Installment payments – a flexible financing arrangement

Installment payment plans can be used for financing all kinds of items, such as machinery, vehicles, etc. While the item is owned by your company, it also acts as the bank’s collateral for the investment. Normally, the item represents the only such collateral, increasing your scope to make other investments. You report the item as an asset in your balance sheet, amortising the cost in the normal manner. Installment payments are a flexible financing arrangement. The bank can tailor an installment payment plan to the particular needs of your business. Installment payment plans provide you with a complete overview of the costs. You can always access continuous information on interest rates, payments and remaining debt during the contract period. It is also possible to make additional payments or pay off the remaining debt within the contract period.

Leasing

Leasing is a flexible form of financing that can be used to finance movable assets such as cars, machinery and IT equipment. Swedbank is the formal owner of the asset and leases it to you as a customer. Usually, the asset can be financed to its full value. The leasing cost is deductible as ordinary rent on your company’s balance sheet. The financing time can be adapted to your needs and to the economic life of the asset.

Invoice factoring

Invoice factoring entails pledging your accounts receivable as collateral against a loan from the bank. This frees up operating capital that would otherwise be tied up in accounts receivable, transforming it into liquid funds. Normally, the accounts receivable are the sole collateral, increasing your scope to make other investments. In invoice factoring, Swedbank AB is stated as the payee on the invoice, and experience shows that this increases customers’ willingness to pay on time. Your solvency is thus enhanced. The service includes reminders, interest charges on late payments, and collection. Efficient handling of demands for payment reduces the risk of customer losses. As a supplementary service, we can offer printing and distribution of invoices.

At Leveraged Finance, we provide loan financing for different types of company acquisitions, mainly leverage buy-outs and public-to-private/public-to-public transactions. Our main clients for acquisition finance are private equity funds. The common denominator for these clients is that they work with leverage, i.e. the financial risk is higher, and the structure is more complex than in traditional corporate financing. We offer different types of senior term loans as well as working capital financing.

We also offer project financing, comprising long- and medium-term financing for capital-intensive goods and projects such as power plants, wind farms and different types of telephone networks. We also structure and participate in Public Private Partnership transactions (PPP). Our clients for project financing are either corporate or public entities.

Contact

Stockholm, Sweden - +46 8-585 927 42

Export Finance provides long-term financing solutions for larger capital-intensive transactions when exporting companies sell products to overseas customers.

The benefits of export financing are that the exporter gets paid on delivery and, at the same time, the customer is provided with a financing solution. This may also enhance the value of commercial offers and improve competitiveness.

We have specialists in all international aspects of export finance and we will help your company to understand the opportunities and risks related thereto. You should preferably contact us at the earliest stage of contract negotiations in order to apply the best product and structure for your financing.

Contact

If your company is interested in business supported by an export financing solution, please contact your local branch for further information. Our branches cooperate with a team of trade and export finance specialists.

Marine Finance provides debt financing solutions to clients active in the shipping and offshore sectors. We base our activities on our longstanding experience in this industry and take a long-term perspective on the client relationships we develop. This is certainly important in an industry with high capital requirements which is often exposed to volatile markets.

We have knowledge about the unique international aspects involved in the marine finance industry which require a broad network of contacts to customise every transaction.

If your company is interested in marine transactions which require financing, please contact us at Swedbank Marine Finance on any of the following numbers.

Contact

Stockholm, Sweden - +46 8-585 919 36
Gothenburg, Sweden - +46 3-173 915 73
Oslo, Norway - +47 2-311 62 13