Aros Kapital
About us
With nearly two decades of experience, Aros Kapital has established itself as a reliable player in financing for businesses and entrepreneurs. Since our inception in 2004, our vision has been clear: to offer flexible and tailored financing solutions that drive growth for our clients.
Today, Aros Kapital offers a wide range of financing solutions in both real estate and corporate financing, with a special focus on helping small and medium-sized businesses grow and reach their full potential.
Products & services
Factoring
Factoring at Aros Kapital is an efficient financing solution that helps your business unlock capital and optimize liquidity. Through our digital integration, you receive automated bookkeeping, making the process simple and time-efficient. When Aros Kapital purchases your invoices, we assume the entire credit risk and finance the full invoice amount immediately. This allows your business to close the accounts receivable on the balance sheet, improving key financial ratios and strengthening the company’s financial position. You no longer need to worry about late payments or credit losses and can instead focus on growth and development. We also offer financing for export invoices, providing you with security and flexibility when conducting international business. With our dedicated team and smart systems, you gain access to more efficient administration and quicker access to capital that would otherwise be tied up in unpaid invoices. Factoring without recourse Aros Kapital finances the invoice and takes responsibility for the credit risk in cases where your customer is unable to pay the invoice or goes bankrupt. Factoring with recourse Aros Kapital finances the invoice, but unlike factoring without recourse, however, Aros Kapital does not assume the credit risk in cases where your customer does not pay. Instead, the invoice is normally returned to you after 15 days from the due date. Billing service Aros Kapital offers administration and follow-up of the invoice. As a customer, you receive liquidity for the invoice when your customer pays the invoice to Aros Kapital.
SME Secured Lending
A loan for those who want to invest and expand with the help of a long-term partner. Taking out a business loan can feel like a complicated process, but at Aros Kapital we strive to make it as simple and smooth as possible for you and your business. We know that every company is unique, which is why we adapt our loans to your specific needs. Whether you need capital to invest in new equipment, finance growth or manage temporary expenses and strengthen liquidity, we have solutions that suit your business. Aros Kapital's basic requirement for business loans is that we finance limited liability companies with operations in the Nordic region. With our unique position in the market, we are able to offer business loans primarily between 1-150 MSEK. We offer - Financing that helps you grow and say yes to new business opportunities. - Amortization profile that suits your business We always strive to maintain a healthy risk profile and long-term relationships with our customers. We want to be your long-term partner for those of you who want to invest and expand your business!
Real Estate Financing
Through Aros Kapital’s real estate financing, companies can realize their real estate projects, whether it’s about purchasing, renovating, or developing. Aros Kapital offers real estate loans starting from 10 million SEK, where the credit assessment and pricing take into account the purpose of the loan, the borrower’s ability to repay, and the intended security structure.
Real Estate Construction Credit
With this flexible financial solution, you gain access to capital as your construction project takes shape. Build with confidence and realize your vision with our tailored construction credit facility, which provides financial security throughout the entire process. Where traditional banks typically require a larger personal contribution or a lower loan-to-value ratio compared to the total project cost, Aros offers the flexibility to provide customized terms based on your needs. Aros always works closely with clients to find the best financing solution with the shortest possible lead time.
Savings
Let your investments grow through Aros' cost-effective savings for businesses and individuals! Aros Kapital is affiliated with the National Debt Office's deposit guarantee and offers various types of savings accounts for individuals, businesses, housing cooperatives, and associations. It is free to open an account and deposit money with Aros Kapital. Advantages of Aros savings accounts: • Private savings and corporate savings. • Secure investment with government deposit guarantee. • Attractive deposit interest rate. • Choose between variable or fixed interest rates. • Easy to start and manage digitally. • Easily and accessible advice and customer service. • User-friendly customer web portal.
News
Aros Kapital – A door opener for new players
In a changing and challenging market, financing solutions play a crucial role, where Aros Kapital has established itself as a reliable partner for both new and established players.
The importance of reliable financing partners
When Solvinkeln Fastigheter faced an urgent funding challenge, they found Aros Kapital. Eight years later, the partnership is stronger than ever.