företagsinteckningar

Företagsinteckningar, often translated as company charges or business mortgages, are a legal mechanism in Sweden that allows a company to secure a loan or credit by pledging its assets as collateral. This is a vital tool for businesses seeking financing, providing lenders with a degree of security in case of default.

There are primarily two types of företagsinteckningar: reala inteckningar and löpande skuldebrev. Real inteckningar are typically registered against specific, identifiable assets such as real estate, machinery, or inventory. Löpande skuldebrev, on the other hand, are not tied to specific assets but rather to the company's general assets and future earnings.

The process of establishing a företagsinteckning involves registration with the Swedish Companies Registration Office (Bolagsverket). This registration makes the charge public record, informing other potential creditors of the lender's secured position. The value of the charge is determined by the value of the pledged assets or the amount of the loan.

When a company defaults on its obligations, the lender holding the företagsinteckning has the right to seize and sell the pledged assets to recover the outstanding debt. This process is governed by Swedish law and aims to ensure a fair resolution for both the lender and the company, while also considering the rights of other creditors. Företagsinteckningar play a crucial role in the Swedish credit market, facilitating business investment and growth.