{"id":358,"date":"2020-05-11T12:11:31","date_gmt":"2020-05-11T10:11:31","guid":{"rendered":"http:\/\/stage.creddo.se\/?page_id=358"},"modified":"2026-09-15T15:33:22","modified_gmt":"2026-09-15T13:33:22","slug":"ranta-pa-foretagslan","status":"publish","type":"page","link":"https:\/\/creddo.com\/se\/foretagslan\/ranta\/","title":{"rendered":"R\u00e4nta p\u00e5 f\u00f6retagsl\u00e5n &#8211; hur hittar du ett l\u00e5n med l\u00e5g kostnad?"},"content":{"rendered":"\n<p>R\u00e4nta p\u00e5 f\u00f6retagsl\u00e5n \u00e4r den enskilt st\u00f6rsta kostnaden i ett l\u00e5n, men den siffra du f\u00e5r syns s\u00e4llan f\u00f6rr\u00e4n ans\u00f6kan \u00e4r inne. H\u00e4r \u00e4r vad svenska f\u00f6retag faktiskt betalar just nu, vad som styr din r\u00e4nta och hur du r\u00e4knar om olika erbjudanden till en kostnad som g\u00e5r att j\u00e4mf\u00f6ra.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"887\" src=\"https:\/\/creddo.com\/se\/wp-content\/uploads\/2025\/10\/ranta-creddo-1-1-1024x887.jpg\" alt=\"\" class=\"wp-image-5071\" style=\"width:777px;height:auto\" srcset=\"https:\/\/creddo.com\/se\/wp-content\/uploads\/2025\/10\/ranta-creddo-1-1-1024x887.jpg 1024w, https:\/\/creddo.com\/se\/wp-content\/uploads\/2025\/10\/ranta-creddo-1-1-300x260.jpg 300w, https:\/\/creddo.com\/se\/wp-content\/uploads\/2025\/10\/ranta-creddo-1-1-768x665.jpg 768w, https:\/\/creddo.com\/se\/wp-content\/uploads\/2025\/10\/ranta-creddo-1-1.jpg 1168w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">R\u00e4nta p\u00e5 f\u00f6retagsl\u00e5n &#8211; hur hittar jag ett f\u00f6retags\u00e5n med l\u00e5g kostnad och goda villkor?<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-vad-ar-snitt-rantan-pa-foretagslan-i-sverige\">Vad \u00e4r snitt r\u00e4ntan p\u00e5 f\u00f6retagsl\u00e5n i Sverige?<\/h2>\n\n\n\n<p>Enligt SCB:s finansmarknadsstatistik l\u00e5g den genomsnittliga r\u00e4ntan p\u00e5 <strong>nya och omf\u00f6rhandlade bankl\u00e5n till icke-finansiella f\u00f6retag p\u00e5 3,70 procent i juli 2026<\/strong>. P\u00e5 hela den utest\u00e5ende l\u00e5nestocken var snittet 3,34 procent. Riksbankens styrr\u00e4nta har legat stilla p\u00e5 1,75 procent sedan oktober 2025.<\/p>\n\n\n\n<p>Den siffran \u00e4r ett volymv\u00e4gt snitt \u00f6ver allt fr\u00e5n miljardl\u00e5n till fastighetsbolag till mindre f\u00f6retagskrediter, och den g\u00e4ller bankutl\u00e5ning. Tre saker \u00e4r v\u00e4rda att veta innan du anv\u00e4nder den som riktm\u00e4rke:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Stora l\u00e5n drar ner snittet.<\/strong> Ett s\u00e4kerst\u00e4llt l\u00e5n p\u00e5 tio miljoner kronor till ett etablerat bolag priss\u00e4tts helt annorlunda \u00e4n ett l\u00e5n p\u00e5 300 000 kronor utan s\u00e4kerhet.<\/li>\n\n\n\n<li><strong>Snittet g\u00e4ller banker.<\/strong> Nischade l\u00e5ngivare, som l\u00e5nar ut snabbare och utan s\u00e4kerhet, tar betalt f\u00f6r den risken och ligger h\u00f6gre.<\/li>\n\n\n\n<li><strong>R\u00e4ntan \u00e4r inte hela kostnaden.<\/strong> Uppl\u00e4ggningsavgift, aviavgift och eventuell f\u00f6rtidsl\u00f6sen ing\u00e5r inte i den nominella r\u00e4ntan.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-vad-paverkar-rantan-du-far\">Vad p\u00e5verkar r\u00e4ntan du f\u00e5r?<\/h2>\n\n\n\n<p>L\u00e5ngivaren s\u00e4tter r\u00e4ntan efter hur stor risken bed\u00f6ms vara att l\u00e5net inte betalas tillbaka. Det som v\u00e4ger tyngst:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Betalningshistorik och kreditv\u00e4rdighet.<\/strong> En betalningsanm\u00e4rkning eller en skuld hos Kronofogden h\u00f6jer r\u00e4ntan mer \u00e4n n\u00e5got annat, om l\u00e5net alls beviljas.<\/li>\n\n\n\n<li><strong>Hur l\u00e4nge bolaget varit ig\u00e5ng.<\/strong> Ett nystartat f\u00f6retag saknar bokslut att bed\u00f6ma och betalar d\u00e4rf\u00f6r mer \u00e4n ett bolag med tre \u00e5r av stabila siffror.<\/li>\n\n\n\n<li><strong>Oms\u00e4ttning och l\u00f6nsamhet.<\/strong> J\u00e4mn oms\u00e4ttning och positivt resultat s\u00e4nker r\u00e4ntan; stora sv\u00e4ngningar h\u00f6jer den.<\/li>\n\n\n\n<li><strong>S\u00e4kerhet.<\/strong> F\u00f6retagsinteckning, fastighet, maskiner eller borgen s\u00e4nker risken och d\u00e4rmed r\u00e4ntan.<\/li>\n\n\n\n<li><strong>Belopp och l\u00f6ptid.<\/strong> Korta l\u00e5n har ofta h\u00f6gre \u00e5rsr\u00e4nta men l\u00e4gre total r\u00e4ntekostnad, eftersom du betalar r\u00e4nta under kortare tid.<\/li>\n\n\n\n<li><strong>Bolagsform.<\/strong> Aktiebolag och enskild firma bed\u00f6ms olika \u2013 i enskild firma \u00e4r du personligen betalningsansvarig, vilket kan ge l\u00e4gre r\u00e4nta men h\u00f6gre personlig risk.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nominell-ranta-effektiv-ranta-och-avgifter\">Nominell r\u00e4nta, effektiv r\u00e4nta och avgifter<\/h2>\n\n\n\n<p>Den nominella r\u00e4ntan \u00e4r bara r\u00e4ntan. Den effektiva r\u00e4ntan r\u00e4knar in uppl\u00e4ggningsavgift, aviavgifter och andra obligatoriska kostnader och omvandlar dem till en \u00e5rlig procentsats \u2013 det \u00e4r det enda talet som g\u00e5r att j\u00e4mf\u00f6ra mellan tv\u00e5 erbjudanden.<\/p>\n\n\n\n<p>Ett r\u00e4kneexempel p\u00e5 ett l\u00e5n p\u00e5 500 000 kronor som betalas tillbaka i sin helhet efter 12 m\u00e5nader:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><\/th><th>Erbjudande A<\/th><th>Erbjudande B<\/th><\/tr><\/thead><tbody><tr><td>Nominell r\u00e4nta<\/td><td>6,0 %<\/td><td>7,5 %<\/td><\/tr><tr><td>Uppl\u00e4ggningsavgift<\/td><td>15 000 kr (3 %)<\/td><td>0 kr<\/td><\/tr><tr><td>Aviavgift<\/td><td>50 kr\/m\u00e5n<\/td><td>0 kr<\/td><\/tr><tr><td>Total kostnad, 12 m\u00e5n<\/td><td>45 600 kr<\/td><td>37 500 kr<\/td><\/tr><tr><td>Motsvarar en effektiv r\u00e4nta p\u00e5<\/td><td>ca 9,1 %<\/td><td>7,5 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Erbjudande A ser billigare ut p\u00e5 r\u00e4ntan och \u00e4r 8 100 kronor dyrare. Be alltid om den totala kostnaden i kronor \u00f6ver hela l\u00f6ptiden, inte bara r\u00e4ntesatsen.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-sa-far-du-ner-rantan\">S\u00e5 f\u00e5r du ner r\u00e4ntan<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>L\u00e5t flera l\u00e5ngivare r\u00e4kna p\u00e5 samma underlag.<\/strong> Det \u00e4r prispressen som s\u00e4nker r\u00e4ntan, inte f\u00f6rhandlingen i sig.<\/li>\n\n\n\n<li><strong>Kan du erbjuda s\u00e4kerhet?<\/strong> Borgen, f\u00f6retagsinteckning eller maskiner kan g\u00f6ra stor skillnad f\u00f6r r\u00e4ntan och i vissa fall s\u00e4nka den med flera procentenheter.<\/li>\n\n\n\n<li><strong>Ta r\u00e4tt l\u00f6ptid.<\/strong> Str\u00e4ck inte ut ett l\u00e5n l\u00e4ngre \u00e4n investeringen lever, men pressa inte heller amorteringen s\u00e5 h\u00e5rt att kassafl\u00f6det blir anstr\u00e4ngt.<\/li>\n\n\n\n<li><strong>St\u00e4da i siffrorna f\u00f6rst.<\/strong> Uppdaterad bokf\u00f6ring, inga f\u00f6rfallna leverant\u00f6rsskulder och ett f\u00e4rskt bokslut g\u00f6r bed\u00f6mningen enklare \u2013 och billigare.<\/li>\n\n\n\n<li><strong>Begr\u00e4nsa antalet kreditupplysningar.<\/strong> M\u00e5nga spridda ans\u00f6kningar syns och tolkas som att du f\u00e5tt avslag p\u00e5 andra h\u00e5ll.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-sa-kan-du-jamfora-flera-lan-utan-flera-uc-forfragningar\">S\u00e5 kan du j\u00e4mf\u00f6ra flera l\u00e5n utan flera UC-f\u00f6rfr\u00e5gningar<\/h2>\n\n\n\n<p>Ans\u00f6ker du hos fem l\u00e5ngivare var f\u00f6r sig kan det bli fem kreditupplysningar. <a href=\"https:\/\/creddo.com\/se\/experthornan\/foretagslan-vad-man-bor-veta-innan-man-skriver-pa-avtalet\/\">Via Creddo l\u00e4mnar du en ans\u00f6kan,<\/a> vi tar <strong>en<\/strong> kreditupplysning via UC och s\u00f6ker l\u00e5n hos \u00f6ver 25 l\u00e5ngivare p\u00e5 samma underlag. Du f\u00e5r f\u00f6rslagen samlade och kan j\u00e4mf\u00f6ra r\u00e4nta, avgifter och total kostnad innan du binder dig. Ans\u00f6kan \u00e4r kostnadsfri och inte bindande.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-amortering-och-fortidsbetalning\">Amortering och f\u00f6rtidsbetalning<\/h2>\n\n\n\n<p><a href=\"https:\/\/creddo.com\/se\/foretagslan\/amortering\/\">Amorteringen<\/a> \u00e4r \u00e5terbetalningen av sj\u00e4lva l\u00e5nebeloppet och ing\u00e5r inte i r\u00e4ntan. Rak amortering ger en h\u00f6gre f\u00f6rsta betalning men l\u00e4gre r\u00e4ntekostnad totalt; annuitet ger samma belopp varje m\u00e5nad och \u00e4r enklare att budgetera.<\/p>\n\n\n\n<p>Vill du l\u00f6sa l\u00e5net i f\u00f6rtid \u00e4r det oftast till\u00e5tet, men villkoren skiljer sig. Vissa l\u00e5ngivare tar en r\u00e4nteskillnadsers\u00e4ttning eller en avgift, andra l\u00e5ter dig betala av n\u00e4r som helst utan kostnad. Kontrollera punkten innan du skriver p\u00e5 \u2013 den \u00e4r l\u00e4tt att missa och dyr att uppt\u00e4cka i efterhand.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-vanliga-fragor-om-ranta-pa-foretagslan\">Vanliga fr\u00e5gor om r\u00e4nta p\u00e5 f\u00f6retagsl\u00e5n<\/h2>\n\n\n\n<p><strong>Vad \u00e4r en normal r\u00e4nta p\u00e5 f\u00f6retagsl\u00e5n?<\/strong><\/p>\n\n\n\n<p>F\u00f6r bankl\u00e5n l\u00e5g snittet p\u00e5 3,70 procent f\u00f6r nya avtal i juli 2026 enligt SCB. F\u00f6retag utan s\u00e4kerhet, med kort historik eller med behov av snabb utbetalning betalar mer \u00e4n s\u00e5.<\/p>\n\n\n\n<p><strong>\u00c4r r\u00e4nta p\u00e5 f\u00f6retagsl\u00e5n avdragsgill?<\/strong><\/p>\n\n\n\n<p>Ja, r\u00e4ntekostnader f\u00f6r l\u00e5n i n\u00e4ringsverksamhet \u00e4r normalt avdragsgilla i bolagets deklaration. Det finns s\u00e4rskilda begr\u00e4nsningsregler f\u00f6r r\u00e4nteavdrag i aktiebolag \u2013 st\u00e4m av med din redovisningskonsult vid st\u00f6rre l\u00e5n.<\/p>\n\n\n\n<p><strong>Vad \u00e4r skillnaden mellan fast och r\u00f6rlig r\u00e4nta p\u00e5 f\u00f6retagsl\u00e5n?<\/strong><\/p>\n\n\n\n<p>R\u00f6rlig r\u00e4nta f\u00f6ljer marknadsr\u00e4ntan och \u00e4ndras under l\u00f6ptiden. Fast r\u00e4nta ligger still under bindningstiden och ger en f\u00f6ruts\u00e4gbar kostnad, men \u00e4r oftast n\u00e5got h\u00f6gre fr\u00e5n start och kan kosta att l\u00f6sa i f\u00f6rtid.<\/p>\n\n\n\n<p><strong>F\u00e5r jag s\u00e4mre r\u00e4nta som enskild firma?<\/strong><\/p>\n\n\n\n<p>Inte n\u00f6dv\u00e4ndigtvis. Du \u00e4r personligen betalningsansvarig, vilket s\u00e4nker l\u00e5ngivarens risk, men beloppen \u00e4r ofta mindre och underlaget tunnare.<\/p>\n\n\n\n<p><strong>Kan jag f\u00e5 f\u00f6retagsl\u00e5n med betalningsanm\u00e4rkning?<\/strong><\/p>\n\n\n\n<p>Det f\u00f6rekommer, men r\u00e4ntan blir h\u00f6gre och beloppet l\u00e4gre. S\u00e4kerhet eller borgen f\u00f6rb\u00e4ttrar chanserna.<\/p>\n\n\n\n<p><em>K\u00e4llor: SCB, finansmarknadsstatistik (utl\u00e5ningsr\u00e4ntor till icke-finansiella f\u00f6retag), juli 2026; Sveriges riksbank, styrr\u00e4nta.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>R\u00e4nta p\u00e5 f\u00f6retagsl\u00e5n \u00e4r den enskilt st\u00f6rsta kostnaden i ett l\u00e5n, men den siffra du f\u00e5r syns s\u00e4llan f\u00f6rr\u00e4n ans\u00f6kan \u00e4r inne. H\u00e4r \u00e4r vad svenska f\u00f6retag faktiskt betalar just nu, vad som styr din r\u00e4nta och hur du r\u00e4knar om olika erbjudanden till en kostnad som g\u00e5r att j\u00e4mf\u00f6ra. Vad \u00e4r snitt r\u00e4ntan p\u00e5 [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":0,"parent":1141,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"new-creddo-page-with-slider.php","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-358","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>R\u00e4nta p\u00e5 f\u00f6retagsl\u00e5n 2026 \u2013 j\u00e4mf\u00f6r den verkliga kostnaden<\/title>\n<meta name=\"description\" content=\"L\u00e4r dig om r\u00e4nta p\u00e5 f\u00f6retagsl\u00e5n och vad svenska f\u00f6retag betalar just nu. 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