Tillväxtbolaget för Sveriges lantbrukare

What Tillväxtbolaget för Sveriges lantbrukare does

Tillväxtbolaget för Sveriges Lantbrukare AB is a privately held Swedish specialty finance company founded in 2018 and headquartered in Segeltorp, Sweden. The company is owned by four major Swedish agricultural organizations — Lantmännen, LRF (Lantbrukarnas Riksförbund), Scan Sverige, and Växa — and exists to provide supplementary loan capital to Swedish agricultural businesses making sustainable investments in primary food and energy production. Its stated mission is to bridge the financing gap between farmers' investment ambitions and traditional banks' risk appetite, with a focus on generational ownership transitions, leasehold takeovers, agricultural building construction, and production expansion.

The company offers two core loan products: Topplån (Top Loan), a supplementary senior loan covering up to 20% of total investment with maturities up to 15 years (including an amortization-free period) at STIBOR-linked variable interest rates historically ranging 4-7%; and Grönt Lån (Green Loan), a sustainability-linked product offering up to 1 million SEK directly without bank co-financing at a 0.5% interest discount, with eligibility requiring measurable climate transition at the farm level. Both products require collateral (mortgage or corporate charge) and involve a manual, relationship-driven underwriting process that includes website inquiry, 24-hour callback, phone consultation, document review, physical on-farm meeting, bank consultation, and credit evaluation — typically concluding within 2-3 weeks.

The go-to-market is exclusively direct sales within Sweden, with no public pricing or disclosed financial metrics. Distribution is anchored by referral networks through the four owner organizations, supplemented by a corporate website, LinkedIn presence, and direct contact forms. The company operates with a small team of approximately 1-10 employees, including a CEO, Vice CEO with customer responsibility, a finance manager, and a credit manager with customer responsibility. All lending is domestic, collateralized, and positioned to complement — rather than compete with — primary bank financing for Swedish agricultural enterprises.

Name

Tillväxtbolaget för Sveriges lantbrukare

Legal name

Tillväxtbolaget för Sveriges Lantbrukare AB

Website

https://tillvaxtbolaget.nu

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Tillväxtbolaget för Sveriges lantbrukare is a Swedish specialty lender owned by Lantmännen, LRF, Scan Sverige, and Växa, offering supplementary Topplån and Green Loan products to Swedish agricultural enterprises for sustainable on-farm investments.

Ownership category

akta.pro rank

Product category

Agricultural Lending

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Agricultural & Rural Microfinance (FSAKAGAG)

akta.pro secondary industry

Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO)

Keywords

• Agricultural lending
• Farm financing
• Agricultural loans
• Sustainable investment loans
• Green loan financing

Headquarters

HQ city

Segeltorp

HQ country

Sweden

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Topplån (Top Loan): Supplementary senior loan product for agricultural businesses making investments in primary food and energy production. Provides up to 20% of total investment amount with maturity up to 15 years including 1 year amortization-free period. Interest is STIBOR-linked variable rate.
2. Grönt Lån (Green Loan): Sustainable investment loan offering up to 1 million SEK directly without bank co-financing, at 0.5% lower interest than regular top loan. For investments exceeding 1 million SEK, can finance 1 million SEK plus approximately 20% of excess amount. Requires demonstration of climate transition via recognized measurement tools.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Tillväxtbolaget för Sveriges lantbrukare is a specialized agricultural lender providing supplementary loan products to Swedish farming businesses. It offers Topplån, a senior loan complementing bank financing for sustainable investments in primary food and energy production, and Grönt Lån, a green loan for climate-transitioning investments with preferential pricing.

Product overview

Tillväxtbolaget för Sveriges lantbrukare operates as a specialized agricultural financing company offering two core loan products: Topplån (Top Loan) and Grönt Lån (Green Loan). Topplån serves as a supplementary financing option for agricultural businesses investing in primary food and energy production, including generational transitions, farm takeovers, building construction, and production expansion—with loan terms up to 15 years and amounts up to 20% of total investment. Grönt Lån targets climate-conscious investments at farm level, offering up to 1 million SEK directly without bank co-financing at a discounted rate, with financing extended up to approximately 20% of investments exceeding 1 million SEK. Both products require standard credit assessment including collateral through mortgages or company charges and sustainable economic calculations.

Differentiator

Problem solved

Functional benefit

Brands

• Topplån: Senior loans for agricultural investments, complementing bank financing with terms up to 15 years including up to 1 year amortization-free period.
• Grönt Lån

Products and services

• Topplån (Top Loan) A supplementary senior loan designed as a complement to bank financing and the borrower's own funds, offered to agricultural businesses making investments in primary food and energy production. Loans are granted for generational or ownership transitions of agricultural properties, taking over leased farms, constructing economic buildings, or expanding production. Up to 20% of total investment amount, maturity up to 15 years including 1 year amortization-free, STIBOR-linked variable rate.
• Grönt Lån (Green Loan) A green loan designed to demonstrate climate transition at farm level through recognized measurement tools. Agricultural enterprises can borrow up to 1 million SEK directly from Tillväxtbolaget without requiring bank co-financing, at an interest rate 0.5% lower than the regular top loan. For investments exceeding 1 million SEK, the company can finance 1 million SEK plus approximately 20% of the excess. Minimum loan amount 300,000 SEK, maturity up to 10 years including 1 year amortization-free.

Segments1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves3 records

Expansion highlights3 records

Broad incumbents

• BayernLB: German regional bank operating one of Europe's largest agricultural lending portfolios, including long-term real-estate and investment financing for farms across Germany.
• Rabobank: Global cooperative bank and the dominant international agricultural lender, offering a broad suite of ag financing products worldwide; serves as the European benchmark for agricultural-sector lending scale.
• Swedbank: Leading Nordic retail and agribusiness bank with a long-standing Swedish agricultural loan book; competes with Tillväxtbolaget in the same farm-borrower segment as a full-service incumbent.
• Nordea: Nordic universal bank with dedicated agricultural lending operations across Sweden, Finland and the Baltics, competing for the same farm-investment borrowers as Tillväxtbolaget but with broader balance sheet capacity.

Direct peers

• Landkreditt Bank: Norwegian farmer-owned cooperative bank providing loans to Norwegian agriculture; structurally analogous to Tillväxtbolaget in being a member-owned lender focused exclusively on the farming sector.
• DLR Kredit: Danish agricultural mortgage institution specializing in real-estate financing for Danish farms; directly comparable as a Northern European agricultural real-estate lender with a similar supplementary-loan role.
• Lantmännen Finans: Captive finance arm of Lantmännen — one of Tillväxtbolaget's four owners — providing financing solutions across the Swedish agricultural value chain, including equipment financing for Lantmännen members.
• Landshypotek Bank: Sweden's largest farmer-owned bank and agricultural mortgage institution, founded on the same cooperative principle as Tillväxtbolaget and serving the same borrower base across Swedish agriculture with farm real-estate financing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInse.linkedin.com/company/tillv%C3%A4xtbolaget-f%C3%B6r-sveriges-lantbrukare-ab

Compliance1 record

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 Tillväxtbolaget för Sveriges lantbrukare