Capcito was founded in 2015 and has already helped thousands of business owners get access to fair financing.

1 000 000 000 +

7 700

734 837

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Borrow up to two million swedish krona without hidden fees. The easy way to finance your business. One hundred percent free of unfair pricing, lock-ins and confusing terms.

Managing a business is hard, that is why we have made business loans simple. We know being an entrepreneur is about dreaming, working hard and building something unique. Whether you dream about expanding your company or smoothing out cashflow dips, Capcito is here to offer you a possibility to secure and grow your dreams.

With new technique, real time data and personal service, we can offer you a business loan designed for companies just like yours. Our terms are fair, transparent and provide a safety for you to focus on what you do best; your business's wellbeing and growth. No hidden fees or lock-ins. Apply today and get a free quota.

Get a free offer by answering a couple of quick questions about your company. If you connect your business system, you can get an even better offer.

A fair price in minutes

Say goodbye to unfair pricing, lock-ins and confusing terms. Thanks to real-time data, even companies with weaker historic data can get access to flexible financing.

Personalized offers

When an application is approved, we pay out right away. In most cases, that means money in your account as soon as the same day. You always decide the personal guarantor.

Up and running within 24 hours

Amortization is done on a weekly basis, which means you pay back your loan faster whilst lowering your costs. You can also pay back the entire loan whenever you want at no extra cost.

Less risk, less hassle

How it works

* Business loans from Capcito come free of hidden fees. You only pay interest and amortization, nothing else.
* Our loans have a maximum term of 24 months.
* You can pay back your loan at any time at no extra cost.
* Our business loans are amortized weekly via autogiro (making your total interest rate lower).
* To qualify for one of our business loans, your business has to be at least 4 months old and not have and registered debt with Kronofogden.
* There has to be a natural person that can act as a guarantor.

We'll get back to you as soon as possible.

Thank you

Our team of experts is ready to discuss your needs to find the right solution.

Our Business Loan is the easiest and fastest way to finance your business on your terms. Regardless of whether you need a cash injection to grow or cover unforeseen expenses, we’ve got you covered.

How does Business Loan work?

Getting your personalized offer takes a minute. Simply answer a few quick questions about your business and let us analyze your sales. We’ll then get back with a great offer, regardless of whether you need cash today or a line of credit for the future.

How do we get an offer?

No, but by connecting your business system to Capcito, we can analyze your sales in real-time and often give you an even better offer. Furthermore, it’ll save you both time and money through automatic bookkeeping of your loan.

Do we have to connect our business system to Capcito?

Capcito’s business loans are great if you want fast financing based on your current sales, without having to use your invoices as securities. Whilst your bank usually uses historic data, often leading to unfair offers, we base your offer on the here and now.

Why should we pick Capcito over our bank?

Personal guarantee implies that one or more persons act as a guarantee for payment in cases where the company can’t repay the loan. In extreme cases, these persons can be personally bound to repay the loan if the company can’t do so itself.

What does personal guarantee mean?

There are many advantages with connecting your business software to Capcito, but one of the most popular reasons is the automatic accounting, meaning small business owners can avoid hassle and save time. By signing in to your account, you can easily activate automatic accounting with the system of your choice. You’ll find both options under “Settings”.

How does the accounting work?

Business Loan interest is individually calculated and lies between 1%-3,5% per 30 days. There are no additional fees.

Amortization is weekly, which repays the loan faster whilst lowering your total interest. You can also repay the entire loan at any time, at no extra cost.

Your total interest depends on your loan term (3-24 months):

* If you borrow 50.000 SEK for 6 months with an interest of 2%, your total cost would be 3.370 SEK
* If you instead borrow 50.000 SEK for 12 months, your total cost would be 6.628 SEK

What does it cost?

You’ll find your own interest rate by signing in at [capcito.com.](/en/auth/sign-in)

Where can we see our interest rate?

Our Business Loan is a so called annuity loan, which means you pay the same amount every week. This amount includes both interest and amortization, meaning your interest and amortization will vary throughout your loan period. You’ll pay more in the beginning of your loan period as the amount to be amortized is bigger. As time goes by, the interest part of your payments will decrease in relation to your amortization part. The actual gross payment is always the same however, so you’ll always know how much to pay.

How do we repay the loan?

This is because weekly amortization means your debt decreases quicker than with monthly payments. As you always pay interest on the actual debt, this means you pay less total interest.

Why is the loan amortized on a weekly basis?

An unsecured business loan can be useful if a business does not have financial statements from the previous years to prove the validity of the business. For example if the company is new on the market. Instead of collateral, an unsecured business loan needs a personal guarantee.

What is an unsecured business loan?

Does Capcito offer business loans to sole proprietorships?

Banks, financial companies, government agencies and fintech companies.

Who offers business loans?

Put your invoices to work and get an open credit line that continually adapts to your sales. Borrow now and then or all the time, you only pay for what you use.

* Open line of credit
* Combine with business loan
* Minimal administration
* No hidden fees

Sell one or more invoices and get paid up to 99% of their value right away. Avoid the hassle of waiting to get paid and sending reminders whilst minimizing your credit risk.

* Get paid right away
* We take over sendouts and reminders
* Sell one or several invoices
* No hidden fees

Our business loans come without hidden fees and confusing terms. You decide how much and for how long and we'll take care of the rest.

* Get paid right away
* Pay us back whenever you want
* Personal guarantee
* No hidden fees

Looking for a specific type of financing?

Business Loan

A fair business loan

Quick, smart and on your terms

What are the terms?

Would you rather talk to someone?

Common questions about Business Loan

Three ways of financing your business

Invoice discounting

Factoring

Business Loan

Looking for a specific type of financing?