Question 1

What is Coeli Finance?

Accepted Answer

Coeli Finance is a Swedish credit institution (kreditmarknadsbolag) specializing in tailored lending solutions and deposit services. The institution is part of the Coeli Group, a leading Swedish asset management organization founded in 1994 that manages over 70 billion SEK for high net worth individuals, entrepreneurs, family offices, companies, and large institutions.

Coeli Finance differentiates itself from traditional banks by offering flexible, customized financing solutions with fast processing times and innovative collateral structures.

Question 2

When was Coeli Finance founded?

Accepted Answer

Coeli Finance AB was registered on January 11, 2023, and received authorization from the Swedish Financial Supervisory Authority (Finansinspektionen) to conduct financing activities on December 4, 2023. The institution officially launched its lending operations on July 1, 2024.

The establishment of Coeli Finance represented a strategic expansion for the Coeli Group, which had operated as an asset manager since 1994. The institution was created to meet growing market demand for alternative lending solutions, particularly as traditional banks adopted more conservative lending practices in recent years.

Question 3

Where is Coeli Finance headquartered?

Accepted Answer

Coeli Finance is headquartered in Stockholm, Sweden. The registered office address is Box 3317, 103 66 Stockholm, with operations conducted at Sveavägen 24-26, 111 57 Stockholm.

Question 4

Where does Coeli Finance operate?

Accepted Answer

Coeli Finance operates throughout Sweden, serving both private individuals and corporate clients across the country. The institution's Stockholm headquarters serves as its primary operational center, with services accessible to customers nationwide through digital channels and personalized client relationship management.

Question 5

What services does Coeli Finance offer?

Accepted Answer

Coeli Finance provides specialized lending and deposit services, including:

Lending Services:
• Securities lending (värdepapperskrediter) - loans collateralized by investment portfolios, including both listed and unlisted securities
• Real estate financing - property investment loans for corporate clients
• Business loans (rörelsekrediter) - working capital and operational financing for companies and private individuals
• Customized credit solutions for existing Coeli Group clients and external customers

Deposit Services:
• Savings accounts for private individuals up to the Swedish deposit guarantee limit of 950,000 SEK
• Deposit accounts providing diversified funding for the institution's lending operations

Digital Services:
• Online account management and application processes
• Digital customer service channels

Question 6

What makes Coeli Finance unique?

Accepted Answer

Several distinctive features set Coeli Finance apart from traditional Swedish banks:

Flexible Collateral Structures: Unlike traditional banks that focus on mortgage security deep in capital structures, Coeli Finance accepts alternative collateral forms including personal guarantees (borgen) and share pledges (aktiepant) higher up in the capital structure.

Portfolio Lending Expertise: The institution offers unique lending against diversified portfolios containing both listed and unlisted securities, leveraging the Coeli Group's extensive experience in private equity and capital markets.

Rapid Processing: Coeli Finance emphasizes quick credit decisions and disbursements, addressing market needs for timely financing solutions. The institution's own authorization process took only six months, significantly faster than the typical two-year timeframe.

Strong Capitalization: The institution launched with a 400 million SEK unconditional shareholder contribution, providing a solid foundation for growth and client security.

Experienced Leadership: Led by CEO Håkan Selfvén, who brings 25 years of financial industry experience from institutions including Erik Penser Bank and Carnegie.

Question 7

What type of financial institution is Coeli Finance?

Accepted Answer

Coeli Finance is classified as a credit institution (kreditinstitut) under Swedish law, specifically operating as a kreditmarknadsbolag (credit market company) rather than a traditional bank.

This designation allows the institution to conduct financing activities as defined in Chapter 1, Section 4 of the Swedish Banking and Financing Business Act (Lagen om bank- och finansieringsrörelse, 2004:297), including accepting repayable funds from the public and providing credit, guarantees, and leasing services.

The institution is authorized and supervised by the Swedish Financial Supervisory Authority (Finansinspektionen) under reference number 71216, and participates in Sweden's deposit guarantee scheme administered by the Swedish National Debt Office (Riksgälden), protecting deposits up to 950,000 SEK per depositor.

Question 8

What is Coeli Finance's relationship to the broader Coeli Group?

Accepted Answer

Coeli Finance operates as a subsidiary within the Coeli Group ecosystem, which has established itself as a comprehensive investment organization since 1994. The broader Coeli Group manages approximately 70 billion SEK across multiple asset classes including actively managed equities, single strategy hedge funds, real estate, Nordic private equity, and discretionary mandates.

This integration allows Coeli Finance to leverage the group's extensive investment expertise and client relationships. The institution serves both existing Coeli Group clients seeking financing solutions and external customers requiring customized lending arrangements.

The Coeli Group was named Sweden's best Wealth Manager and Family Office provider in Euromoney's 2025 rankings, reflecting the organization's strong market position and investment performance.

Question 9

How is Coeli Finance funded?

Accepted Answer

Coeli Finance employs a diversified funding strategy designed to support sustainable growth:

Equity Base: The institution received a 400 million SEK unconditional shareholder contribution at launch, providing the core capital foundation for lending operations.

Retail Deposits: Coeli Finance accepts deposits from private individuals through savings account products, with each deposit protected up to the Swedish deposit guarantee limit of 950,000 SEK. This deposit-gathering strategy emphasizes diversification across many smaller depositors rather than concentration.

Future Plans: While the institution currently operates without bank loans, management has indicated that bond issuance could become part of the funding mix over time as the business scales.

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