Finansfabriken is Sweden’s new human-centred finance company. We’re here to help small businesses succeed and grow – by doing the opposite of everyone else. When others see risks, we see opportunities. When others close doors, we open them.

We create business loans, invoice purchasing and debt collection with craftmanship – powered by modern technology but always keeping people at the heart of everything we do. With us, it’s people – not machines – who listen and make the decisions.

A foundation built on experience and entrepreneurship

Finansfabriken was founded at the end of 2024 and registered with Finansinspektionen (the Swedish financial supervisory body) in April 2025 to conduct financial operations. Behind the company stands an experienced team with over 150 years of combined expertise in SME-lending – yet with our hearts firmly rooted in entrepreneurship.

Our growth journey isn’t built on large campaigns or shortcuts, but on what we believe in most: relationships, trust, and true craftsmanship. During our first year of operation, we have focused entirely on organic growth through existing networks and deeper partnerships with selected intermediaries – and it has proven to be the right approach.

By taking the time to listen, remaining accessible, and following every case all the way through, we have quickly established ourselves as a human alternative in an automated industry. Despite our extensive background, Finansfabriken is driven by a start-up culture. We work in an agile way to refine processes, enhance customer experience, and lay the foundations for sustainable growth.

In October, we launched our website – an important step towards increasing our visibility and continuing to grow through strong SEO and a solid digital presence. We believe in growing from within, together with our customers and partners. When their businesses flourish, so do we.

2025 in brief

Our first year in operation has been a success story. We began with a record-fast registration process with Finansinspektionen and exceeded our volume target of SEK 28 million within just two months. Now, we are aiming to reach SEK 100 million in lending before the end of the year.

During the autumn, we launched invoice purchasing for businesses. The team has grown from three founders to ten “factory workers” – with more on the way. As an employee-owned company, we enter the new year with high ambitions, new partnerships, and a clear goal: to manufacture human-centred finance on an even larger scale.

Organic growth, a strategy that strengthens culture and value.
Read more about our 2025
Subsidiary groups
6
Additional holdings
13
Involvement
18
Our additional holdings
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