Moank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Moank lends against your investment portfolio rather than your income, so it suits investors holding a large portfolio who want a big line at a low rate. Borrowing is priced as a variable rate of 5.08%, and a hard credit check stands behind the decision.

Key facts

Best for
Large lines of borrowing secured on an investment portfolio.
APR
5.08% (Source, checked September 26, 2026)
Loan amount
SEK 1,000,000 (Source, checked September 26, 2026)
Term
36 months (Source, checked September 26, 2026)
Arrangement fee
SEK 0 (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day payout (Hyperfinance) (Source, checked September 26, 2026)
Representative example
Portfolio loan: SEK 1,000,000 over 3 years, nominal 5.01% (Stibor 3M + 3.00% margin), effective annual rate 5.08%, total repayable SEK 1,152,388 (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18+, registered in Sweden, Swedish personal identity number, BankID and a Swedish bank account; portfolio loan requires the securities account to be held with a partner asset manager (currently PAM Capital) (Source, checked September 26, 2026)
Loan types
Secured, Business, Credit-line (Source, checked September 26, 2026)
Legal entity
Moank AB (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
moank.se

Pros and cons

Pros

  • Borrowing runs to SEK 1,000,000 on the portfolio loan, far above typical amounts.
  • Payout of Same day payout (Hyperfinance) once a decision is in place.
  • Free early repayment, so a large balance can be cleared when the market suits.
  • Support runs on phone, email and help centre, so phone and email both work.

Cons

  • The rate is variable, variable, so repayments follow the market rate it is priced off.
  • A hard credit check applies, hard, so a thin credit file counts against you.
  • The portfolio loan needs the securities account at a partner asset manager, currently PAM Capital.
Moank

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Adults registered in Sweden holding BankID, a Swedish identity number and a Swedish bank account.
  • Investors who keep securities at a partner asset manager and want to borrow against them.
  • Borrowers after a large line paid out quickly, since borrowing runs to SEK 1,000,000.

Who should look elsewhere

  • Plazo ES readers after a cheaper rate, since its rate sits at 24.19%.
  • Vivus ES readers wanting a lower starting rate, since its rate runs 0% to 3,752.4%.
  • Cashspace readers after a wider rate range, since its rate runs PHP 12 to PHP 36.

Safety and regulation

Moank lends directly rather than through a broker, so the contract, the rate and the repayment all sit with the same company. Finansinspektionen, the Swedish Financial Supervisory Authority, supervises it in Sweden. The published representative example prices the portfolio loan off Stibor plus a margin at an effective annual rate of 5.08%, with a total repayable above the amount borrowed.

How Moank compares

Where Moank is available

Available
Sweden
Licence in Sweden
Finansinspektionen (Swedish Financial Supervisory Authority), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does borrowing from Moank cost?+

The portfolio loan runs at a variable rate of 5.08% and the origination fee is SEK 0. The published representative example prices it off Stibor plus a margin, and the total repayable it shows sits above the amount borrowed, so interest makes up the whole cost.

Is the rate fixed or variable?+

The portfolio loan is priced as a variable rate, variable, so repayments can move with the market. Fixed pricing dominates the brands compared, 80.5% against 19.5%, so budget for movement rather than a fixed monthly figure.

How much can I borrow, and for how long?+

Borrowing runs to SEK 1,000,000 on the portfolio loan, with a term of 36 months. That ceiling sits far above the typical amount on the site, €876.96, which is why collateral backed lines read differently from ordinary credit.

What credit check does Moank run?+

Moank runs a hard credit check, hard, a full file search rather than a light pre check. Most lenders compared work the same way, 72.7%, so a thin file counts against borrowers across the group rather than only here.

How fast is the payout?+

Moank lists Same day payout (Hyperfinance), and that speed sits among the features it advertises, same day funding and credit line. Payout at that speed is common in this market, 82.9%, so treat it as the norm rather than an edge.

Who can apply for a Moank loan?+

Applicants must be adults registered in Sweden, with a Swedish personal identity number, BankID and a Swedish bank account. The portfolio loan adds a condition: the securities account must sit with a partner asset manager, currently PAM Capital, and the line runs to SEK 1,000,000.

Can I repay the loan early?+

Early repayment is free, so clearing the balance before the end of the term carries no extra charge. Most lenders compared allow the same, 81.2%, while 18.8% charge for it, so this is a norm rather than an edge.

Who regulates Moank?+

Moank is supervised in Sweden by Finansinspektionen, the Swedish Financial Supervisory Authority. It is a direct lender, direct lender, so the agreement, the rate and the repayment all sit with the same company rather than a broker passing the application on.

Sources

  • moank.se checked September 26, 2026

    Backs: Features, Founded, Funding time, Lender type

    “Upload your funded invoices and get the capital the same day. Your credit line grows with your sales.”

  • moank.se/en/about checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “We are a Swedish credit market company headquartered in Stockholm”

  • moank.se/en/customer-service checked September 26, 2026

    Backs: Credit check, Free early repayment, Support channels

    “We perform a credit assessment on all our customers. If the assessment shows that you may have difficulty repaying the loan, we don't grant it.”

  • moank.se/en/personal/portfolio-loan checked September 26, 2026

    Backs: Loan amount, APR, Loan types, Arrangement fee, Rate type, Representative example, Term

    “A Moank portfolio loan of SEK 1,000,000 with a repayment period of 3 years”

  • moank.se/en/personal/savings-account checked September 26, 2026

    Backs: Eligibility

    “To save with us you must be at least 18 years old, registered in Sweden, have BankID and a Swedish bank account.”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Moank

Moank

Large lines of borrowing secured on an investment portfolio.

9.2/10See alternatives

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