Fedelta

What Fedelta does

Fedelta Finance AB is a Borås, Sweden-based credit market company (kreditmarknadsbolag) founded in 2018, supervised by Finansinspektionen since October 2023. It originates business loans (50,000 SEK to 5 million SEK) and real-estate loans (up to 35 million SEK, with loan-to-value up to 80%) to Swedish small and medium-sized enterprises and sole proprietors, with same-day offers and 24-hour disbursement supported by a BankID-integrated digital application flow and an inside sales team. In November 2025 it launched retail savings accounts (sparkonton) under the Swedish state deposit guarantee, broadening its funding base beyond equity. A next-generation data platform developed with Advania (announced March 2026) automates reporting and compliance, and a construction-credit product was added in June 2026.

The business model is a classic spread-based credit institution: net interest income from loans funded by a combination of equity capital and retail deposits, supplemented by origination fees (2% on business loans) and savings-account interest expense. Revenue is reported at 80 million SEK for FY2024 with profit before tax of 8 million SEK; valuation reached 618 million SEK following a 75 million SEK equity injection in November 2024, and the outstanding loan book surpassed 1 billion SEK by November 2025 with cumulative lending of 2.2 billion SEK since inception. The company operates exclusively in Sweden across diversified SME end-markets — automotive, beauty, construction, food and beverage, transport, healthcare, and wellness — under horizontal segmentation, supported by an active content-marketing engine (Entreprenörshörnan), an SEO/blog presence, and strategic partnerships (notably Monitor ERP System for manufacturing and Advania for data infrastructure).

Name

Fedelta

Legal name

Fedelta Finance AB

Website

https://fedelta.se

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Fedelta Finance AB is a Swedish Finansinspektionen-supervised credit market company originating business and real-estate loans for Swedish SMEs while gathering retail deposits via state-guaranteed savings accounts, headquartered in Borås.

Ownership category

akta.pro rank

Headquarters

HQ city

Borås

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, Others

Revenue model

1. Business Loan Interest: Interest income from business loans ranging from 50,000 SEK to 5 million SEK. Annual indicative interest rates between 8-12%, individually set based on creditworthiness, loan purpose, and collateral.
2. Property Loan Interest: Interest income from property/real estate loans up to 35 million SEK, with loan-to-value ratios up to 80% of market value. Includes acquisition loans, bridge loans, construction credit, and long-term senior/junior loans.
3. Savings Account Interest Spread: Interest spread earned on savings accounts. Fedelta offers both variable and fixed-rate savings accounts to private individuals, paying interest to savers while lending to businesses at higher rates.
4. Loan Origination Fees: Upfront origination fees charged on loans. For business loans, an origination fee of 2% of the loan amount is charged (e.g., 100,000 SEK on a 5 million SEK loan).

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Fedelta is a Swedish credit market company (kreditmarknadsbolag) supervised by Finansinspektionen that originates and services business loans (50,000–5 million SEK) and property/real estate loans (up to 35 million SEK) for small and medium-sized enterprises, sole proprietors, and real estate companies, while accepting retail savings deposits through variable and fixed-rate savings accounts. The company funds its lending book primarily with public deposits and offers same-day loan offers with 24-hour disbursement through a fully digital BankID-enabled application process.

Differentiator

Problem solved

Functional benefit

Products and services

• Företagslån (Business Loan) Online business loans from 50,000 SEK to 5 million SEK for Swedish small and medium-sized enterprises and sole proprietors, with indicative annual interest rates of 8-12%, a 2% origination fee, same-day offers, and 24-hour disbursement. Loan terms range from 1 to 60 months for standard loans (up to 240 months for certain products), with no early repayment penalty.
• Fastighetslån (Property Loan) Real estate loans up to 35 million SEK with loan-to-value ratios up to 80% of market value, covering acquisition loans, bridge loans (from 1 month), construction credit, and long-term senior/junior loans. Amortization periods typically 10-30 years, up to 100 years for senior loans depending on property type. Intended for property-owning, managing, or developing companies.
• Sparkonto (Savings Account) Variable and fixed-rate savings accounts for Swedish private individuals over 18 and resident in Sweden, opened digitally via BankID at spara.fedelta.se. Variable rate 2.35% APR; fixed rates 2.70% (3 months), 2.80% (6 months), 2.80% (1 year), and 2.00% (2-5 years). Minimum deposit 500 SEK (variable) or 10,000 SEK (fixed), maximum 1,150,000 SEK, with a 2% early withdrawal fee on fixed-term accounts and Swedish state deposit guarantee (insättningsgaranti) up to 1,150,000 SEK per person.
• Byggnadskreditiv (Construction Credit) Flexible construction financing for property developers and companies undertaking new builds or major renovations. The credit is disbursed in stages during the construction period, with interest charged only on the portion actually used, offering better cost control and liquidity management than traditional property loans. Targets both smaller actors and established companies with larger projects.
• Start-up Business Loan

Quantifiable outcome

• 24-hour loan disbursement for approved applications
• +5 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• AdvaniacoreTechnology or Integration · 24 March 2026Fedelta and Advania developed a next-generation data platform that collects, structures, and enriches data from across the entire business. The platform enables rapid analytics and report generation with AI support, significantly reducing report production time from weeks to minutes. This was a strategic investment to meet new regulatory reporting requirements following Fedelta's credit market company authorization.
• Monitor ERP SystemcoreStrategic or Co-development Partner · 28 August 2025Fedelta entered a strategic partnership with Monitor ERP System, a market-leading provider of business systems for the manufacturing industry. The partnership is designed to provide integrated financing solutions for Monitor's customer base in the manufacturing sector.
• Kulladal KitchenminorOthersWærnet kaffebar & showroom features kitchen designs from Kulladal Kitchen as part of its showroom concept. This is a customer story partner relationship rather than a formal Fedelta partnership.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Collector Bank: Swedish challenger bank providing consumer and SME loans plus deposit products. Comparable to Fedelta in being a regulated Swedish deposit-taking lender with a focus on segments underserved by major banks.
• Resurs Bank: Swedish bank specializing in consumer and SME lending, including factoring and retail finance. Similar to Fedelta in serving SMEs with flexible financing and operating within the Swedish deposit-taking regulatory framework.
• Svea Bank: Swedish fintech group offering SME financing, factoring, and payment solutions. Comparable to Fedelta in providing flexible credit products to small businesses across Sweden with a digital-first delivery model.
• Northmill Bank: Swedish challenger bank offering personal loans, credit cards, and savings accounts with a digital-first model. Directly comparable to Fedelta as a deposit-taking digital lender targeting underbanked consumers and small businesses in the Nordics.
• Marginalen Bank: Swedish challenger bank offering savings accounts and consumer/SME lending. Directly comparable to Fedelta as a deposit-taking, digitally delivered Swedish lender focused on retail and small business customers.
• Klarna: Swedish fintech offering BNPL and consumer credit products. Comparable to Fedelta as a Swedish digital lender, though Klarna's BNPL-led model targets consumers rather than SMEs; useful as a comparable on funding, brand, and scale.
• TF Bank: Nordic bank offering consumer loans, savings accounts, and credit cards via digital channels. Comparable to Fedelta as a deposit-funded Nordic lender with a similar digital-first deposit and loan proposition.

Regional players

• Lunar: Nordic challenger bank headquartered in Denmark, offering consumer banking, savings, and lending across the Nordics. Comparable to Fedelta as a digital Nordic deposit-taking lender, though primarily consumer-focused and geographically broader.
• Bank Norwegian: Norwegian digital bank offering consumer loans, credit cards, and savings accounts in the Nordics. Comparable to Fedelta as a digital deposit-taking lender, with a primarily consumer rather than SME focus.

Others

• Trustly: Swedish fintech specializing in account-to-account payments and open banking infrastructure. Thematically related to Fedelta as another Swedish fintech operating under European financial regulation, but operates in payments rather than deposit-and-lend.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fedelta
• Facebookfacebook.com/Fedeltafinans

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Fedelta