OPR-Finance
OPR-Finance AB (OPR-Företagslån) is a Stockholm-based, Finansinspektionen-licensed digital lender offering unsecured business loans (SEK 30K–1M) and revolving business credit (up to SEK 200K) to Swedish small businesses, underwriting via its proprietary Xpektor real-time financial data platform.
- Company typePrivate
- Founded2015
- HeadquartersStockholm, Sweden
- Headcount11–50
- GTM typeB2B
- OfferingServices
What OPR-Finance does
OPR-Finance AB (operating as OPR-Företagslån) is a Stockholm-based, Finansinspektionen-licensed digital lender serving Swedish small and medium-sized businesses that lack traditional collateral. The company, a wholly-owned Swedish subsidiary of Helsinki-based OPR-Finance Oy, was founded in 2015 and launched its B2B offering in 2016, targeting aktiebolag, enskilda firmor, handelsbolag, and kommanditbolag with two core products: a term business loan of SEK 30,000–1,000,000 over 6–24 months, and a revolving business credit (OPR-Företagslån Flex) of up to SEK 200,000. Applications are processed fully online using BankID authentication, with same-day credit decisions before 14:00 and same-day payouts on approved applications.
The company underwrites using its proprietary Xpektor platform, which ingests real-time accounting data (Visma/Fortnox), bank transaction data via PSD2 (Enabled Banking Oy), and Skatteverket tax-account information, and complements this with credit reports from Creditsafe and Kreditz. Personal guarantees (one for loans up to SEK 200,000, two above) replace corporate collateral. Distribution is exclusively direct and digital — no branches or intermediaries — supported by content marketing, LinkedIn, YouTube, and Trustpilot presence.
The revenue model is primarily interest-driven: monthly interest of 5% and a 3% withdrawal fee on used Flex balances, fixed monthly costs on term loans inclusive of all administrative fees, and 24.9% late payment interest. The Swedish subsidiary has served over 4,000 business customers since 2016 and operates with approximately 19 employees, drawing on the broader scale and credit expertise of its Finnish parent, which has supported over 300,000 companies and individuals across several European countries since 2005.
OPR-Finance firmographics
Firmographics- Name
- OPR-Finance
- Legal name
- OPR-Finance AB
- Website
- https://opr.se
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- OPR-Finance AB (OPR-Företagslån) is a Stockholm-based, Finansinspektionen-licensed digital lender offering unsecured business loans (SEK 30K–1M) and revolving business credit (up to SEK 200K) to Swedish small businesses, underwriting via its proprietary Xpektor real-time financial data platform.
- Ownership category
- akta.pro rank
OPR-Finance industry classification
Industry- Product category
- SME Business Lending
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)
- akta.pro secondary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where OPR-Finance is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices2 records
Markets served
OPR-Finance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Business Loan Interest: Interest income from business loans ranging from SEK 30,000 to 1,000,000 with repayment periods of 6-24 months. Fixed monthly costs covering all administrative expenses.
- Business Credit (Flex): Ongoing credit facility up to SEK 200,000. Revenue generated from monthly interest (5%) on withdrawn amounts and withdrawal fees (3%). No fees when credit is unused.
- Late Payment Interest: Late payment interest of 24.9% on invoiced amounts for both business loans and credits.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Monthly | Business Loan: SEK 30,000 - 1,000,000, 6-24 months repayment |
| Usage-based | Pay-as-you-go | Business Credit (Flex): Up to SEK 200,000 credit limit |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
OPR-Finance product offering
Product offeringCore offering
OPR-Finance AB (operating as OPR-Företagslån) is a Swedish licensed fintech that provides unsecured business loans (SEK 30,000 to 1,000,000 with 6-24 month repayment) and revolving business credit facilities (up to SEK 200,000) to Swedish small and medium-sized businesses through a fully digital application process authenticated by BankID. The company requires only personal guarantees rather than traditional corporate collateral, and uses its proprietary Xpektor platform to perform real-time credit assessments based on accounting and bank transaction data.
Product overview
OPR-Finance (through its Swedish subsidiary OPR-Företagslån) offers two core financing products for Swedish small and medium-sized businesses: (1) OPR-Företagslån - a traditional business loan ranging from SEK 30,000 to 1,000,000 with fixed repayment periods of 6-24 months; and (2) OPR-Företagslån Flex - a flexible business credit line of up to SEK 200,000 where customers only pay for what they use. Both products are designed for companies that cannot provide traditional collateral, requiring only personal guarantees (proprieborgen). The company also offers Xpektor as a supplementary financial data platform that connects to accounting systems and bank accounts to provide real-time financial information for more accurate credit decisions.
Differentiator
Problem solved
Functional benefit
Brands
- OPR-Företagslån Flex: A flexible business credit (företagskredit) offering revolving credit up to SEK 200,000 with no account fees. Customers pay only for amounts withdrawn with a 3% withdrawal fee and 5% monthly interest on outstanding balance.
Products and services
- OPR-Företagslån (Business Loan) An unsecured business loan product offering between SEK 30,000 and SEK 1,000,000 with fixed monthly repayments over 6 to 24 months. Designed for Swedish small business owners (aktiebolag, enskild firma, handelsbolag, kommanditbolag) who need fast financing without providing company collateral — only a personal guarantee (proprieborgen) is required (one guarantor for loans up to SEK 200,000; two guarantors above that).
- OPR-Företagslån Flex (Företagskredit) A flexible revolving business credit line of up to SEK 200,000 that customers draw on as needed. No account or start-up fees; customers pay 5% monthly interest and a 3% withdrawal fee only on the amounts actually used. Late payment interest is 24.9%. Suitable for businesses with uneven cash flow that need an ongoing financial buffer.
- Xpektor A digital financial data platform that reads real-time data from a company's accounting systems (Visma/Fortnox), bank transactions via PSD2 (Enabled Banking Oy), and Skatteverket (Swedish Tax Agency). Xpektor automates bookkeeping and provides current financial status information to enable faster and more accurate credit decisions for SMEs.
Quantifiable outcome
- Same-day credit decision for applications received before 14:00
- +2 more outcomes
Companies that use OPR-Finance
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
OPR-Finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature1 record
OPR-Finance partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- XpektorcoreXpektor is a digital platform that provides real-time financial data analysis for credit assessments. It reads data from company's accounting systems (Visma/Fortnox), bank transactions via PSD2 connections, and Skattekonto (tax account). This enables OPR to assess current financial status rather than relying only on historical data.
- CreditsafecoreCreditsafe provides credit reporting and scoring services for assessing company and personal creditworthiness. Their rating system (1-100 scale) forecasts insolvency likelihood and helps OPR make informed credit decisions. Unlike UC, Creditsafe doesn't share credit information with other actors.
- Enabled Banking OycoreEnabled Banking Oy provides PSD2-compliant account information services, enabling secure data sharing between banks and OPR's systems. They are certified AISP providers compliant with Finnish, Swedish, and EU privacy regulations including GDPR.
- TrustpilotminorCustomer review platform where OPR-Företagslån displays customer satisfaction ratings and reviews to build trust with prospective customers.
Scale indicators5 records
Recent moves10 records
Expansion highlights5 records
OPR-Finance competitors and assessment
Company assessmentDirect peers
- Froda: Swedish fintech offering unsecured business loans and credit lines to SMBs via a fully digital application process with BankID. Most direct Swedish competitor to OPR-Företagslån in product, customer, and delivery model.
- Qred: Nordic SMB-focused digital lender providing business loans and credit lines across Sweden, Finland, Norway, and the Netherlands. Closely comparable in product offering (unsecured SMB credit) and target customer (small businesses without collateral).
- Capitalbox: Swedish SMB lender offering business loans and credit lines via BankID-based digital onboarding. Directly competes with OPR on ticket size, target customer, and same-day funding model.
- Capital Loans: Swedish online SMB lender offering unsecured business loans with digital application. Directly comparable in customer profile, ticket size, and digital-first delivery to OPR-Företagslån.
Others
- Tink: Visa-owned open banking platform enabling PSD2 account aggregation across Nordic banks. Directly enables OPR's Xpektor data flows and is a relevant infrastructure/ecosystem peer rather than a direct competitor.
- Nordic Capital: Large Nordic private equity firm with portfolio exposure to Swedish fintech and financial services. Relevant as a likely capital source / consolidator in the Nordic SMB lending market rather than as a product competitor.
Broad incumbents
- Klarna: Swedish-founded BNPL and broader fintech with growing SMB merchant services. Not a direct SMB lender but a large Swedish fintech incumbent whose regulatory relationships and capital base set competitive context for OPR.
- Almi: Swedish state-owned financial group providing loans and venture capital to SMBs. Established incumbent in the same target segment, though typically serving larger or more growth-stage borrowers than OPR.
- Svea Bank: Large Nordic financial group offering SMB lending, factoring, and payment solutions across multiple countries. Established incumbent that competes for the same SMB customer base but with a much broader product portfolio.
Regional players
- Krea: Finnish SMB financing platform offering business loans and credit lines to small businesses. Comparable product offering to OPR-Företagslån, with the same Finnish parent group's domestic market context.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
OPR-Finance social profiles
Digital presenceOPR-Finance compliance and trust
Trust signalCompliance2 records
OPR-Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
OPR-Finance leadership team
Management profileNumber of profiles
Profiles2 records
OPR-Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OPR-Finance 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 OPR-Finance
What does OPR-Finance do?
OPR-Finance AB (operating as OPR-Företagslån) is a Swedish licensed fintech that provides unsecured business loans (SEK 30,000 to 1,000,000 with 6-24 month repayment) and revolving business credit facilities (up to SEK 200,000) to Swedish small and medium-sized businesses through a fully digital application process authenticated by BankID. The company requires only personal guarantees rather than traditional corporate collateral, and uses its proprietary Xpektor platform to perform real-time credit assessments based on accounting and bank transaction data.
Is OPR-Finance a public or private company?
OPR-Finance is a private company. It is classified as corporate owned and is currently operating.
When was OPR-Finance founded?
OPR-Finance was founded in 2015. It employs 11 to 50 people.
Where is OPR-Finance based?
OPR-Finance is headquartered in Stockholm, Sweden, in the Europe region.
How does OPR-Finance make money?
Three revenue lines are on record. Business Loan Interest is the primary driver. The others are business Credit (Flex) and late Payment Interest.
Who are OPR-Finance's main competitors?
Direct peers on record are Froda, Qred, Capitalbox and Capital Loans. Others are Tink and Nordic Capital. Broad incumbents are Klarna, Almi and Svea Bank. Krea is listed as a regional player.
Does OPR-Finance have an API?
No public API is recorded for OPR-Finance.
What industry is OPR-Finance in?
OPR-Finance's product category is SME Business Lending. Its primary akta.pro industry code is FSAKAGAJ, SME Lending Platforms & Embedded SME Credit, with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 5222 and its SIC code is 6153.