Sweden
Stockholm has built one of Europe's strongest technology and startup ecosystems, which sits alongside a traditional Swedish manufacturing and export base served by the major Nordic banks. The two ecosystems use quite different funding tools, with venture debt and growth finance common among scaling technology firms and conventional term lending dominant elsewhere.
| Structure | Where it works |
|---|---|
| Term loan | Available through the major Nordic banks, generally with efficient digital applications. |
| Venture debt | Well established for scaling technology companies alongside institutional equity backing. |
| Factoring | Common for manufacturing and export businesses managing receivables across multiple markets. |
| Commercial mortgage | Available for owner occupiers and investors, with high valuations typical in central Stockholm. |
Technology companies seeking venture debt should have a recently closed equity round and clear revenue growth metrics ready.
Manufacturing exporters should prepare receivables ageing and customer concentration data, since factoring pricing is sensitive to both.
Central Stockholm property values are high, so smaller purchasers may find better value looking slightly outside the immediate city centre.
Yes, the city's deep technology and venture capital ecosystem supports a genuinely active venture debt market, more so than most European cities outside London.
They generally run efficient digital processes for standard applications, which tends to make conventional term lending faster than the European average.
They can be, since high values increase the capital required for a given facility size, which is why some smaller purchasers look to areas just outside the immediate centre.
Tell us what the business in Stockholm needs and we will structure the request and approach the providers whose criteria match. No upfront fees, charges apply only once funding completes.
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