Project Finance
With our Project Finance product, you have the opportunity to invest in intriguing loans for real estate projects, management projects, and corporate credits.
By investing in project loans, you take on the full risk of the investment, including the risk of losing part or all of the invested capital. The government deposit guarantee does not apply. Read more about risks here.
Project Finance is designed for those with the expertise and interest required to make their own assessments and select specific investment projects that best align with their strategic goals.
Our projects offer the opportunity to achieve high returns while diversifying capital across a broad range of initiatives. You decide the risk level and how much capital to allocate, giving you full control over how your capital works towards your organization’s long-term growth and success.
12 000 000 SEK
Minimum investment 5 000 SEK
Risk score
B
Annual interest
12,00 %
Term
12 mo.
12 000 000 SEK
Minimum investment 5 000 SEK
Risk score
C
Annual interest
13,00 %
Term
12 mo.
5 000 000 SEK
Minimum investment 5 000 SEK
Risk score
C
Annual interest
14,00 %
Term
9 mo.
2 000 000 SEK
Minimum investment 5 000 SEK
Risk score
D
Annual interest
15,00 %
Term
11 mo.
10 000 000 SEK
Minimum investment 5 000 SEK
Risk score
B
Annual interest
13,00 %
Term
12 mo.
10 000 000 SEK
Minimum investment 5 000 SEK
Risk score
B
Annual interest
13,00 %
Term
12 mo.
5 250 000 SEK
Minimum investment 5 000 SEK
Risk score
B
Annual interest
13,00 %
Term
12 mo.
5 000 000 SEK
Minimum investment 5 000 SEK
Risk score
C
Annual interest
14,00 %
Term
12 mo.
6 300 000 SEK
Minimum investment 5 000 SEK
Risk score
B
Annual interest
14,00 %
Term
12 mo.
3 250 000 SEK
Minimum investment 10 000 SEK
Risk score
D
Annual interest
15,00 %
Term
16 mo.
Success in these types of investments requires a mature balance of risk tolerance, potential returns, and how these investments integrate into your overall portfolio.
In addition to detailed project prospectuses and individual risk ratings for each project, we have compiled both general risks and risks specifically associated with investments on SaveLend into one place. This knowledge allows you to diversify your risks and invest more securely and sustainably, ensuring stable returns that support your organization’s long-term goals.
Number of loans intermediated
Totalt
9
2024
6
2023
3
Intermediated volume
Totalt
58 800 000 kr
2024
14 550 000 kr
2023
44 250 000 kr
Repaid loan volume
Totalt
11 550 000 kr
2024
11 550 000 kr
2023
0 kr
Average volume-weighted annual interest rate according to agreement
Totalt
13,46 %
2024
13,20 %
2023
14,22 %
Total number of loans in defaults in the period1
Totalt
0
2024
0
2023
0
Actual default rate - the proportion of loans in default of total intermediated loans in the period
Totalt
0,00 %
2024
0,00 %
2023
0,00 %
Expected default rate2
Totalt
0,00 %
2024
0,00 %
2023
0,00 %
1) A loan is considered to be in default if the borrower has been in arrears for over 90 days on any significant credit obligation linked to the loan, or if SaveLend deems it unlikely that the borrower will be able to fulfill their obligations regarding the loan. A loan is recorded as being in default for the year it was issued, even if the default occurs in a different year.
2) The expected default rate is based on an estimate derived from the actual default rate since 2023-11-20.
How to activate your investment
Browse the available projects and identify those that match your investment goals.
Once you find a project that suits your preferences, decide how much you wish to invest.
After investing in a project, you can track its progress in your account. Stay updated on the project’s milestones until completion.
Watch your investment grow over time and earn returns.
Here are some of the most frequently asked questions about Project Finance. If you have additional questions, feel free to contact us via chat, email, or phone.
Yes! You can smoothly and easily register a business account by:
Register an investor account as usual and complete the KYC (Know Your Customer) form.
Navigate to the Depot overview, click "My account" and then "Change depot".
Then click the "+" sign and "Add Company".
Follow the on-screen instructions to complete the registration of your business.
Today you can invest in SaveLend's subsidiary Svensk Kreditförmedling's real estate and rental projects on our savings platform. These credits were previously mediated through the originator SKF but will, in the future, be mediated through SBL Finans. This type of financing is now called crowdfunding. To comply with the new EU regulations regarding crowdfunding, SaveLend is obliged to ensure that everyone who participates in these investments has certain knowledge within it. Therefore you need to complete a knowledge test on our platform before you start investing in crowdfunding.
When you activate the strategy the test will appear.
Your previous investments made through the originator SKF will continue as usual as the new EU regulations rules do not apply to previously mediated credits.
SaveLend works continuously to identify interesting projects to offer our investors and we continuously present new opportunities on the platform and our website here.
Unfortunately, it is not possible to determine in advance exactly when these projects will be available on the platform. To keep you informed about upcoming investment opportunities, we invite you to subscribe to our newsletter. By doing so, you will receive email notifications before we launch new projects.
SBL Finans AB (publ), which is a consumer credit institution and provider of crowdfunding services in SaveLend, always conducts a thorough credit analysis of both the borrower and the specific project before any loan is brokered, regardless of whether it is project finance or other forms of loans. In case of project finance, SBL Finans AB will also provide comprehensive documentation and materials.
This gives you as a potential investor the opportunity to independently carry out a thorough analysis of the project. The goal is to ensure that the proposed loan is consistent with your individual risk tolerance and investment strategy.
Project Finance offers the opportunity to invest in different types of projects such as management and real estate projects or business loans. You can invest in projects separately or in conjunction with regular strategies on the platform.
The terms such as minimum investment, term, fees, amortization and interest payment rate for each project vary and are stated in the project description.
1. Explore available projects.
At the beginning of your investment journey, you can explore the available projects on the SaveLend platform or our website here. These projects can be in different sectors and have different goals. You can learn more about each project and its details before making your investment decision.
2. Reserve the desired amount.
When you find a project that interests you, you have the opportunity to reserve the amount that you want to invest. You get a 4-day reflection period for each project from when the reservation is made. This means that you can cancel your reservation during this period. This also gives you time to top up your depot with funds for the reservation. After the reflection period has passed, your reservation becomes binding.
3. Deposit money for your investment in the project.
After you have reserved the amount for your chosen project, it is time to deposit your investment funds in a depot dedicated to projects. We automatically create a special project depot for you in connection with the first reservation. That depot does not have an automated savings strategy, but it is where your project finance investments are kept.
4. Get allocation.
Credit shares are allocated to investors' deposits when the project is financed. Allocation takes place on a first-come, first-served basis. Therefore, it is important to have enough capital in your "Project Finance"-depot to enable your investment. Also, note that your investment may be less than your chosen amount if the project is oversubscribed.
If you got an allocation, your credit share will be visible on your Holdings page shortly after the funding round for the project has closed.
5. Follow up on the project's development.
Once an investment has been completed, you have the opportunity to follow the project's development via the platform. This includes keeping you informed of the project's progress and results. We update the information about the projects on an ongoing basis.
All significant changes are also communicated via e-mail.
6. Get returns.
Depending on the type and duration of your project, you can expect to receive a return on your investment when the project reaches its end or during the specified return period. This is the reward for your investment and can help you meet your financial goals.
As the project depot does not have an active savings strategy, your return will not be automatically invested in other credits. But you can use the feature of automated transfers between depots to reinvest your returns and take advantage of the interest-on-interest effect.
To comply with the new EU regulations regarding crowdfunding, SaveLend is obliged to ensure that everyone who participates in these investments has certain knowledge in this field. Therefore, you must complete a knowledge test on our platform before starting to invest in crowdfunding. The questions are developed based on the EU's requirements for what information we must receive.
An investment in a crowdfunding project includes the risk of losing the entirety of the money invested. Crowdfunding services may therefore be unsuitable for some investors.
If you do not complete the test, you will not be able to activate the Balanced or Yield strategies. In this case, you can activate the Freedom strategy without the possibility of investing in real estate and rental projects.