Savings Strategies
Automated saving
Our saving strategies are designed for companies seeking an automated investment approach, tailored to the business’s return goals and risk level. Repayments and returns are automatically reinvested as long as the strategy is active, allowing you to take advantage of compound interest.
Let your money work for you
We make it easy to save with interest. Inspired by the business model of large banks, we have created interest savings where you lend money to businesses and individuals and earn returns in the form of interest. You can choose between two different saving strategies: Balanced and Yield. Both strategies invest capital in a wide range of credit types, offering good risk diversification and high stability. For over a decade, we’ve helped businesses and individuals achieve long-term sustainable savings.
Balanced
Recommended Saving Horizon: 12–36 months with an annual target return of 6.5–7.5%. Minimum investment 2,000 SEK.
High liquidity and stable returns
Low risk
Fee-free secondary market (up to 100,000 SEK/year after 12 months)
The Balanced strategy is suitable for companies looking for stable returns and high liquidity. When choosing the Balanced strategy, capital is invested in a wide variety of low-risk credits with high cash flow.
Typically, interest payments are received monthly or quarterly. This strategy is also suitable for companies that want the option to withdraw invested funds. After each twelve-month period, you can sell investments up to 100,000 SEK free of charge.
Yield
Recommended Saving Horizon: 36+ months with an annual target return of 7.5–9.0%. Minimum investment 10,000 SEK.
High return
Medium risk
Fee-free secondary market (up to 100,000 SEK/year after 12 months)
The Yield strategy is suitable for companies that want to achieve higher returns over time.
When choosing the Yield strategy, capital is invested in a wide range of credits expected to generate higher returns, with some volatility and varying cash flow (monthly, quarterly, annually, or longer). The higher annual target return is based on a saving horizon of 36 months or longer.
Invest safer
There is a close correlation between risk and return. To be comfortable with your investments, it is important to understand the risks involved and how to minimize them. This applies to investments made through SaveLend as well.
We have gathered both general risks and risks specific to SaveLend investments on the same page. Here, you can read more about how risks can be managed and spread to your advantage, so you can invest in a safer and more effective way.
Get started
Once you have created a SaveLend account with a company account, you can easily deposit money either as a one-time deposit or by starting a monthly savings plan. You can withdraw any uninvested money from your SaveLend account at any time.
The invested capital is paid back continuously from the respective loans. It is also possible to free up capital early by selling investments on our secondary market. You can always choose whether you want to reinvest the returns or transfer them to a bank account.
Do you have any questions?
Here are some of the most common questions and concerns about our savings strategies. If you have additional questions, feel free to contact us via chat, email, or phone.
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Can I invest in loans available on SaveLend as a company?
Yes, you can easily register a corporate account by following these steps:
Create a regular investor account and complete the KYC (Know Your Customer) form.
From the “Overview” page, go to the “More” menu and click “Create a business profile”.
Follow the step-by-step guide to complete the registration of your corporate account.
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How do I make a deposit?
You can view the instructions for transferring money to your SaveLend account by logging in and navigating to "Deposit."
You can conveniently choose to transfer your money directly using Swish, Trustly, or by making a regular bank transfer.
To make a deposit, select your preferred deposit method from the list and follow the instructions.
Swish
Via Swish, your money arrives immediately. The regulations for the maximum amount and how much it’s possible to swish vary from bank to bank. Log into your internet or mobile bank to see and change your settings.Instant Bank payment via Trustly
Direct transfer via Trustly takes between 15 min and 1 banking day. It is an open banking payment method that allows customers to shop and pay from their bank account online, without using a card or app.Bank transfer
Bank transfers can take up to 1–3 days. Transfers must be made from a bank account that you own.
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How do I make a withdrawal?
There are two types of withdrawals:
Withdrawal of available capital
Withdrawal of invested capital
Withdrawal of available capital
You can easily withdraw money that is not invested when logged in. If this is your first withdrawal, you first need to add a bank account (you only need to do this once).
Add a bank account
Go to More in the main menu
Select Bank accounts and Autogiro
Click Add account and follow the steps
Here you can add, edit, or remove bank accounts linked to your SaveLend account.
Make a withdrawal
Go back to the Overview
Click the plus icon and select Withdraw money (mobile), or choose Withdraw in the main menu (desktop)
Enter:
which account you want to withdraw from
the amount
the receiving bank account
Click Continue
Please answer our questions and leave us some feedback
Click Confirm withdrawal
Withdrawal of invested capital
If your capital is invested, you first need to sell credits on the secondary market to free up funds. This is available if you invest through one of our savings strategies. Read more about how to sell credits [here].
Good to know:
Selling on the secondary market may involve a fee
Special terms apply for Balanced and Yield:
You can sell up to SEK 100,000 fee-free per completed 12-month period
Any unused fee-free allowance carries over to the next period
View your investments for sale:
Go to Strategies
Select the relevant account
Click Credits listed for sale under Quick actions
Please note:
It may take some time for your investments to be sold, as they need to be purchased by other investors. -
Do you have a bonus system for companies?
Yes, just as for our private savers, our corporate investors also have the opportunity to take part in our bonus system.
See the different levels and how they are achieved here Bonus system -
Can I choose which loans and loan types my company invests in?
We have three savings strategies for SEK depots that have different target returns.
Balanced is a savings strategy for you who want to minimize the risk of credit losses and have maximum liquidity in your savings. This strategy has a slightly lower target annual return and suits you who have a shorter savings horizon.
Yield is the savings strategy for you who aim for a higher return and who understand that this entails slightly higher risk and greater fluctuations in savings.
If you have invested with the previous Freedom strategy, you can choose both the originator and the credit type and decide how much of your total capital can be placed in a single investment and get a higher or lower return depending on the settings.
Read more about our strategies here!
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What fees does my company pay?
By default, SaveLend charges are 10% on all interest earned.
All investors on our platform, on the other hand, have the opportunity to use our bonus system to reduce this to low 5% through, for example, share ownership (in SaveLend's listed share YIELD) or by investing different levels on our platform:
