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Corporate loans

Does your business need an overdraft or a long-term financing solution? Ask us for advice!

Commercial loans
Overdraft
Business loans
Start-up loans
Project financing

Illustration of building project

Commercial loans with collateral

Get the opportunity to borrow up to NOK 35 million with your company’s property as collateral. This loan is ideal for larger investment projects. It gives the business access to the necessary capital for both investments and operations, which is often crucial for implementing growth and development initiatives.

BENEFITS:

  • You can borrow up to 35 million
  • Quick quote and payout
  • Maturity up to 3 years
  • Flexible repayment
  • Increased access to capital

CRITERIA:

  • The company must be an AS and own property.
  • You must have signature rights in the company and own at least 20% of the shares
  • The company must provide security in property, equipment, shares or similar
  • You must provide a food deposit

Overdraft facility

Capital is available when the business needs it, without the need for collateral. Flexibility to repay at a pace that suits your business.

BENEFITS:

  • Up to 10 million
  • No requirement for collateral
  • Available fast
  • No binding period

CRITERIA:

  • The company must be an AS
  • You must have signature rights and own at least 25% of the shares
  • No requirement for pledge of property, but you must provide a guarantee that the credit will be paid (if the company is unable to meet the obligation)

Contact us:

Anders Wiig Maristuen authorized advisor credit profile picture

We can help you with BEDRIFTSLÅN

Through our partnerships with several banks, we have extensive knowledge of the solutions and products available.
Together, we review your company’s financial situation and find an optimal solution for you.

- Anders Wiig Maristuen, Head of Corporate Lending

Business loans with collateral

We understand that businesses have different needs when they need a loan. That’s why we always find the best solution for your business and customize it according to your wishes.

BENEFITS

  • Loans up to 35 million
  • Quick quote and payout
  • Flexible repayment
  • Low monthly installments
  • Maturity up to 3 years

CRITERIA

  • You must provide a food deposit
  • You must be entitled to sign in the company and own at least 25% of the shares
  • You must have a leading role in the company

Start-up loan

Start-up loans give new businesses the money they need to get started and grow. With great terms and flexible repayment plans, this loan is perfect for covering early costs and investments. Startup loans help entrepreneurs turn their business ideas into reality faster.

BENEFITS:

  • You can borrow up to SEK 500,000
  • Quick quote and payout
  • No requirement for safety
  • The company gets a credit line available and uses the line as needed
  • Interest is only calculated on the amount used at any given time
  • Maturity up to 3 years

CRITERIA:

  • The company you are applying for must be an AS
  • Requirement for a commercial guarantee, which means that you as the applicant and owner must provide a guarantee that the loan will be paid if the company is unable to meet its obligations
  • You must have signature rights in the company and own at least 25% of the shares

This is how we help you:

Fill in the application form

It only takes a few minutes and is completely
free and non-binding for you.

We talk to the banks

Your advisor will talk to our partners and find the
best solution for you.

Receive a non-binding offer

Once we've landed the solution we
most believe in, we'll contact you for a
no-obligation quote.

FAQ - Frequently asked questions about business loans:

What is a business loan?

A business loan is a loan granted to companies or sole proprietorships to meet various needs. This can be anything from financing new investments, ensuring that you have enough money during periods of fluctuating income, or gathering existing debt in one clear solution.

What can I use a business loan for?

You can use business loans for everything from new investments and acquisitions to refinancing debt or covering costs. It's important that the loan strengthens your company's opportunities for both growth and stability.

What does a business loan cost?

The cost of the loan depends on the type of loan, the amount and the repayment period. We give you a clear overview of interest rates and fees before you commit, so you know exactly what the loan will cost.

Do you have to offer security for a business loan?

It depends on the type of loan in question. Commercial loans usually require collateral, while a start-up loan or overdraft often comes with a surety or guarantee.

Who can get a business loan?

Sole proprietorships, limited companies and small and medium-sized enterprises can apply for a business loan. The company must be registered in Norway and have sufficient finances to service the loan.

Commercial loans - what forms are there and what can you use them for?

Purchase of commercial property. The loan is secured by the property being purchased, up to 60% of the property’s market value.

If there is a need or desire to refurbish commercial premises or take measures to increase their value. A mortgage is required, how much depends on the type of property.

Do you want funds to open new branches or increase capacity? This can be financed with a property mortgage: Mortgage up to 60% (commercial) or 85% (residential).

Refinancing of existing debt or reorganization of the balance sheet. The loan requires a mortgage on real estate. This loan is customized within the applicable LTV limits, which stands for “Loan to Value.” This refers to the ratio between the loan amount and the value of the property. E.g. 80%.

Can be used to develop or implement specific projects where you can pledge property as collateral. Maximum 60% loan-to-value on commercial property or 85% on residential property.

Top loans

Additional financing when the main loan is not enough to finance the entire project. The loan can amount to up to 60% of the commercial property value or 85% of the residential value.

A short-term loan in anticipation of refinancing, sale or other capital you expect to receive. The loan is secured in real estate with up to 60% for commercial or 85% for residential. This loan usually has a term of 6-18 months.

For the acquisition of equipment, technology or other investments that create value. The loan requires security in real estate and the loan amount depends on the value and type of property.

Loans for the acquisition of businesses, secured by commercial or residential property. The maximum loan-to-value ratio is 60% for commercial property, and 85% if the collateral is residential.

When the company needs liquidity to cover day-to-day obligations such as salaries, taxes or debts to suppliers. The loan requires security in real estate.