Business loans

We make safe and flexible business financing possible. Through our two credit funds, Scandinavian Credit Fund I AB (publ) and Nordic Factoring Fund, we can offer companies short-term loans. Our customers are small and medium-sized companies that are in some form of expansion, investment, restructuring, refinancing, generational financing, factoring needs or with seasonal needs

This is how we work

Finserve only offers secured lending via the Scandinavian Credit Fund I ("SCFI"). Since the Fund is not a bank, we can be more pragmatic in our lending. We are keen to be flexible and responsive, but follow a strict credit process that ensures our investors can be confident that the companies we lend capital to will repay their loans

GENERAL REQUIREMENTS

We go through the business and its history

GENERAL CREDIT CONSIDERATIONS

Here we take into account the business model, key figures, collateral and make a credit report.

SECURITIES

The loan must normally be secured with various types of collateral, e.g. business mortgages, reverse mortgages, real estate mortgages, shares, sureties and other realizable assets. The fund excludes "soft" collateral such as intellectual property and software.

STRUCTURE & SIZE

From SEK 20 million or the equivalent in another currency, credits are given as loans with fixed interest or variable interest, normally short or medium-term loans of 1-48 months.

ABOUT US AT FINSERVE

Finserve intends to become a leading independent player in direct lending to companies in Scandinavia and at the same time create unique investment products. The company manages, among other funds, Scandinavian Credit Fund I, Nordic Factoring Fund and Global Security Fund.

"Our mission is to help companies in the Nordics navigate through uncertain times with safe and flexible financing solutions."

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EMMA WESTERBERG

Head of corporate lending

Emma has worked at Finserve since 2017 and is currently responsible for corporate lending. Emma has studied business administration at Stockholm University with a focus on economics, and has studied one semester at San Diego State University as part of her bachelor's program.

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VIKTOR BLOHMÉ

Credit and Business analysis

Viktor has worked with credit and corporate analysis since the end of 2018 at Nordea Bank with a focus on financing transactions such as LBOs, M&A's and Bonds. In January 2022, Viktor joined Finserve as an investment analyst in the origination team responsible for the fund's direct lending portfolio. The tasks include, among other things, exploring and identifying new business opportunities as well as building relationships and analyzing companies seeking direct lending from the funds. Viktor has a bachelor's degree in business administration from Jönköping University.

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