SaveLend Group

SaveLend Group is a Stockholm-based financial technology group organized around two core platforms: a savings platform and a billing platform. Through its subsidiaries, the group connects savers and partner investors with credit and receivables-related investment products, while also providing invoice and billing services under the Billecta brand.

— SaveLend Group
%
Savings platform55% Investment products and savings strategies offered to private, partner, and institutional investors.
Billing platform30% Invoice creation and billing services delivered through the Billecta brand.
Credit and receivables services15% Credit intermediation, receivables-related fees, and NPL-linked income.

SaveLend Group serves savers and investors who place capital on the savings platform, including private individuals,...

  • Private saversprimary

    Individuals placing capital into savings strategies on the platform to seek target returns.

  • Partner investorsprimary

    Individuals or legal entities investing through partnership channels on the savings platform.

  • Institutional investorssecondary

    Professional investors allocating capital to platform strategies for yield and diversification.

  • Business billing customerssecondary

    Companies using Billecta to create invoices and manage billing transactions.

  • Credit and receivables counterpartiessecondary

    Borrowers and receivables-related counterparties that generate fee income and portfolio exposure.

SaveLend Group is headquartered in Stockholm and operates primarily in Sweden and Finland...

  • Headquartered in Stockholm, Sweden
  • Core operations in Sweden and Finland
  • SEK reporting currency with foreign-exchange translation exposure
  • Cross-border credit and receivables activity can add currency risk
  • Geographic diversification is used to reduce concentration risk

SaveLend Group’s strategy centers on growing the savings platform, expanding product breadth, and improving the quality...

01
Grow the savings platformshort-term

More capital on the platform increases scale and supports recurring fee generation.

02
Strengthen credit qualityshort-term

Better underwriting protects investor returns and reduces reputational and credit losses.

03
Build the billing platformmedium-term

Billing transactions broaden the business beyond investment flows and add operating leverage.

The group is exposed to credit risk, liquidity and funding risk, foreign-exchange translation risk, and reputational...

high

Credit risk on originated or facilitated receivables

The business model depends on borrower repayment and portfolio performance, so defaults can hurt returns and trust.

Scope
Savings platform and historical own-balance-sheet credit exposures
Materiality
high
high

Liquidity and financing risk

The group needs sufficient cash and credit facilities to meet obligations and fund operations.

Scope
Group treasury and financing structure
Materiality
high
high

Concentration risk

Overexposure to a sector, counterparty, or product group can magnify losses.

Scope
Credit portfolio and facilitated lending
Materiality
high
medium

Reputational risk

Negative publicity around credit losses can reduce public and market confidence in the platforms.

Scope
Platform brand and investor acquisition
Materiality
high
medium

Foreign exchange risk

Operations in more than one currency can create translation effects in SEK reporting.

Scope
Sweden and Finland operations
Materiality
medium
IFRS 15
IFRS 15 revenue recognition
Commission, facilitation, and setup fees
IFRS 9
IFRS 9 effective interest method
Reported interest income and asset carrying values
Foreign currency translation
Consolidated income statement and equity
Credit loss estimates
Provisioning and net income

: 11/08/2026