SaveLend Fixed
With SaveLend Fixed, you get a simple and efficient saving solution. Your capital is locked for at least 12 months and provides a fixed return of 5.5% at the end of the term. The minimum deposit for SaveLend Fixed is SEK 10,000, and the maximum deposit is SEK 2,000,000.
The funds are invested in interest-bearing assets and are locked for either 12 or 24 months. Not covered by the government deposit guarantee.
With the ambition to offer market-leading interest rates, SaveLend Fixed has become an attractive option for companies and organizations seeking stable saving alternatives outside the stock market. For those who value simplicity and transparency, we provide a solution that combines high returns with low risk. Our service is a smart and efficient solution for businesses looking to optimize their capital without unnecessary administration or risk exposure.
Your capital is placed in loans to companies and individuals, generating stable returns in the form of interest. Should the loans yield less than the guaranteed return, SaveLend covers the difference. Conversely, if the return exceeds the guaranteed rate, SaveLend retains the surplus. This model ensures that your company or organization maintains a solid return while reducing the risk of unexpected fluctuations. It’s an efficient solution for safeguarding your capital and generating stable cash flows.
When using SaveLend Fixed, your capital is not covered by the government deposit guarantee. However, the model includes built-in protection for your capital, meaning that even if SaveLend were to face insolvency, your capital would not be lost. The funds are invested in a portfolio of various loans to multiple borrowers, and your company — not SaveLend — has the right to reclaim the capital.
Regardless of SaveLend's status, you as an investor retain the right to receive repayments and interest directly from the borrowers.
This also means that there is no upper limit of SEK 1,050,000 for capital protection, unlike accounts covered by the government deposit guarantee.
With us, you can get started smoothly and securely in just five minutes!
Here are some of the most common questions and concerns about SaveLend Fixed. If you have additional queries, 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.
You make a deposit via Swish, Trustly, or bank transfer to a "Transfer Depot", or you can also transfer money from an existing depot.
Note that with bank transfer, it can take 1–2 banking days before the money appears in the "Transfer Depot".
You can start a SaveLend Fixed 12 months and a SaveLend Fast 24 months every month and have them running at the same time. Note that the number of accounts issued is limited each month and it is the "first come" principle that applies. When an account is fully subscribed it will say "Fully subscribed" and it will not be possible to select that account.
With SaveLend Fixed, you tie up your money for 12 or 24 months, you choose. When the binding period is over, your invested capital and interest will be paid out to your Transfer depot. This depot is not connected to any strategy, which means that capital located there is not automatically invested.
The Transfer depot has two purposes:
1. To temporarily store the capital to be placed in your SaveLend Fixed Account.
2. To receive and store your invested capital and earned interest after the end of the term until you decide what to do with your money.
You can withdraw your money from the Transfer depot at once, reinvest it in a new SaveLend Fixed Account or transfer it to a account with an active strategy for automatic investment.
Your invested money in SaveLend Fixed is not covered by the state deposit guarantee. However, when you use SaveLend Fixed, your invested money is protected in such a way that you have a direct contractual claim against the borrowers. This means that it is the borrowers who are obligated to repay the money to you, and this obligation is not affected if, against all odds, SaveLend were to become insolvent.
In the event of bankruptcy, SaveLend will transfer the continued management of the platform to another party, who will then ensure that borrowers’ payments can continue as usual to you as an investor. If that party is unable to collect the claims, you will ultimately have the right to pursue the claims against the borrowers yourself. If SaveLend decides to wind down its operations, we will continue to manage the borrowers' payments to you as long as you have an outstanding claim.
Only accounts with credit institutions (i.e. banks and credit market companies) are covered by the State Deposit insurance. As SaveLend is not a bank or a credit market company, it is unfortunately impossible for us to offer this guarantee. However, this does not mean that your capital is unsafe with SaveLend, because of the model of a built-in capital protection.
Your money at SaveLend is protected differently depending on whether the capital is invested or not:
As SaveLend is a payment institution, we are required by law to always protect investors' money by keeping it in an account, completely separate from SaveLend's operations. We have no right to the capital even if we end up insolvent. This therefore applies if, for example, you have put money into the platform but have not yet chosen how it will be invested, or if the Fixed Interest Account has not yet been activated.
When you start using SaveLend's savings platform, the money is automatically invested for you as a customer. This also applies when you use the Fixed Interest Account. Once the money is invested, it is protected in such a way that you (and not SaveLend) have a direct right to your money vis-à-vis the person or company with whom the money was invested, as the loan agreement is written between lender and borrower. If SaveLend goes bankrupt, that right is not affected at all. Your capital is never counted as an asset for SaveLend and thus does not risk being included in the bankruptcy estate should SaveLend go bankrupt.
SaveLend has existed for ten years, is under the supervision of the Financial Supervisory Authority through several permits and is listed on Nasdaq First North. So, our business is under full transparency and control.
On the first of each month, your capital is automatically transferred to SaveLend Fixed and then invested by the interest robot.