What Serafim Finans does

Serafim Finans AB is a Stockholm-based, Finansinspektionen-regulated credit market company (kreditmarknadsbolag) offering a diversified suite of corporate, real estate, factoring and private financial services across the Nordics. The company operates three principal segments: Corporate (acquisition loans, bridge loans, growth loans, investment loans, export loans, operating credits, leveraged finance for PE-backed transactions, and factoring including invoice purchasing, export factoring and reversed factoring); Real Estate (property loans and construction credits for established property companies); and Private (savings products and installment financing for healthcare, health, beauty and education, run under the legacy Medical Finance brand). The company serves more than 12,950 customers with approximately 55 employees from its Stockholm headquarters, and explicitly extends its offering to Swedish, Finnish and Norwegian companies. Distribution is relationship-led via dedicated client executives conducting on-site meetings, supplemented by event-driven channels (Di Gasell events across Sweden and the Swedish Ice Hockey Federation sponsorship). Capital is sourced from a combination of retail deposits (since April 2020), the 150 MSEK AT1 issuance completed in October 2024, and a EUR 10M EIF InvestEU guarantee signed in September 2023. Serafim Finans is a wholly owned subsidiary of the Swedish holding company Serafimgruppen and was originally founded in 2011 as Promentor Finans AB.

Name

Serafim Finans

Legal name

Serafim Finans AB

Website

https://serafimfinans.se

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Serafim Finans is a Stockholm-based, Finansinspektionen-regulated credit market company offering corporate loans, factoring, leveraged finance, real estate financing and private savings to SMEs, PE sponsors, property companies and individuals across Sweden, Finland and Norway.

Ownership category

akta.pro rank

Product category

Specialty / SME Lending

NAICS

Depository Credit Intermediation (5221), Commercial Banking (522110)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industries

Microloans & Working Capital Loans (FSAKAGAA), Emergency, Stabilization & Crisis Response Financing (BPADACAM)

Keywords

• Commercial lending
• SME financing
• Factoring services
• Leveraged finance
• Real estate lending

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Corporate Loans: Provides various corporate financing solutions including acquisition loans (förvärvslån), bridge loans (brygglån), growth loans (tillväxtlån), investment loans (investeringslån), and export loans. These are tailored financing solutions for growing companies.
2. Operating Credit: Rörelsekredit providing working capital facilities for businesses.
3. Leveraged Finance: Financing solutions for private equity transactions and portfolio companies, including sponsor-backed acquisitions. The company focuses on the sub-100 MSEK segment which they identify as underserved.
4. Factoring Services: Factoring solutions including invoice purchasing (fakturaköp), export factoring, and reversed factoring. These services help companies improve liquidity by selling receivables.
5. Real Estate Financing: Provides property loans (fastighetslån) and construction credits (byggnadskreditiv) to established real estate companies with tailored solutions for each unique project.
6. Private Savings: Savings products (spara) for private individuals offering secure savings with favorable terms. Also includes installment solutions for private healthcare, health, and education financing.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Serafim Finans is a Swedish credit market company (kreditmarknadsbolag) delivering tailored financing solutions across three segments: Corporate (acquisition, bridge, growth, investment and export loans, operating credits, leveraged finance, and factoring), Real Estate (property loans and construction credits for established property firms), and Private (secure savings products and installment financing for healthcare, wellness and education under the Medical Finance trade name). Services are delivered through direct sales and relationship managers, with funding sourced from customer deposits, an EIF InvestEU guarantee and an AT1 capital issuance.

Product overview

Serafim Finans is a credit market company (kreditmarknadsbolag) offering a comprehensive suite of financial solutions across three main segments: Corporate (Företag), Real Estate (Fastighet), and Private (Privat). The corporate offering includes customized loan products (acquisition loans, bridge loans, growth loans, investment loans, export loans), operating credits, leveraged finance for private equity transactions, and factoring solutions (invoice purchase, export factoring, reversed factoring). The real estate division provides property loans and construction credits. Private services focus on savings products. The company operates as a flexible alternative to major banks, with approximately 55 employees serving over 12,950 customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Företagslån (Corporate Loans) Umbrella offering of customized financing solutions for growing Swedish companies, comprising acquisition loans (förvärvslån), bridge loans (brygglån), growth loans (tillväxtlån), investment loans (investeringslån) and export loans (exportlån, in collaboration with EKN). Designed for SMEs that need flexible, bank-alternative financing for transactions and growth.
• Förvärvslån (Acquisition Loan) Financing solution for company acquisitions, used as standalone acquisition financing (e.g., leveraged finance practice for PE-backed acquisitions such as Driv Kapital's acquisition of Björn Axén).
• Brygglån (Bridge Loan) Short-term loan designed to bridge liquidity gaps during transitions (e.g., between transactions, refinancings or growth phases) for corporate clients.
• Tillväxtlån (Growth Loan) Loan product targeted at companies in growth phases, providing capital to fund scaling activities that may not fit standard bank products.
• Investeringslån (Investment Loan) Financing for investments and capital expenditures by corporate clients.
• Exportlån (Export Loan) Financing solution for export activities, offered to Swedish exporting companies in collaboration with EKN, which guarantees up to 50% of the risk on qualifying facilities.
• Rörelsekredit (Operating Credit) Flexible working-capital credit facility providing companies with day-to-day liquidity to manage operating expenses and cash-flow fluctuations.
• Leveraged Finance Financing solutions for private equity transactions and portfolio companies, including sponsor-backed acquisitions and refinancings. Focuses on the sub-100 MSEK segment which Serafim identifies as underserved by traditional banks. Named cases include Driv Kapital (Björn Axén), Helix Kapital (Member 24), Alder (3nine), and Verdane (Reason Studios).
• Factoring Umbrella offering of receivables-based financing including fakturaköp (invoice purchase), export factoring, and reversed factoring. Helps companies free working capital tied up in invoices, improve liquidity, and reduce credit risk.
• Fakturaköp (Invoice Purchase) Companies sell their invoices to Serafim Finans and receive immediate payment, improving cash flow and reducing credit risk.
• Exportfactoring (Export Factoring) Export factoring that frees up capital and reduces risk for Swedish exporters, offered with EKN backing.
• Reversed Factoring Supply-chain financing solution in which Serafim Finans pays a company's suppliers (with the buyer's agreement), strengthening supplier relationships and extending payment terms for the buyer.
• Fastighetslån (Property Loan) Stable, tailored property financing for established Swedish real estate companies, designed around the specific characteristics of each unique project.
• Byggnadskreditiv (Construction Credit) Construction-period financing credit for real estate development projects within the property lending line.
• Spara (Savings) Secure savings products (with deposit-taking status) for private individuals in Sweden, offered with favorable terms and configurations tailored to different savings profiles.
• Medical Finance (consumer installment financing) Consumer installment financing for private individuals to fund healthcare, wellness, beauty, and education expenses, operated as a trade name within Serafim Finans following the 2013 acquisition and 2016 merger of Medical Finance Sverige AB.

Quantifiable outcome

• 94% of customers would recommend Serafim Finans

Named customers7 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and strategic.

• Svenska Ishockeyförbundet (Swedish Ice Hockey Federation)coreGTM or Marketing Partner · 5 December 2023Serafim Finans serves as main partner (huvudpartner) to the Swedish Ice Hockey Federation. The 3-year partnership, effective from December 2023 through the 2025/26 season, contributes to Swedish hockey development. The sponsorship enables nationwide visibility and association with meaningful role models in Swedish sports.
• Di GasellcoreGTM or Marketing Partner · 1 February 2023Strategic partnership with Di Gasell (Dagens industri's growth company recognition program). Serafim Finans supports Swedish entrepreneurs and growth companies. The partnership includes event participation across Sweden (Malmö, Stockholm, Göteborg, Umeå), award presentations at regional events and the annual Gasell Gala. Extended through 2024 and 2025.
• Exportkreditnämnden (EKN)strategicStrategic or Co-development Partner · 30 September 2021Collaboration to offer export financing solutions. EKN provides guarantees covering up to 50% of risk on operating credits with terms up to 24 months. This enables Serafim Finans to better serve exporting companies with specialized financing products including export loans and export factoring.

Scale indicators7 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• SEB: Swedish major bank with strong corporate, real-estate, and PE-sponsor banking franchises. Comparable as the type of incumbent Serafim aims to win SME and PE deals away from.
• Nordea: Nordic universal bank serving corporates, SMEs, and large PE houses. The named 'large bank' alternative that Serafim positions itself against; also served as financial advisor on Serafim's AT1 issuance.
• SBAB: Swedish state-owned bank focused on residential mortgages and consumer/savings. Comparable to Serafim's deposit/funding and credit-market-company-style regulatory profile under Swedish Finansinspektionen supervision.

Direct peers

• Almi: Swedish state-owned finance company providing loans and risk capital to SMEs not adequately served by the major banks. Direct functional peer to Serafim's stated mission of serving SMEs overlooked by major Swedish banks.
• Intrum: Swedish-headquartered credit management and factoring operator. Directly comparable to Serafim's factoring franchise — Serafim in fact acquired Intrum's factoring customer base in 2021 to expand the segment.
• Svea Bank (Svea Ekonomi): Nordic/Swedish specialty finance group offering corporate lending, factoring, real estate financing, and consumer credit. Closely comparable to Serafim across all three of Serafim's core segments (corporate, real estate, private).
• Resurs Bank: Nordic bank specialising in consumer finance, retail finance, and SME/payment solutions. Comparable to Serafim's private/consumer credit segment and certain corporate financing products.
• Avida Finans: Swedish specialty lender focused on corporate and acquisition financing, particularly for PE-backed mid-market borrowers. Most directly comparable to Serafim Finans because its former leveraged-finance lead (Andreas Jonsson) joined Serafim as Director of Leveraged Finance.
• TF Bank: Swedish-regulated niche bank operating deposit-taking and consumer/SME lending across the Nordics and broader Europe. Comparable business model to Serafim's credit-market-company deposit-and-lend franchise.
• Qliro: Nordic digital bank listed on Nasdaq Stockholm offering consumer finance, payments, and SME lending. Comparable to Serafim on deposit-funded lending and Swedish retail/SME distribution.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/serafim-finans
• Facebookfacebook.com/serafimfinans
• Xtwitter.com/serafimfinans

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

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 Serafim Finans