Lending software for Sweden

The home of Klarna and Tink, where BankID and Autogiro make lending fully remote. lendhero arrives with UC, BankID and Swish already connected, so your team configures products instead of plumbing.

See the local stack
  • SEK (kr)
  • Swedish, English
  • 15 local connectors
  • 1–2 weeks to launch

Hej, Elin

Approved50 000 kr

768

Credit score

On-time payments

Monthly payment1 230 kr

Market profile

Sweden at a glance

What lendhero is set up for in Sweden before your team logs in.

Currency

SEK (kr)

Languages

Swedish, English

Supervisor

Finansinspektionen

Credit data

UC, Bisnode Dun & Bradstreet, Creditsafe

Payout rails

Swish, Bankgirot, Instant transfers

Data protection

GDPR

15
local connectors wired in before kickoff
SEK
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Swedish, English

Working with borrowers in Sweden

Tools for every borrower conversation

Borrowers in Sweden apply, sign, pay and come back for repeat loans in Swedish and SEK.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Sinch automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowSinch
New receipt in your portalSMS

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Swedish.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Elin · Consumer loan, 6 months · 50 000 kr

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Sweden stack, connected before kickoff.

lendhero ships with the connectors lenders in Sweden use every day, from UC to Autogiro. New ones are added through the open API.

  • Credit bureaus & registries3 connectors
    • BBisnode Dun & Bradstreet
    • CCreditsafe
  • Identity & KYC2 connectors
    • BBankID
    • FFreja eID
  • Bank & alternative data2 connectors
    • TTink
    • TTrustly
  • Disbursement rails3 connectors
    • SSwish
    • BBankgirot
    • IInstant transfers
  • Repayments & collections2 connectors
    • AAutogiro
    • SSwish
  • Messaging3 connectors
    • WWhatsApp Business
    • SSinch
  • E-signature2 connectors
    • BBankID
    • SScrive

Checks and payments

Who borrows and how money moves in Sweden

Applicants are checked with UC and Bisnode Dun & Bradstreet, and money moves via Swish and Bankgirot.

Client checks

Checks connected in Sweden:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationBankID, Freja eIDPass
  • Credit bureausUC, Bisnode Dun & Bradstreet, CreditsafePass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataTink, TrustlyReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Sweden:

DisbursementSwish, Bankgirot, Instant transfers in SEK
RepaymentAutogiro, Swish
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Swish
  • Bankgirot
  • Instant transfers
  • Autogiro

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in SEK are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

50 000 kr

On track
Auto-calculated · 200+ parametersManual edit
Repaid 17 830 kr of 53 500 kr2 of 6 payments
DateAmountStatus
Sep 48 920 krPaid
Oct 48 920 krPaid
Nov 48 920 krDue in 7 days
Dec 48 920 krUpcoming
Jan 48 920 krUpcoming
Reminder sentYour payment of 8 920 kr is due Nov 4

Loan flow

How a loan runs in Sweden. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via email, with forms in Swedish and English.
  2. 02VerifyIdentity and documents are checked through BankID and Freja eID.
  3. 03DecideScorecards pull UC and Bisnode Dun & Bradstreet data and return a decision in seconds.
  4. 04DisburseFunds go out via Swish or Bankgirot in SEK, straight after signing.
  5. 05CollectRepayments arrive via Autogiro and Swish, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

50 000 kr

Next payment

8 920 kr · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

ElinVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Sweden launch on .

Consumer instalment loansPrivatlån with UC checks and BankID signing.
BNPL & POSDelbetalning for online retailers.
Business lendingLoans for SMEs on bank and accounting data.

Compliance

Configured for Finansinspektionen and GDPR.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Sweden.

Hosting & data residency

Cloud or on-premise deployment, with data stored where GDPR requires.

Consent & privacy

Borrower consents are captured, versioned and logged under GDPR.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for Finansinspektionen rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Northern Europe

All Europe markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Sweden?+

Yes. The platform is set up for SEK, Swedish and English and Finansinspektionen requirements, with 15 local connectors ready on day one.

Which credit data sources are connected in Sweden?+

UC, Bisnode Dun & Bradstreet, Creditsafe. On top of that, identity checks run through BankID and Freja eID and bank data comes from Tink and Trustly.

How do borrowers get paid and repay?+

Payouts go out via Swish, Bankgirot and Instant transfers in SEK. Repayments arrive via Autogiro and Swish, with reminders over WhatsApp Business and Sinch.

How long does a launch in Sweden take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 15 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Sweden? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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