. Loans from 30,000 to 1,000,000 SEK for 12-60 months.
- CapitalBoxcorePart of Ferratum Group with offices in 6 cities, registered with Finansinspektionen. Ferratum Group listed on Frankfurt Stock Exchange. Loans from 20,000 to 5,000,000 SEK up to 36 months.
- FrodacoreFully digital solution for both startups and established businesses. Smart credit assessment enables significant investments. Loans from 110,000 to 5,000,000 SEK for 4-60 months.
- Fedelta FöretagslåncoreAdapts business loan to business's unique needs and conditions. Focus on smooth and user-friendly process. Loans from 25,000 to 5,000,000 SEK for 6-60 months.
- MyntcoreFounded 2017, offers digital financial services for businesses. Enables fast financing on the same day for small and large businesses. Loans from 250,000 to 1,000,000 SEK for 1-24 months.
- ApprovacoreNext-generation finance company offering flexible and innovative financing solutions for small and medium businesses with individual pricing. Loans from 30,000 to 100,000 SEK for 2-32 months.
- OPR-FöretagslåncoreBusiness loans for small and large businesses looking to grow operations. Loans from 30,000 to 1,000,000 SEK for 1-24 months.
- Kronan FinanscoreFinance company offering invoice purchasing and financial services focused on growth, profitability, and working capital. Loans from 1,000,000 to 20,000,000 SEK.
- IMH FinanscoreMain focus on helping businesses by freeing bound capital. By pledging property, new opportunities for approved loans can open. Loans up to 100,000,000 SEK for 3-24 months.
- Fortnox (Capcito)coreBoth small and more established businesses can apply for business loans. Offers very flexible and advantageous business credits online. Loans up to 2,000,000 SEK for 3-48 months.
- Collector BankcoreMatches loan with business needs so operations can continue growing without limitations. Offers loans with higher amounts. Loans from 100,000 to 100,000,000 SEK for 12-36 months.
- Resurs BankcoreSubsidiary of Resurs Group operating in the entire Nordic region. Offers financial solutions for businesses and private individuals. Loans from 5,000,000 to 50,000,000 SEK for 12-60 months.
- ServicestartcoreFounded 2006, online services procurement platform. Partners with KOMPAR to offer business loan financing solutions to their customers as part of comprehensive service offering.
- ABS FactoringcorePartners with KOMPAR to offer business loans to their customers seeking factoring and financing solutions.
- Slipp RedovisningminorAccounting firm partner offering KOMPAR's business financing services to their accounting clients.
- CamabominorIndependent financial services broker with long experience in the finance industry and extensive network. Partners with KOMPAR to provide business loan access to clients.
- FöretagsmäklarenminorBusiness brokerage firm established 1978 in Stockholm, consisting of business brokers and consultants in business transfers. Partners with KOMPAR to offer financing solutions to clients buying or selling businesses.
- CorpiacoreFinancial solution enabling small and large companies to grow their potential with fair and adaptable terms. Loans up to 10 million SEK for 1-60 months.
- DBT CapitalcoreFounded 2017, offers flexible business loans between 5-50 million SEK for Swedish small and medium-sized businesses. Loans up to 50,000,000 SEK for up to 84 months.
- Prospera FinanscoreOffers tailored financing solutions for property owners in Sweden. Quick decisions and under Finansinspektionen's supervision. Loans from 1,000,000 to 200,000,000 SEK for 3-24 months.
- Serafim FinanscoreOffers flexible financial solutions for businesses and consumers in Sweden. Invoice purchasing to strengthen liquidity and potential. Loans up to 20,000,000 SEK up to 24 months.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
KOMPAR competitors and assessment
Company assessmentDirect peers
- Lendo: Lendo is a Swedish loan comparison platform owned by Schibsted, comparing personal and business loans from multiple banks. Directly comparable to KOMPAR as a Swedish multi-lender loan aggregator serving borrowers with a single-application comparison flow.
- Sambla: Sambla is a Swedish/Nordic loan comparison service helping consumers and businesses compare refinancing and loan offers from multiple lenders. Directly comparable to KOMPAR on multi-lender comparison, broker economics, and Swedish SMB and consumer target audience.
- Compricer: Compricer is a Swedish comparison service spanning loans, insurance, electricity and banking products, similar in horizontal-comparison DNA to KOMPAR's expansion across loans, factoring, leasing, cards, and insurance.
- Insplanet: Insplanet is a Swedish insurance and financial product comparison broker for businesses, comparable to KOMPAR in B2B comparison intermediation, multiple-lender panels, and commission-based revenue from Swedish SMB customers.
Emerging players
- Capcito (Fortnox): Capcito is a Swedish fintech providing SMB credit and factoring, now part of Fortnox. Comparable to KOMPAR as a digitally native Swedish SMB financing provider and also a KOMPAR lender partner, illustrating overlap between partner and competitor roles.
- Froda: Froda is a Swedish digital business loan provider for SMBs and startups. Comparable to KOMPAR because it is both a partner lender on KOMPAR's panel and a digitally native SMB lender that competes for the same borrowers via its own direct channel.
- Qred: Qred is a Nordic digital SMB lender offering fast business loans to small businesses. Comparable to KOMPAR as both a partner lender and a digitally aggressive SMB lender with its own direct distribution funnel in the Nordics.
- Kameo: Kameo is a Nordic marketplace lending platform connecting investors with Swedish SMB borrowers. Comparable to KOMPAR in operating a Swedish SMB lending intermediation model, but with a P2P/investor-funded structure rather than bank-funded loans.
Broad incumbents
- Marginalen Bank: Marginalen Bank is an established Swedish niche bank offering business and consumer credit. Comparable to KOMPAR as a Swedish SMB lending provider and key KOMPAR partner, representing the incumbent bank side of the SMB lending stack.
- Funding Circle: Funding Circle is a global SMB lending platform operating across multiple European markets. Comparable to KOMPAR in SMB loan intermediation and multi-lender panels, but operating at significantly larger scale and across multiple geographies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
KOMPAR social profiles
Digital presenceKOMPAR compliance and trust
Trust signalCompliance2 records
KOMPAR financial estimates
Financial estimateRevenue estimate
Valuation estimate
KOMPAR leadership team
Management profileNumber of profiles
Profiles2 records
KOMPAR funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
KOMPAR M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about KOMPAR
What does KOMPAR do?
KOMPAR operates a Swedish online business loan brokerage platform that aggregates 30+ banks and finance companies, allowing SMBs to submit a single application and trigger only one UC credit check while receiving multiple competing loan offers within 24 hours. The platform facilitates loans from 50,000 SEK up to 10,000,000 SEK with repayment terms of 1 month to 5 years, and is free for borrowers, with KOMPAR compensated by lenders through commissions on funded loans.
Is KOMPAR a public or private company?
KOMPAR is a private company. It is classified as corporate owned and is currently operating.
When was KOMPAR founded?
KOMPAR was founded in 2018. It employs 1 to 10 people.
Where is KOMPAR based?
KOMPAR is headquartered in Stockholm, Sweden, in the Europe region.
How does KOMPAR make money?
One revenue line is on record: loan Commission (Commission de facilitation).
Who are KOMPAR's main competitors?
Direct peers on record are Lendo, Sambla, Compricer and Insplanet. Emerging players are Capcito (Fortnox), Froda, Qred and Kameo. Broad incumbents are Marginalen Bank and Funding Circle.
Does KOMPAR have an API?
No public API is recorded for KOMPAR.
What industry is KOMPAR in?
KOMPAR's product category is Business loan comparison / Lending marketplace. Its primary akta.pro industry code is FSAKAGAJ, SME Lending Platforms & Embedded SME Credit, with a secondary code of FSAKAHAC, P2P Small Business / SME Marketplace Lending. Its NAICS code is 52231 and its SIC code is 6163.