Aros Kapital AB

Aros Kapital AB is a Swedish credit market company (kreditmarknadsbolag) based in Gothenburg, authorized and supervised by Finansinspektionen to conduct financing activities and accept deposits from the public. The firm focuses on funding for small and medium-sized enterprises through factoring (invoice purchase and invoice discounting), corporate loans, leasing and hire purchase, and related receivables management, and it funds these activities primarily via retail and corporate deposits alongside capital markets borrowing. On the savings side it offers fixed-term and notice accounts in SEK to individuals and businesses; deposits are covered by the Swedish deposit guarantee administered by the National Debt Office up to the statutory limit per customer and institution. Accounts are opened digitally, interest rates are variable over time, and early withdrawal or break conditions depend on the specific product terms. Aros Kapital is not a universal bank and does not provide everyday payment services, so its product range is narrower than full-service banks. Key risks disclosed in its reports include credit risk from SME exposures, concentration to the Swedish market, interest-rate and liquidity risks linked to asset–liability matching, and reliance on market and deposit funding. The company publishes audited financial statements and regulatory disclosures in line with Swedish rules; fees, eligibility criteria, and applicable rate tiers are set out in current customer terms and can differ between private and corporate clients. Prospective customers should review up-to-date terms, rates, and deposit guarantee conditions before entering into agreements.