Get price quotes for leasing, machine loans, and rentals with a single application
Better terms | Let 30+ lenders compete
Save time | Our advisers find the right agreement for you
Helped over
30 000
businesses secure the right funding
Mediated over
SEK 3,5 billion
to Swedish businesses
We let
30 +
banks and lenders compete for your business
Below you'll find the best equipment financing solutions for 2025. Last updated: April 4, 2025
We have researched which three equipment financing solutions had the lowest effective interest rate.
In 2024, Aros Kapital, Marginalen Bank, and Grenke Leasing offered the most cost-effective equipment financing solutions. Aros Kapital and Marginalen Bank are lenders that provide both business leasing and machine loans, while Grenke only offers a leasing solution.
Lender | Benefits | Maximum Amount | Interest Rate |
 |
| 30 000 000 | 8 - 13% |
 |
| 5 000 000 | 10 - 17% |
 |
| 3 000 000 | 8 - 18% |
We have researched which three lenders approve the most customers.
In 2024, the lenders with the highest approval rates were Nordic Finance, Qred, and Froda. Nordic Finance stood out with a particularly high approval rate of 74% of eligible applications.
Lender | Description | Maximum Amount | Interest Rate |
 |
| 15 000 000 | 8 - 22% |
 |
| 5 000 000 | 13 - 44% |
 |
| 5 000 000 | 9 - 28% |
We have selected three lenders that offer a high payout rate.
We have looked at the extent to which lenders realize their loan offers and found that they vary among themselves. Reasons for lenders retracting offers may include conducting a more thorough assessment of the customer's creditworthiness at a later stage. It is also influenced by how simple and smooth the lender's process is for new customers.
For 2024, we found that Qred, Froda, and Marginalen Bank were the lenders with the highest payout rates on average.
Lender | Description | Maximum Amount | Interest Rate |
|
| 5 000 000 | 13 - 44% |
|
| 5 000 000 | 9 - 28% |
|
| 5 000 000 | 9 - 16% |
Our lists of machine loans and leasing are updated monthly and summarize the terms for equipment financing from banks and other lenders we partner with.
In 2024, we assisted approximately 1,500 customers seeking equipment financing and compiled the average terms from financing companies.
The annual interest rate provided is the effective interest rate, based on data from the past six months, where we have reviewed actual offers from financing companies on our platform.
You decide the object and which supplier to buy from.
Tell us about your company and we'll gather offers from lenders that finance this type of object. Apply yourself or book a free call with one of our advisors.
Choose the offer that suits you best and sign the agreement. You can receive the funds within 1–10 days or on the delivery date.
Equipment financing gives businesses the opportunity to finance machinery through loans or leasing. In the case of equipment leasing, the leasing company often requires personal guarantees as collateral. With equipment loans, the machinery itself is used as collateral, but lenders may also require additional collateral, such as a company pledge or personal guarantee, especially for larger machines.
In order for lenders to assess the company's ability to repay, it is beneficial to attach the most recent accounting records with the application. For leasing, a quote or a link to the machine is often required, while equipment loans can be applied for without specific documents.
1
You need to know which item you want to purchase.
2
You must have a Swedish BankID.
3
The company must be registered and active in Sweden.
4
The company should have been active for at least three months.
5
The company must have a certain company type (Limited company, Sole Proprietorship or Partnership/Trading company).
Selection of our banks and other lenders
We let most banks compete for your business
You’ll always get the same or a better interest rate with Krea than directly from the lender.
Krea does the work for you throughout the entire process
When you start an application, you will be assigned an advisor dedicated to your business. The advisor's task is to ensure that you get the best terms possible.
We recommend how to improve your application. Based on 30,000 previous customers, we know how to get the best terms.
Ella Almstedt
Credit Advisory Manager
Mariam Aptsiauri
Customer Success Manager
The biggest difference between leasing or borrowing is that ownership in leasing stays with the leasing company. This means that you generally have less flexibility to sell the machine. The situation is similar to where you rent an apartment instead of buying it. Do you want to own the object during the entire term? In that case, a machine loan is the right financial solution for your company.
The monthly cost of leasing is usually lower compared to equipment loans or rent. It is lower because you generally do not finance the entire amount upfront. Instead, you can buy the object at the residual value at the end of the agreement. Do you want the lowest possible monthly cost? In that case, machine leasing is usually the right solution.
Operational leases offer similar benefits to leasing and add additional services, such as repair service and insurance. The monthly cost might be higher. To compare costs fairly, you need to see what insurance and repair would cost elsewhere. Are you looking for a holistic solution with the least possible administration? In that case, operational leasing is an option you should look at.
It was a great opportunity for us since it was a company in Germany that was closing down its operations. However, there was some time pressure, which made the situation more difficult as we needed external financing. Without Krea, it would have been challenging, and it's not certain that this deal would have gone through. We will definitely use Krea in the future.
The process was very smooth, unlike the major banks that got stuck on irrelevant details. Krea was attentive and quickly understood our business model. For us, it was important to find a solution where the overall approach aligns with the project's profitability – whether it's leasing or a business loan. We had an advisory meeting and concluded that competitive leasing was the best for us.
We have just built a factory where we will manufacture roof elements and have recently started production. We needed to inject working capital, which we will use for purchasing materials to continue production and meet the existing orders we have. We needed a fast and smooth solution, which you were able to help us with.
