Over the last decade, Sweden’s crowdfunding and peer-to-peer (P2P) lending market has matured significantly, owing to a tech-savvy population, a focus on innovation and sustainability and a progressive regulatory environment that fosters transparency and investor protection. With low interest rates and tighter lending criteria, alternative finance platforms have emerged, connecting borrowers directly with investors, providing attractive returns for lenders and accessible capital for start-ups, small businesses and property developers.
The Swedish crowdfunding market is diverse and includes equity crowdfunding for startups, crowdlending for real estate projects and peer-to-peer consumer loans. The market is gaining popularity, especially among younger investors who appreciate social impact and sustainability, so startups are building projects that are in line with these values. Below profiled are the five most significant Swedish actors in this dynamic and growing sector.
Top 5 Swedish Crowdfunding & Peer-to-Peer Lending Platforms
- FundedByMe
- SaveLend
- Lendify
- Kameo
- Gokind
A Closer Look at the Top 5 Swedish Crowdfunding & Peer-to-Peer Lending Platforms
1. FundedByMe
FundedByMe is a full-service equity crowdfunding platform from Stockholm, founded in 2010. It has become a significant player in the alternative finance landscape across the Nordics and Europe, having helped over 470 companies raise more than €52M in 25 countries. FundedByMe specializes in equity crowdfunding, which involves investors taking direct stakes in startups and growth companies, bridging the gap between entrepreneurs seeking capital and investors looking for private market opportunities.
Key Points
- Focuses on equity crowdfunding, enabling direct investment in startups and growth companies
- Strong track record: facilitated over €52 million in funding for 470+ companies
- Cross-border reach: operates across 25 countries, not limited to the Nordic region
Key Features
- Equity Investment Model: Provides investors with real shares in the companies they back, rather than debt or reward-based models.
- International Network: The international investor base gives Swedish companies access to capital outside the home market.
- Vetted Opportunities: The platform curates and reviews companies before they are allowed to raise funds, providing a layer of due diligence for investors.
Achievements
- has helped more than 470 companies raise growth capital since inception in 2010 .
- More than €52 million raised for startups and scale-ups in a broad range of sectors.
- Successfully developed from a Swedish operation into a real international crowdfunding hub.
Feedback
FundedByMe is recognized as a crowdfunding pioneer in Europe. It is particularly favored by early-stage companies that may have difficulty obtaining conventional bank financing. It gives investors regulated access to venture capital style investments with lower minimum entry barriers than traditional VC funds.
Contact Information
Website: www.fundedbyme.com
2. SaveLend
SaveLend is a Stockholm-based fintech company and a top peer-to-peer lending platform in Sweden. SaveLend, founded in 2014, operates an investment platform that enables individuals and institutions to invest in consumer and business loans, effectively cutting out traditional banks. The platform aims to offer savers better returns than traditional savings accounts and borrowers competitive rates by cutting out the middleman. The platform also has a secondary market where investors can trade credits and exit investments before they mature.
Key Points
- P2P lending platform connecting investors with consumer and business loan borrowers
- Features a secondary market for liquidity, allowing investors to sell loan parts
- Attracted significant institutional capital, validating its credit risk models
Key Features
- Automated Savings Strategy : Provides auto-invest options that allocate capital across multiple loans according to investor risk appetite .
- Secondary Market: Allows the investor to sell his parts of the loan to other users, in case he needs to get money out before the loan’s term expires, thus providing liquidity.
- Consumer & Business Loans Expands investment opportunities in personal loans, SME finance and other credit assets.
Achievements
- Increased a large-scale funding agreement with German fixed-income specialist NordIX , increasing their investment in SaveLend ’ s Swedish consumer loans by an additional MSEK 115 in 2025 .
- SaveLend’s institutional-grade reliability has prompted NordIX executives to deepen the partnership, citing “stable, risk-adjusted returns”.
- Strategic partnership with Nooga formed in May 2026 to grow its ecosystem.
Feedback
SaveLend is praised for its user-friendly interface, transparency and the stability of its returns during volatile market conditions. The entry of institutional investors like NordIX serves as a strong endorsement of the platform’s underwriting standards and asset quality.
Contact Information
Website: www.savelend.se
3. Lendify
Founded in 2014, Lendify is one of the pioneering P2P lending platforms in Sweden, with a mission to deliver the “first real P2P lending platform in Sweden” . Lendify is an online credit marketplace based in Stockholm that allows consumers to lend and borrow money from each other without traditional banks . Lendify uses technology to automate credit checks and underwriting – reducing overhead costs and creating savings that are passed along to borrowers (lower rates) and investors (higher returns).
Key Points
- Focuses exclusively on consumer loans (unsecured personal credit)
- Markets itself as a pure “peer-to-peer” alternative to bank loans
- Data-driven credit scoring and automated matching of lenders and borrowers
Key Features
- Bank-Free Model: The traditional banking infrastructure is discarded, to offer better rates for the borrowers and attractive risk-adjusted returns for the investors .
- Regulated & Secure: Regulated by the Swedish Financial Supervisory Authority (Finansinspektionen).
- Risk Diversification: Encourages investors to spread their capital across many small loan fractions to minimize the impact of any single default.
Achievements
- Raised early funding from angel investors (around $2.4M) to develop its technology platform.
- Partnered with other global P2P leaders like Zopa to disrupt the Swedish consumer credit market.
- We have successfully established a niche in consumer lending in a market dominated by bank credit cards and traditional loans.
Feedback
Consumers frequently cite Lendify for its fast application process and competitive loan rates compared to traditional banks. For investors, the platform offers a straightforward way to achieve fixed-income returns without the volatility of the stock market.
Contact Information
Website: www.lendify.se
4. Kameo
Kameo is a dedicated digital marketplace for crowdfunded loans focused solely on the real estate and property development industry. Kameo was founded in 2014 and is licensed by the financial supervisory authorities in Sweden (Finansinspektionen) and Norway. The platform enables investors to invest in specific property projects, from residential developments to commercial real estate, in return for fixed interest returns secured against real assets.
Key Points
- Niche focus on real estate crowdlending (real estate-backed loans)
- Cross-border operations in Sweden, Norway and Denmark
- Manual risk assessment by an internal team for every listed loan
Key Features
- Asset-Backed Security: The loan is collateralized by mortgages on real property, providing investors with some added security not present in unsecured consumer lending.
- Risk & Yield by Tier: Investments are ranked by risk, with lower-risk projects offering ~6% and higher-risk projects averaging ~9%.
- Controlled Transparency: The risk team manually reviews each loan and automated reports are sent directly to the Swedish Tax Agency (Skatteverket).
Achievements
- Grew rapidly from 10 projects in the launch year (2016) to 96 projects in 2019, indicating rapid market adoption.
- Achieved a staggering average return of 9.51% for investors over a long period .
- Loans are often over subscribed within minutes with one prominent loan of 4M SEK closing to investors after only 50 minutes with 300,000 SEK being invested per minute at the peak .
Feedback
Kameo is very transparent and project documentation is done well. Investors like the ability to pick and choose properties and risk levels The platform’s technological infrastructure ensures its resilience to massive spikes in traffic when hot new projects are launched, delivering a consistent user experience .
Contact Information
Website: www.kameo.se
5. Gokind
Gokind is a newcomer to the Swedish alternative finance market, established in Stockholm in 2021. “Gokind is not an equity or debt platform, it’s about investing in consumer values.” A gamified platform connects users to sustainable brands and investment opportunities, rewarding them for their ethical purchases. Gokind sits at the intersection of impact investing, consumer loyalty and fintech, leveraging the strong Swedish consumer preference for sustainability and social responsibility.
Key Points
- Focus on sustainable brands and impact investing
- Gamified, “swipe-based” discovery interface for finding ethical products and investments
- Focuses on fintech/e-commerce/ESG (Environmental, Social, Governance) intersection
Key Features
- Rewards Integration: Users can earn rewards for shopping with sustainable brands featured on the platform, potentially tied to the investment opportunities.
- Community Focus: It is focused on community-based funding and on providing collective support to local businesses that are aligned with ethical principles .
- Youth-oriented UX: Designed to appeal to a younger audience comfortable with mobile-first, interaction-driven digital experiences.
Achievements
- Built a community of 15,000+ investors with strong interest to put capital to work in line with values.
- Secured Seed funding for the development of its software and the growth of its sustainable brands marketplace.
- Exploits the growing trend in Sweden where social impact and sustainability are becoming more important for investors, forcing startups to adapt projects to these values .
Feedback
Early adopters like Thank you Gokind for making investing feel accessible, fun and aligned with their personal ethics. Sustainability is a major theme for the platform, which leverages a deeply embedded cultural value in the Swedish market that sets it apart from purely return-based lending platforms.
Contact Information
Website: www.gokind.com
Frequently Asked Questions
What is the difference between equity crowdfunding and peer-to-peer lending?
Equity crowdfunding sites (like FundedByMe) let investors buy shares or ownership in a company and get their money back that way. Returns depend on the future success of the company (dividends or sale of shares). Peer-to-peer lending (e.g., SaveLend or Lendify) is when investors lend money to borrowers (individuals or businesses) in return for fixed interest payments and the return of the principal amount at the end of the loan term.
Is crowdfunding in Sweden regulated?
Yes. The Swedish Financial Supervisory Authority (Finansinspektionen) supervises these activities. Platforms like Kameo are licensed and there is a regulatory framework in place to protect investors and encourage transparency and financial stability.
Which platform is best for real estate investment in Sweden?
Kameo is the leading specialist for real estate crowdlending in Sweden. It allows investors to fund property development loans secured by mortgages, offering average returns between 6% and 9% depending on the risk level.
Can I sell my investments before the loan term ends?
Yes. SaveLend offers a secondary market where investors can sell their loan parts to other users. This provides liquidity, allowing investors to cash out early without having to wait for the full loan term to mature.
What is the minimum investment amount for these platforms?
The minimum investment varies by platform and asset type. Some platforms allow investment in loan fractions for as little as SEK 100 or less, making them accessible to retail investors. International platforms generally have low entry barriers.
Is there a demand for sustainable and impact investing in Sweden?
Sure. Sweden has a strong sustainability culture. Analysts have pointed out that younger investors are increasingly gravitating towards platforms that champion local enterprises and are in line with ethical considerations and this is a major factor for platforms like Gokind.
How do returns on P2P lending compare to savings accounts?
P2P lending generally offers much better returns than traditional bank savings accounts, which have been low due to central bank rates. But P2P lending has a risk of borrower default (credit risk). Bank savings accounts are covered by deposit insurance up to a certain amount. Spread your loans around to cut the risk.
Are these platforms available to international investors?
Most platforms are accessible to EU residents and some have cross-border operations (e.g., FundedByMe operates in 25 countries). But investors should check platform-specific terms around residency requirements, currency exchange fees and tax reporting obligations in their home country.
