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10 documents

Loans & money

Lending between private individuals, guarantees, repayment plans and debt collection. Each document below is written and reviewed by Swedish lawyers, has one fixed price, and comes with an English explanation of the rules behind it.

How to choose in loans & money

Choose the document by the relationship between the parties and the obligation you need to record. A loan, shared borrowing, guarantee, payment plan and payment reminder answer different questions.

Questions to answer before you start

  • Who owes whom, and what amount or obligation must be documented?
  • What payment dates, instalments or other agreed conditions need to be clear?
  • Are several borrowers or a separate guarantor involved?

When a standard document may not be enough: Disputed debts, unclear transfers or arrangements involving a business and several forms of security may need individual review.

In-depth guide

Promissory note

Swedish: Skuldebrev

Written proof of a loan: amount, interest, repayment plan and what happens on late payment. Between family and friends it is also the document that shows the Swedish Tax Agency the money was a loan and not a gift.

895 krRead more

Co-borrower agreement

Swedish: Medlåntagaravtal

Where two people take a loan together, this settles between them who pays what. The bank can pursue either of you for the whole debt regardless — this agreement decides how you settle up with each other.

895 krRead more

Recourse agreement

Swedish: Regressavtal

Gives you the right to claim back from the others when you have paid more than your share of a joint debt or guarantee. Without it, recovering the money can be considerably harder than it should be.

895 krRead more

Commercial loan agreement

Swedish: Kommersiellt låneavtal

A loan between businesses, or between an owner and their company: amount, interest, security, covenants, repayment and default. Interest between related parties needs to be on market terms for tax purposes.

1 495 krRead more

Simple promissory note

Swedish: Enkelt skuldebrev (revers)

A short, one-page acknowledgement of debt naming a specific creditor. Enough for a straightforward private loan where you do not need instalments, security or transferability.

295 krRead more

Payment reminder and demand letter

Swedish: Betalningspåminnelse & kravbrev

The formal reminder that starts the clock on late payment. It sets out the invoice, the deadline, the statutory default interest and the reminder fee, and it is the step that has to come before debt collection.

195 krRead more

Instalment plan

Swedish: Avbetalningsplan

Restructures an existing debt into agreed instalments: amounts, dates, interest and what happens if a payment is missed. Useful for both sides when the alternative is collection proceedings.

295 krRead more

Guarantee undertaking

Swedish: Borgensförbindelse

A guarantee for someone else's debt. The type matters enormously: with proprieborgen the creditor can come straight to you, while with simple guarantee they must first try to recover from the borrower. Banks always require the former.

795 krRead more

Parking fine appeal

Swedish: Bestridande av parkeringsbot

Sweden has two entirely separate parking fine systems with different laws, different recipients and different deadlines. Sending the right objection to the wrong one is the most common reason an appeal quietly fails.

295 krRead more

Promissory note for an unequal deposit

Swedish: Skuldebrev vid olika kontantinsatser

You bought a home together but one of you put in a much larger deposit. This records the difference as a debt rather than a gift, and sets out interest, when it falls due and what happens if the property changes in value.

895 krRead more

What to do next

  1. Open the document page and compare its purpose and situations with your own facts.
  2. If an in-depth English guide is available, read it before opening the Swedish builder.
  3. Check which information and supporting documents you need from every party.
  4. If the standard route does not fit, ask us in English before you continue.

You can also browse all English guides, read how the document process works or return to all Swedish agreements explained in English.

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