Project Finance
Invest in loans for projects
With our Project Finance product, you have the opportunity to invest in interesting loans for real estate projects, management projects, and business credits.
By investing in loans for projects, you assume the full risk of the investment, including the risk of losing parts or all of the invested capital. The state deposit guarantee does not apply. Read more about risks here.
Your capital - your choices
Project Finance is the product for you if you have the knowledge and interest to make your own assessment and select individual investment projects that align with your strategy.
You can invest in various projects and thereby choose the return and risk level you want to add to your portfolio. The minimum investment in a project is usually SEK 5,000, and after that, you decide how much capital to allocate to each project.
Our projects
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.
Invest smarter and safer
For success in investments in these types of projects, a mature assessment of risk tolerance, potential return, and how these investments interact with the overall portfolio is required.
In addition to detailed prospectuses and our own risk classification model, which assigns a risk rating to each project, we have also gathered both general risks and risks specific to investments on SaveLend on one page. There, you can learn more about how risks can be managed and diversified to your advantage, allowing you to save money in a safer way.
Statistics and default rate disclosure
Number of loans intermediated
Totalt
10
2024
7
2023
3
Intermediated volume
Totalt
SEK 70 800 000
2024
SEK 56 250 000
2023
SEK 14 550 000
Repaid loan volume
Totalt
SEK 31 550 000
2024
SEK 31 550 000
2023
SEK 0
Average volume-weighted annual interest rate according to agreement
Totalt
13,21%
2024
12,95%
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
1. Explore projects
Explore the available projects and identify those that match your investment goals.
2. Invest
Once you find a project that meets your preferences, it's time to choose how much you want to invest.
3. Track progress
After investing in a project, you can track its progress on your account. This means staying updated on the project's milestones until it is completed.
4. Receive returns
Watch how your investment develops over time and receive returns.
Do you have any questions?
Here are some of the most common questions and concerns about Project Finance. If you have any additional questions, feel free to contact us via chat, email, or phone.
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How do I invest in crowdfunding?
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.
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What does Project Finance mean at SaveLend?
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.
How do I invest in projects?
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.
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How often do you publish new projects?
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. -
How do you check the companies that own 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.
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Does the bonus system apply to Project Finance?
Yes, the capital invested in the project depot contributes to your investor level. This also means that fees deducted from the project depot are affected by your bonus level.
See the different levels and how to achieve them: Bonus system.
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Why do I need to complete a knowledge test before investing in 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 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.