{"id":3393,"date":"2026-01-29T13:13:08","date_gmt":"2026-01-29T11:13:08","guid":{"rendered":"https:\/\/konkretiarahoitus.fi\/?p=3393"},"modified":"2026-01-29T13:13:10","modified_gmt":"2026-01-29T11:13:10","slug":"yrityksen-luottoluokka-ja-keinot-sen-parantamiseen","status":"publish","type":"post","link":"https:\/\/konkretiarahoitus.fi\/sv\/2026\/01\/yrityksen-luottoluokka-ja-keinot-sen-parantamiseen","title":{"rendered":"F\u00f6retagets kreditv\u00e4rdighet och s\u00e4tt att f\u00f6rb\u00e4ttra den"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3393\" class=\"elementor elementor-3393\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0d45f64 e-flex e-con-boxed e-con e-parent\" data-id=\"0d45f64\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-182652b elementor-widget elementor-widget-heading\" data-id=\"182652b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">F\u00f6retagets kreditklass och hur du kan f\u00f6rb\u00e4ttra den<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c0e2bd0 e-flex e-con-boxed e-con e-parent\" data-id=\"c0e2bd0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e08b0c elementor-widget elementor-widget-text-editor\" data-id=\"1e08b0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">F\u00f6retagets kreditklass \u00e4r ett av de viktigaste m\u00e5tten n\u00e4r finansi\u00e4rer, samarbetspartners och leverant\u00f6rer bed\u00f6mer ett f\u00f6retags ekonomiska situation. Den visar hur sannolikt det \u00e4r att f\u00f6retaget sk\u00f6ter sina ekonomiska f\u00f6rpliktelser i tid.<\/p><p style=\"font-weight: 400;\">En god kreditklass kan underl\u00e4tta tillg\u00e5ngen till finansiering, s\u00e4nka finansieringskostnaderna och st\u00e4rka f\u00f6retagets rykte som en p\u00e5litlig akt\u00f6r. En svag kreditklass kan d\u00e4remot f\u00f6rsv\u00e5ra m\u00f6jligheterna att f\u00e5 finansiering eller g\u00f6ra den dyrare.<\/p><p style=\"font-weight: 400;\">Vid str\u00e4van efter tillv\u00e4xt kan tillg\u00e5ng till finansiering \u2013 och d\u00e4rmed en god kreditklass \u2013 i praktiken vara avg\u00f6rande f\u00f6r f\u00f6retagets utveckling. Vad kan f\u00f6retaget d\u00e5 sj\u00e4lv g\u00f6ra f\u00f6r att f\u00f6rb\u00e4ttra sin kreditklass och h\u00e5lla den p\u00e5 en stabil niv\u00e5?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b5f6b6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4b5f6b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f190e14 elementor-widget elementor-widget-heading\" data-id=\"f190e14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Vad p\u00e5verkar kreditklassen?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f1669d elementor-widget elementor-widget-text-editor\" data-id=\"2f1669d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Flera faktorer p\u00e5verkar f\u00f6retagets kreditklass, bland annat:<\/p><ul><li><strong>Betalningsbeteende f\u00f6r fakturor och skulder<\/strong> \u2013 betalningsrutiner och eventuella f\u00f6rseningar syns snabbt.<\/li><li><strong>F\u00f6retagets ekonomiska nyckeltal <\/strong>\u2013 till exempel oms\u00e4ttning, l\u00f6nsamhet och soliditet.<\/li><li><strong>Betalningsanm\u00e4rkningar <\/strong>\u2013 \u00e4ven en enskild anm\u00e4rkning kan f\u00f6rs\u00e4mra kreditklassen avsev\u00e4rt.<\/li><li><strong>F\u00f6retagets \u00e5lder och verksamhetshistorik<\/strong> \u2013 f\u00f6retag med l\u00e4ngre verksamhetshistoria och stabil drift har ofta en starkare kreditklass.<\/li><\/ul><p>\u00a0<\/p><p style=\"font-weight: 400;\">Syftet med kreditklassen \u00e4r att ge en helhetsbild av f\u00f6retagets ekonomi och hur f\u00f6retaget sk\u00f6ter ekonomin. Ju svagare kreditklass, desto h\u00f6gre \u00e4r den statistiska risken f\u00f6r betalningssv\u00e5righeter eller insolvens. En god kreditklass signalerar i sin tur en stabil ekonomisk st\u00e4llning och l\u00e4gre sannolikhet f\u00f6r betalningsproblem.<\/p><p style=\"font-weight: 400;\">Kreditklassen \u00e4r s\u00e4rskilt viktig f\u00f6r finansi\u00e4rer, men kan \u00e4ven vara relevant att kontrollera hos samarbetspartners \u2013 s\u00e4rskilt inf\u00f6r st\u00f6rre avtal.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a0a405 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5a0a405\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98cd849 elementor-widget elementor-widget-heading\" data-id=\"98cd849\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hur kan jag kontrollera mitt f\u00f6retags kreditklass?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cc3a9e elementor-widget elementor-widget-text-editor\" data-id=\"1cc3a9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Det \u00e4r m\u00f6jligt att kontrollera f\u00f6retagets kreditklass via flera akt\u00f6rer som erbjuder kreditupplysningstj\u00e4nster, till exempel genom <a href=\"https:\/\/www.asiakastieto.fi\/web\/fi\/\" rel=\"nofollow noopener\" target=\"_blank\"><strong>Suomen asiakastieto.<\/strong><\/a> D\u00e4r kan du se b\u00e5de kreditklass och bakomliggande information, s\u00e5som betalningshistorik och eventuella betalningsanm\u00e4rkningar.<\/p><p style=\"font-weight: 400;\">Det \u00e4r klokt att f\u00f6lja f\u00f6retagets kreditklass regelbundet. P\u00e5 s\u00e5 s\u00e4tt f\u00e5r du en tydlig bild av hur finansi\u00e4rer och samarbetspartners uppfattar f\u00f6retagets ekonomiska situation. F\u00f6r\u00e4ndringar i kreditklassen kan \u00e4ven fungera som tidiga varningssignaler, vilket g\u00f6r det m\u00f6jligt att agera i tid.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ad4272 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6ad4272\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dce1584 elementor-widget elementor-widget-heading\" data-id=\"dce1584\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">R\u00e5d f\u00f6r att f\u00f6rb\u00e4ttra kreditklassen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d1401b elementor-widget elementor-widget-text-editor\" data-id=\"6d1401b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Det \u00e4r fullt m\u00f6jligt att f\u00f6rb\u00e4ttra kreditklassen genom \u00e5tg\u00e4rder som visar p\u00e5 god ekonomisk f\u00f6rvaltning. Samma principer hj\u00e4lper ocks\u00e5 till att bibeh\u00e5lla en god kreditniv\u00e5. H\u00e4r \u00e4r n\u00e5gra konkreta r\u00e5d:<\/p><ol><li><strong>Betala fakturor i tid: <\/strong>Ett enkelt men mycket effektivt s\u00e4tt att st\u00e4rka kreditv\u00e4rdigheten. F\u00f6rsenade betalningar syns snabbt och f\u00f6rs\u00e4mrar f\u00f6retagets trov\u00e4rdighet.<\/li><\/ol><ol start=\"2\"><li><strong>Sk\u00f6t skulderna ansvarsfullt: <\/strong>Ta endast p\u00e5 dig finansiering som f\u00f6retaget klarar av att hantera l\u00e5ngsiktigt. Regelbundna amorteringar st\u00e4rker kreditv\u00e4rdigheten.<\/li><\/ol><ol start=\"3\"><li><strong>F\u00f6lj kassafl\u00f6det aktivt: <\/strong>Proaktiv kassahantering hj\u00e4lper till att undvika betalningssv\u00e5righeter. Anv\u00e4nd till exempel budgetering och kassafl\u00f6desprognoser.<\/li><\/ol><ol start=\"4\"><li><strong>H\u00e5ll ekonomiska nyckeltal i balans: <\/strong>L\u00f6nsam verksamhet och en sund balansr\u00e4kning utg\u00f6r grunden f\u00f6r en god kreditklass. Investera i tillv\u00e4xt, men med en rimlig riskniv\u00e5.<\/li><\/ol><ol start=\"5\"><li><strong>Undvik betalningsanm\u00e4rkningar: <\/strong>Om f\u00f6retaget redan har betalningsanm\u00e4rkningar \u00e4r det viktigt att \u00e5tg\u00e4rda dem s\u00e5 snabbt som m\u00f6jligt. \u00c4ven om anm\u00e4rkningar s\u00e5 sm\u00e5ningom f\u00f6rfaller kan deras p\u00e5verkan vara l\u00e5ngvarig.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a11c95f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a11c95f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aeaca3e elementor-widget elementor-widget-heading\" data-id=\"aeaca3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">En god kreditklass \u00f6ppnar d\u00f6rrar<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3da326b elementor-widget elementor-widget-text-editor\" data-id=\"3da326b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">N\u00e4r f\u00f6retagets kreditklass \u00e4r stark blir finansiering ofta b\u00e5de billigare och mer flexibel. Samtidigt \u00f6kar f\u00f6rtroendet fr\u00e5n samarbetspartners och leverant\u00f6rer. En god kreditklass \u00e4r d\u00e4rf\u00f6r inte bara en ekonomisk f\u00f6rdel, utan ocks\u00e5 en betydande konkurrensf\u00f6rdel.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da27825 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"da27825\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88e3d2a elementor-widget elementor-widget-heading\" data-id=\"88e3d2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Konkretia Rahoitus st\u00f6ttar f\u00f6retagets investeringar<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c6f2d7 elementor-widget elementor-widget-text-editor\" data-id=\"2c6f2d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">V\u00e5ra finansieringstj\u00e4nster omfattar att hitta den mest l\u00e4mpliga finansieringsl\u00f6sningen f\u00f6r f\u00f6retaget samt att f\u00f6rhandla l\u00e5n f\u00f6r kunden. Resultatet \u00e4r en finansiering som \u00e4r anpassad till f\u00f6retagets verksamhet och \u00e5terbetalningsf\u00f6rm\u00e5ga \u2013 och som m\u00f6jligg\u00f6r att nya planer kan f\u00f6rverkligas.<\/p><p style=\"font-weight: 400;\">Kontakta oss och boka tid f\u00f6r r\u00e5dgivning inom f\u00f6retagsfinansiering!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1317 elementor-mobile-align-justify elementor-align-center elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"1317\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/konkretiarahoitus.fi\/sv\/kontakt\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Kontakta oss!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06fd3dd elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"06fd3dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1254a75 e-flex e-con-boxed e-con e-parent\" data-id=\"1254a75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0d2fb34 e-flex e-con-boxed e-con e-parent\" data-id=\"0d2fb34\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Yrityksen luottoluokka ja sen parantaminen Yrityksen luottoluokka on yksi t\u00e4rkeimmist\u00e4 mittareista, kun rahoittajat, yhteisty\u00f6kumppanit ja tavarantoimittajat arvioivat yrityksen taloudellista tilannetta. Se kertoo, kuinka todenn\u00e4k\u00f6isesti yritys hoitaa taloudelliset velvoitteensa ajallaan. Hyv\u00e4 luottoluokka voi helpottaa lainansaantia, laskea rahoituskustannuksia ja vahvistaa yrityksen mainetta luotettavana toimijana. Heikko luottoluokka taas voi hankaloittaa rahoituksen saamista tai nostaa sen hintaa. Kun tavoitellaan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3389,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[173,172,174,156,142,158,137,147],"class_list":["post-3393","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-luottoluokan-parantaminen","tag-luottoluokka","tag-miten-parantaa-luottoluokitusta","tag-rahoitusratkaisut-pienyrityksille","tag-yrityksen-kassavirran-hallinta","tag-yrityksen-rahoitusratkaisujen-vertailu","tag-yrityslaina","tag-yrityslimiitti"],"_links":{"self":[{"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/posts\/3393","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/comments?post=3393"}],"version-history":[{"count":10,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/posts\/3393\/revisions"}],"predecessor-version":[{"id":3597,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/posts\/3393\/revisions\/3597"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/media\/3389"}],"wp:attachment":[{"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/media?parent=3393"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/categories?post=3393"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/sv\/wp-json\/wp\/v2\/tags?post=3393"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}