Invest in Nordic Companies

FundingPartner makes it possible for you to invest in loans to Nordic companies. All loans are assessed by our analysts and presented in a clear manner. You choose which loans you want to invest in.

9 % Historical Annual Return

During 2018-2022, FundingPartner have delivered 9 % historical annual return. This is no guarantee of how future returns will be. However, it demonstrates that FundingPartner loans have been a solid alternative to both high-yield and stock investments in recent years.

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250 mEUR

Repaid interest and principal

390 MEUR

Amount funded

968

Facilitated loans

25 000

Investors

Why Invest in Business Loans and Bonds?

High interest rates with fixed payments

All loans and bonds feature monthly or quarterly interest payments, and some also include amortization payments.

We analyze, you choose

We analyze each company that is listed. You decide how to invest and to whom.

Access a new type of investments

Reduce risk by diversiying your portfolio through investing in business loans and bonds, together with other lenders.

Contribute to creating local job opportunities

Participate in financing Nordic companies to enable their growth and creation of local jobs.

Invest in Bonds

FundingPartner is Norway's largest platform for crowdlending to small and medium-sized businesses. Through FundingPartner Securities, we can now also offer investments in bonds to Norwegian companies ranging from 30 to 200 million kroner.

Larger amounts than business loans
Normally quartly interest payments
1-3 year term
No investment limit per year
Available for all investors

Experienced Credit Team

Our credit analysts are the most important competitive advantage and make up the largest department at FundingPartner

They assess every loan application that comes in and are responsible for structuring loans, evaluating risk, and maintain good relationships with excisting borrowers. Our credit team have backgrounds from banking, finance, auditing, and consulting, in firms such as Swedbank, Danske Bank, Nordea, DNB, Pareto, and PwC.

Credit Model Developed in Collaboration with the Norwegian Computing Center

FundingPartner have developed its own credit model, used to estimate the probability of a company going bankrupt.

The model was developed in collaboration with the Norwegian Computing Center, which has created credit models for several of Norway's largest financial institutions. This innovative model uses the latest in machine learning technology for risk analysis.

In addition to more familiar financial variables, it also includes soft variables such as whether the company has been involved in legal proceedings, changes in the number of employees, and other significant events.

How We Work to Ensure Good Quality Loans on Our Platform.

Screening

Risk assessment is the most important part of our work. Before a loan is made available to our investors, each company must pass our thorough selection process.

Analysis

The companies that meet our minimum requirements are analyzed by our credit team. In this process, we consider quantitative factors such as financial statements and budgets, as well as qualitative factors like the competence of the management. All loans must also pass our risk models tests, which have been developed in collaboration with the Norwegian Computing Center.

Credit Committee

Finally, each individual loan must be analyzed and approved by our Credit Committee, which have extensive experience from leading financial institutions such as Danske Bank, NBIM, and Goldman Sachs.

How We Handle Defaulted Loans

We make every effort to screen out companies we believe may default on their loan. However, there's always a risk with investing in loans and bonds, and in the worst case, you could lose the entire amount you've invested.

If a company defaults on its loan, our collection partner or trustee will handle the loan recovery. They may receive a portion of the amount they successfully collect on your behalf and/or be compensated based on the time spent on the recovery process.

We are transparent about defaulted loans and have created a dedicated page to provide updates on loans in collection process.