Question 1

What is Serafim Finans?

Accepted Answer

Serafim Finans is a Swedish credit market company (kreditmarknadsbolag) that provides tailored financial solutions to businesses and consumers. Operating as part of Serafimgruppen AB, the company specializes in lending, invoice factoring, receivables management, and deposit services with state-guaranteed deposit protection.

With approximately 55 employees, Serafim Finans serves around 4,500 corporate and individual customers across Sweden. The company operates under supervision by the Swedish Financial Supervisory Authority (Finansinspektionen) and holds authorization to accept deposits from the public with state guarantee protection.

Question 2

When was Serafim Finans founded?

Accepted Answer

Serafim Finans was originally founded in 2011 under the name Promentor Finans AB by Serafimgruppen as an expansion into the credit and factoring industry. The company was established to provide flexible financing solutions to Swedish entrepreneurs and small to medium-sized enterprises.

The institution underwent a rebranding and became Serafim Finans, adopting its current name to align with the parent company's brand identity. On January 8, 2020, Serafim Finans received formal authorization as a credit institution from the Swedish Financial Supervisory Authority, enabling it to operate as a fully regulated credit market company with deposit-taking capabilities.

Question 3

Where is Serafim Finans headquartered?

Accepted Answer

Serafim Finans is headquartered in Stockholm, Sweden. The company's address is listed at Box 16264, 103 24 Stockholm, with operational offices located at Kungsgatan 12-14.

Question 4

Where does Serafim Finans operate?

Accepted Answer

Serafim Finans operates throughout Sweden, serving customers across all regions of the country. The company provides its financial services primarily in the Stockholm area and extends its reach to businesses and consumers nationwide through digital channels and direct customer relationships.

As part of Serafimgruppen's Nordic expansion strategy, the company has expressed interest in extending operations to other Nordic markets, though its current authorization and focus remain within Sweden.

Question 5

What services does Serafim Finans offer?

Accepted Answer

Serafim Finans offers a comprehensive range of financial services divided into three main segments:

Corporate Segment:
• Invoice factoring and invoice purchases
• Business loans for small and medium-sized enterprises
• Receivables management and debt collection services
• Working capital financing

Real Estate Segment:
• Property financing secured by mortgage certificates
• Real estate loans for property investors and developers
• Financing for real estate projects

Consumer Segment:
• Consumer credit products
• Private healthcare and medical service financing

Deposit and Savings Services:
• SeraFlex privat: Variable interest savings account with free withdrawals
• SeraFast privat: Fixed-term deposit accounts (3 months, 6 months, 1 year, and 3 years)
• All deposits covered by Swedish state deposit guarantee up to 950,000 SEK per depositor
• Digital account opening with BankID authentication
• Online banking platform ("Mina sidor") for account management

Question 6

What makes Serafim Finans unique?

Accepted Answer

Serafim Finans distinguishes itself through its flexible, personalized approach to financial services. Unlike traditional banks, the company emphasizes tailored solutions crafted through direct dialogue with customers, recognizing that each business and individual has unique financial needs.

Key distinctive features include:

Entrepreneurial Focus: The company positions itself as an alternative to traditional banks, specifically supporting entrepreneurs and growing businesses that may require more flexible financing structures.

Fast Decision-Making: With streamlined processes and broad experience, Serafim Finans can make quick yet well-grounded credit decisions, providing timely solutions to customers.

State-Guaranteed Deposits: As a regulated credit market company, Serafim Finans offers deposit protection equivalent to Swedish banks through participation in the Swedish National Debt Office (Riksgäldskontoret) deposit guarantee scheme.

Parent Company Backing: Operating as part of Serafimgruppen, the company benefits from strong financial backing and a family-oriented corporate culture focused on long-term relationships and profitability.

Question 7

What type of financial institution is Serafim Finans?

Accepted Answer

Serafim Finans is a credit market company (kreditmarknadsbolag), a specific category of credit institution under Swedish financial regulation. This designation allows the company to conduct financial business activities including lending and accepting deposits from the public, similar to traditional banks.

Credit market companies in Sweden operate under supervision by the Swedish Financial Supervisory Authority (Finansinspektionen) and must comply with banking regulations including capital adequacy requirements, liquidity standards, and deposit guarantee participation. While not classified as a full bank, Serafim Finans holds authorization to perform core banking functions within its specialized market focus on corporate lending, real estate financing, and consumer credit.

The institution is registered in the European Banking Authority (EBA) database as a credit institution (CRDCREINS) and participates in the Swedish deposit guarantee scheme (SE_NDO).

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