Flexible Business Loans
What Types of Companies Can Get Financing Through FundingPartner?
We facilitate loans for medium-sized businesses and real-estate projects with financing needs ranging from 2 to 200 million Norwegian kroner. We categorize these into three main loan types: loans for medium-sized businesses, loans for property projects, and loans for scaleups.
Real-Estate Projects
We offer flexible loans to real-estate projects and real-estate developers. Flexibility for us, mean that you can, among other things, obtain higher leverage (lower equity requirements) and lower presale requirements and collateral than you typically would in the bank. We customize loans for each company based on what matters most to the borrower.
With us, you receive a dedicated contact person who supports you along the way, ensuring that you quickly receive the clarifications you need. We can provide indicative offers within two days (often the same day) and final offers within a week. If urgency is a concern, we can be even quicker.
Scaleup
We assist scale-up companies in financing their growth. Far too few scale-ups have access to adequate loan financing. As a result, many are forced to resort to costly equity financing, which dilutes existing owners and founders. We're here to change that.
Hence, we provide loans to companies in the scaling phase, also known as venture debt or venture loans. These loans are primarily secured against the company's own assets such as IP, inventory, and accounts receivable. In some cases, we can also facilitate loans with low or no collateral. If the company has existing bank loans or loans from Innovation Norway, we are often able to arrange loans on top of these.
For loans to scaleups we require that the company have a valuation over 100 million norwegian kroner, have professional owners, and have a product generating revenue.
Medium-Sized Businesses
We believe that growing medium-sized businesses are the backbone of the Norwegian economy. Therefore, we provide flexible business loans tailored to the specific needs and situations of each company.
We finance growth, increased working capital, acquisitions, short-term bridge financing, or other projects contributing to growth and increased profitability. We also offer loans for business owners with successful ventures who are looking to fund new endeavors.
Many individuals find that traditional banks primarily focus on historical financial data. We dive into the company's present situation to comprehend its current standing and, more importantly, its future. Through flexible financing, we can, among other things, offer loans with reduced collateral requirements and tailor the repayment plan to align with cash flows.
We always provide multiple offers, allowing the company to choose the solution that works best for them.
3000
Estimated number of jobs created
100%
Of all loans are fully funded
390 MEUR
Amount funded
What Does the Application Process for Business Loans Look Like?
We know that no two companies and their financing needs are exactly alike. That's why we customize loan offers tailored to each individual project and situation. Typically, the entire process takes about 3-4 weeks from initiation to loan disbursement.
How long does it take to submit an application for a business loan?
It takes less than 2 minutes to submit an application for a business loan. Choose 'Apply for a business loan' and fill out the form with essential details, we will then reach out to you.
How long will it take to receive feedback on a loan application?
We will contact you within the next working day.
When can I expect to receive an offer for a business loan?
You can expect to receive an indication of possible loan terms within a week. From there it typically takes an additional week to receive final confirmation on the offer.
Applying for a loan is non-binding.
What Are the Differences Between Business Loans and Bonds?
What amounts apply to business loans and bonds?
Crowdlending through FundingPartner:
NOK 1,5m - 30m
Bonds through FundingPartner Securities:
NOK 30m. – 200m.
Who can apply for business loans and bonds?
Crowdlending through FundingPartner:
Norwegian medium-sized businesses.
Bonds through FundingPartner Securities:
Medium to large sized businesses.
When are interest payments due for business loans and bonds?
Crowdlending through FundingPartner:
Monthly
Bonds through FundingPartner Securities:
Quarterly
What kind of documentation is required for business loans and bonds?
Crowdlending through FundingPartner:
Loan agreement, case presentation
Bonds throughFundingPartner Securities:
Bond agreement, case presentation, prospekt
Is VPS registration required for business loans and bonds?
Crowdlending through FundingPartner:
No
Bonds through FundingPartner Securities:
Yes
Is a trustee required to establish business loans and bonds?
Crowdlending through FundingPartner:
No, but defaulted loans are transfered to our collection agent.
Obligasjoner through FundingPartner Securities:
Yes
The FundingPartner Group provides capital to businesses through crowdlending and bonds. The applicable product depends on the amount of the loan.
Due to different regulations for crowdlending and bonds, the requirements for loan documentation slightly differ. FundingPartner assists you throughout the process of drafting the documentation.
Initially, borrowers only need to interact with FundingPartner or FundingPartner Securities. For bonds, VPS and a trustee will also be involved
Learn more here: Frequently Asked Questions .
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