Founded in 2016, Stabelo is a Swedish financial technology company that operates as a housing credit institution. Its mission is to challenge the traditional banking market by providing more transparent, simpler, and lower-rate mortgages to homeowners. Stabelo's business model connects long-term institutional capital, such as from pension funds, directly with creditworthy mortgage customers, bypassing traditional bank funding structures to offer more competitive rates. The company is under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen).