The problem with rental apartments

· High housing costs are putting pressure on household finances; median housing expenditure 96,000 SEK/year (rental 91,000 SEK). [2]

· Increasing indebtedness – 436,996 people registered with the Swedish Enforcement Authority at the turn of the year 2024/2025 (+5%). [3]

· Interest rates are fluctuating; the Riksbank lowered the policy rate to 2% (June 18, 2025) but household cash flows remain vulnerable. [1]

· Municipalities continue to report imbalances & matching problems in the housing market. [5]

THE SOLUTION IN A SENTENCE

CoAccept guarantees rent within 48 hours when tenants miss a payment – ​​and runs all digital invoicing & communication via GDPR-certified BankID email service so that CoAccept bears the risk, not the property owner.

HOW COACCEPT WORKS (8 STEPS)

· Rental notice is sent via CoAccept Mailservice (BankID read receipt). [4]

· Automatic due date reconciliation via app.coaccept.com

· Late rent? CoAccept pays cooperatives/owners within 48 hours (guarantee).

· Tenant receives a recourse invoice: rent + late fee 908 SEK (30% discount if paid ≤5 days).

· Payment in → settles guarantee / repays CoAccept credit line.

OFFER

· Activate cash flow guarantee on existing contracts (cooperatives).

· Digital communication and invoicing takes place via CoAccept Mailservice (flow-down).

· Billo sponsors the start: Mon 1–6 free, Mon 7–12 50% discount on regular price.

· Full operation Year 2+: standard prices + risk triggers at ≥12% late payments.

WHY NOW?

· Digital reach: >8.6 million BankID users; high user trust. [4]

· Renting households financially pressured by rising costs and interest rates. [6]

· Indebtedness and payment problems point to the need for early structure. [3]

· Interest rate situation provides opportunity to structure bank-financed cash flow guarantee. [1]

CALL TO ACTION

Let's start with your existing inventory. We migrate notifications and activate a cash flow guarantee in 60 days. Billo covers the cost for the first six months. Book a working meeting: gustav@coaccept.com

Sources:

[1] Sveriges Riksbank, Press release 18 June 2025: The policy rate is lowered to 2%.

[2] Statistics Sweden, Household housing expenditure 2024, publ. 27 May 2025.

[3] Swedish Enforcement Authority, Press 27 January 2025: 436,996 people in debt at the turn of the year (+5%).

[4] BankID Statistics & News 2024: >8.6 million users; strong trust.

[5] Swedish National Board of Housing, Building and Planning, Housing Market Survey 2025: Reduced deficit overall, matching problems remain.

[6] The Swedish Tenants' Association, Tenants 2024: Economy & vulnerability – rental households under pressure.