6 Corporate Loans – Loans to Companies from Banks


Here you will find info about several Norwegian and a foreign provider of loans to companies / companies of all sizes. In addition to direct loan money, these banks also offer various other products such as credit cards, overdrafts, etc.

DNB offers corporate loans as repayment loans adapted to the company’s needs in relation to depreciation and accounting rules. Loans are granted with security in inventory, accounts receivable, operating accessories, or real estate.

    Before you apply:

  • What is the long-term plan for the company?
  • What is the expected future need for liquidity?
  • How is the business financed?
  • Future interest rates, and will the company endure this?

DNB also offers overdraft facilities, bank guarantees, leasing and factoring.

Handelsbanken offers many specialized loans and credits to businesses. Cash credit, currency account with credit, real estate loan, construction loan, trade finance for foreign trade, bank guarantee and financing of fixed assets as commercial loans.

    Specifications and minimum requirements for corporate loans:

  • Mortgage security in the object being acquired
  • Funding requires concrete investment
  • Normally 3-7 years maturity, adapted to the object’s economic life
  • Conditions that may be required for equity capital will be calculated based on credit security and the loan’s collateral security.
  • The maximum loan amount is assessed on the basis of other debt obligations and earnings of the company

Landkreditt Bank is a bank that offers specialized loans to enterprises that run agriculture. They offer services such as farm loans, farm credit, operating credit and generational change loans.

    minimum requirements:

  • Company certificate, not older than 3 months
  • Accounting for the past 2 years
  • Budget
  • Financing plan for investment
  • tariffs

 Nordea offers operating finance (overdraft, agricultural credit, factoring), equity finance (securities financing, securities lending, derivatives), plant financing (loans, construction credit, leasing of equipment, loans to equipment, currency loans, financing of commercial property), car loans and customer financing. Nordea has many financing calculators that you can use to calculate repayment of loans and leases.

sparebank 1 offers loans such as financing for small and large companies through operating credit, repayment loans and construction loans. The bank also offers a bank guarantee, operating credit for agriculture and leasing.

Loans without security to company

Loans without security to company

Bitbond (Ad link) small business loans. Available in Norway. Loan money like Bitcoin, or like American dollars, from independent lenders with the popular new player Bitbond. Here you can borrow from $ 1,000 to $ 25,000 without security and pay back in a period of between 6 weeks and 3 years. PS. Please note that price changes on Bitcoin or US dollars affect how much you have to pay back.

Loans without security & credit

Loans without security & credit

If you have a small company and are willing to be personally responsible for the payment obligations, you can consider loan / credit financing without collateral. Consumer loans can be used for whatever you want, so if you want to invest in corporate business, you can spend the money on it. Check out Centum Finans which is a loan broker. They can help you free of charge to find the consumer loan with the best interest rate and the lowest monthly payment. An application with Centum Finance is provided to a total of 21 banks and lenders who come back with their best non-binding loan offers to you.


If you need less than NOK 50,000 and for shorter periods, credit cards can be a good solution. Then you release all interest, as long as you pay by the due date. Smålån is a good solution for loans between 5,000 and 50,000 kroner.

Do you need an accountant or accountant?

Does your company not already have an account with an accountant, or do you want to compare your agreement with several players? You can use a service like Ageras (Ad Link ) and get up to 3 non-binding offers to keep their accounts. Ageras can also obtain offers from auditors, lawyers and lawyers.


Corporate Loans -Credit Loan


All businesses that want to grow face the same challenge. They depend on having sufficient capital to cope with the growth. Many business owners have gone from experiencing strong growth and positive numbers for a period, then getting problems at the other end. A business loan secures you capital for those investments that require growth. Typical examples of this are production plants, tools or vans. fleshes this out

You do not go bankrupt because of debt, but because of lack of money. This may sound a little strange, but read on so we explain how this works.


Corporate loans – an example

Corporate loans - an example

We have set an example to show why growth financed by loans can be more favorable than using equity.


A production company produces 10 million a year. They have a market potential that equals that they can double what they do now. To increase production, an upgraded machine is required which costs 5 million.

If the machine is to be paid without borrowing, it requires half of the company’s total annual turnover in capital, in order to pay the machine. This is an enormous obsession in the business that it probably will not manage. If the business has this money and uses it, it will nevertheless create high uncertainty and weak ability to pay in the future.

If the machine is purchased with mortgages that are repaid over 10 years, the annual sum will be only 500,000 plus interest. This amounts to only a fraction of the sum each year. In this way, the business ensures lower costs and a higher degree of security. While the cost spreads over time, the income also increases. The company has a turnover of NOK 100 million more than 10 years than if the machine had not been purchased.

Thus, during the loan period, the machine has cost 5% of the turnover (plus interest) instead of 50% of the annual turnover as it would have done at a cash purchase.

This means that the company has secured its own ability to pay and its solvency by borrowing funds, rather than paying everything immediately.

Opportunities for loans

Opportunities for loans

When you apply for a loan through us, you have a greater chance of getting the loan granted, than if you go to your daily bank. That’s because we have business partners who specialize in helping small and medium-sized businesses with growth and liquidity.

The daily bank your weights the requirement for equity differently depending on who applies for a loan. That is, you probably get a percentage of poorer loan options on equity, than what you get with a private home loan, for example.

Our partners solve this by tailoring loan packages to small and medium-sized businesses depending on their needs. For some, a series loan of a given sum can be smart, while for others it is better to borrow an invoice. There are many opportunities and our partners will find the best solution for you.

The key to a good collaboration is to be open and honest with those you are borrowing money from. Everyone understands that running a business is not just a dance of roses. Show your lender both your strengths and weaknesses so they can get a real insight into who you are and what your business has to offer. Then it will very often open up opportunities for corporate loans, despite the fact that one may not have a high degree of equity.

Being open about your own weaknesses creates trust, and if the lender has confidence in you, you will probably also get the very best terms on your loan.


Interest and conditions

Interest and conditions

The interest rates and conditions you end up with vary depending on several factors. Firstly, it depends on what the money will be used for. If you are going to expand real estate or farm buildings, this will normally give a relatively low interest rate. If you want to expand the machinery and vehicles, the interest rate will usually be a few percent above what you get on property. If you go for a overdraft facility, the interest rate will be about the same level as a cheap consumer loan.

It is always the case that higher security, equity and value of mortgage objects will provide better room for negotiation on the terms. That doesn’t mean you have to have all this to get a loan. A corporate loan will generally always be less expensive than taking a private consumer loan to cover expenses in the company. In addition, it is then the company and not you personally that guarantees the loan (sometimes you give personal guarantee on business loans as well, to get better terms).

Dissemination of loans

Dissemination of loans

Sut Lovingood is not a financial institution, but a bridge builder between lenders and borrowers in the business sector. When you search for business loans through us, we have made a preliminary work and found good financial partners for you.

The partner you get through us will be a provider that helps you find the best solution for your business. You shouldn’t worry about meeting someone who just wants to push you their most expensive consumer loan. Instead, you get a strategic long-term partner who wants to contribute to growth in your company.

The actual customer relationship therefore becomes direct between you and the lender if you want to go for one of the players you receive via us. Our service is completely free and non-binding for you so you are free to accept or reject offers as you wish.


Consumer Loans for Businesses

 Consumer loans for businesses

The very few banks offer consumer loans to businesses, but that does not mean that they do not exist. In this article, we have therefore created an overview of which banks offer corporate loans without collateral.


The fact that private individuals can raise unsecured consumer loans is a known matter, but what about businesses? It’s not as easy, we’ll believe the banks.


We have contacted all banks in Finansportalen’s overview of consumer loans and asked if they also offer unsecured consumer loans for companies. Only one of the 50 banks answered yes. This was Svea Finans.

Are you the only ones on the Norwegian market that offer unsecured loans to companies?

 Yes, on this type of business loan where you get both answers and money in the day, says Kristine Jeanette Vestad, marketing manager at Svea Finans.

This is how Svea’s corporate loan works We have talked to Svea Finans to find out how this type of loan works and what is the real difference between a business loan and a consumer loan for private individuals.


What is the difference between applying for Business Credit and applying as a private individual?
– The difference is that one applies to loans to companies and the other people.

What is the risk for the applicant?
– The degree of risk for the applicant depends on whether or not the credit is secured.

What is the risk for you?
– The risk for Svea Finans is that the money can be lost by default. We take greater risk when we do not require security.

Therefore, you are refused a credit card and loan application

What happens if the company is unable to repay the loan?
– The credit will be sent for debt collection for further follow-up. We always try to find good repayment solutions with our customers if needed.

In what cases can a company need a corporate loan?
– There may be several reasons why a company needs a corporate loan. It may be that the company is in a growth phase and / or that they need extra liquidity to ensure operations.

What should the applicant think about before he / she takes up the company loan?
– The applicant should think about how the credit should be used and how the credit should be served.

Are these applications handled manually? How long is the treatment time?
– Business Credit is an electronic and automated solution. The company can withdraw money one business day after they have been granted the credit.

What are the average rates on such loans?

What are the average rates on such loans?

– The nominal annual interest rate is between 11.9 and 22.9%, depending on the credit score. The average interest rate is 16%. This type of loan is the alternative to a credit card, and therefore a safer and cheaper solution.

How can one provide security for such a loan?

The security that can be provided is bail – that is, the most common way is that the person with the right to sign in the company is personally responsible. This security is made in the application process. Consumer loans for starting a company The start-up phase is the most critical part for all newly established companies, and especially the financial must be in place for stability in the future. Here most people use equity and / or loans, and often also external investors.

To map out potential expenses associated with a start-up phase, you should first create an overview of capital requirements. How much money do you need for the wheels to go around before you eventually receive revenue through the company? How much do you need for equipment and the like?

If you also need to establish an AS (limited company), this will cost you NOK 30,000 in fees. This previously cost NOK 100,000, but in recent years has been significantly reduced.

Also read: What is a payment note? Company loan when you need liquidity Some companies are bailing on loans to prevent company wheels from stopping. Liquidity is the term for ability to pay, and describes the ability of the company to pay. The higher the liquidity, the greater the ability of a company to pay wages, taxes, development costs and the like.

As Svea has mentioned earlier, there may be several reasons why a company needs a corporate loan, among other things, that the company needs increased liquidity to ensure its operations.

Loan with payment reminder

Loan with payment reminder

Most banks Henry have been in contact with rejecting that they offer consumer loans to companies, but several banks mention that they can help in certain cases.

– We do not offer consumer loans to companies and have no plans for this either. For companies in need of funds due to short-term low liquidity or other relevant factors, we assist with short-term loans to solve acute and temporary liquidity challenges for the company, writes communication manager at SpareBank 1 Østlandet, Bjørn-Inge Haugan, in an e-mail for Henry

The alternative: Search for consumer loans as an individual
Banks are positive about new regulations It is also possible to apply for consumer loans as a private person to ensure liquidity or start-up funds for the company, but if you fall on this solution it is important to remember that you have the personal responsibility for the risk.

– We only lend money to private individuals with social security numbers and not to companies with corporate numbers. Having said that, we have a clear impression that some entrepreneurs raise loans with Instabank that will be used to invest in a phase where one establishes business and it is difficult to obtain other capital for the business.

 Tighten lending further with regulatory proposals

Berg says that he does not have figures on exactly how much of the bank’s loans fall into this group, but on the basis of customer surveys he knows that there is a group of “a certain size”. The terms for the consumer loan are determined on the same basis as otherwise, says the bank manager.