Transparent APR. No footnotes.
You see the interest, you see the fees, you see the total cost. All on the same screen. If it needs an asterisk, it isn't done right.
SEJR Credit · After licensing
Working-capital credit without footnotes. Just numbers you can read.
SEJR Credit is the short line to capital when you need to cover a gap between order and payment, or when the inventory needs filling before the season. A fixed plan. An honest price. No surprises.
Three things we dare to put on the front page
Loans should be boring. That's their job.
A repayment plan you can trust.
A fixed plan, fixed amounts, a clear date every month. Pay early for free. No "extension fee", no "risk surcharge" that shows up in month three.
An answer in minutes, not weeks.
We already know your cash flow if you use SEJR Pay. So you don't have to re-explain the business to a credit analyst you never meet.
"Credit built right is a safety net, not a trap. The difference is how many fees sit at the bottom of the agreement."
SEJR · January 2026
Waitlist
First, when we open for applications.
SEJR Credit rolls out gradually to selected SEJR Pay customers first. Sign up, and feel free to tell us what the credit will be used for, so we can plan the opening in the right order.
- We start with SEJR Pay customers.
- No pre-approval on sign-up.
- Signing up costs nothing.
Frequently asked questions
When does SEJR Kredit launch?
Credit follows our licence, so we open when that is in place rather than putting a date on it we cannot keep. Join the waitlist and you hear from us as soon as we can say something concrete.
What will it cost?
You will see the APR and the full repayment plan before you accept anything, with no footnotes and no fee that appears later. We publish the number when we open; we are not going to invent one now.
Who can apply?
We start with SEJR Pay customers, because we can already see the takings the credit would be repaid from. Signing up to the waitlist is not an application and costs nothing.
Does signing up affect my credit rating?
No. The waitlist is not an application and involves no credit check. Nothing is assessed until you actually apply, once we open.
How is it repaid?
The plan is agreed up front and written in plain figures, so you know the amount and the dates before you say yes. No moving terms once the credit is running.