With extensive experience from capital markets, we specialize in operational financing for medium-sized companies in the Nordics. We have long-standing relationships and experience assisting both listed companies with complex financing needs and smaller businesses with financing starting from as low as NOK 10 million. Our goal is to help clients find optimized financing solutions that support growth and efficient development
Our services
Revolving credit facility
A revolving credit facility is a flexible credit line provided by one of our lenders, offering the company access to a predetermined borrowing limit that can be used whenever additional liquidity is required. The company can draw from the facility as needed and repay it when funds are not in use, making it a reliable “buffer” for the business.
This solution is particularly well-suited for companies experiencing significant seasonal fluctuations, unexpected inventory or investment costs, or those seeking extra security to meet liquidity needs.
Overdraft facilities are typically granted for a one-year term, with the option for renewal. The company has full control over repayment timing within the credit line’s term.
The facility can be combined with loans from the main bank or other financing sources. We assist in facilitating a clear and transparent overview of costs, helping to avoid any unforeseen expenses.
Receivables purchase agreement
Non-recourse factoring or a receivables purchase agreement allows a company to sell its invoices to a third party, typically a bank. This releases capital, enhances liquidity, and accelerates cash flow, while transferring the credit risk from the customer to the bank. Companies can choose to sell all or only part of their invoices, helping to reduce administrative work and minimize potential losses. Normally the full invoice amount is transferred instantly to the company, while the third party assumes the credit risk and late payment risk. The receivables are removed from the balance sheet, unlocking working capital that can be used for other purposes.
Benefits:
Reduced risk of customer losses
Immediate improvements in liquidity and balance sheet
Strengthened capital situation
When selecting a factoring partner, it is important to consider reliability, service terms, costs, and the provider’s reputation. Costs may vary depending on the structure, customer region, and credit risk.
Non-recourse factoring is ideal for companies looking to improve cash flow and finance operations without taking out loans or raising additional equity. With non-recourse factoring, both the invoice and the associated credit risk are sold. This provides working capital for other purposes without obligations. Companies can decide which invoices to sell and for how long, with no binding commitments.
Business loan
Through our network of partners, we can provide a wide range of term loans to support business growth or improve liquidity. Our goal is to make the process straightforward, offering financing solutions that are tailored to each company’s specific needs.
We primarily focus on business loans that do not require personal guarantees from major shareholders. Loans can be flexible and unsecured, or secured against accounts receivable or fixed assets. Interest rates depend on the company’s size, financial situation, and the terms of the individual loan.
We facilitate loan proposals efficiently, with personalized guidance and quick processing times. The repayment schedule is designed to suit the company’s needs, with typical terms of up to five years.
These loans can often be combined with financing from the main bank or other sources. We facilitate a transparent overview of all costs to prevent any unexpected expenses.
Factoring
A factoring agreement is a solution that typically combines invoice management with invoice financing. Under such an arrangement, accounts receivable are usually pledged as collateral, and the advance amount often covers 80–90% of the invoice value. This provides the company with rapid access to liquidity and helps free up working capital, while a third party, typically the bank, manages the invoice administration.
Factoring is especially suited for businesses with a high volume of invoices and a need for streamlined invoice handling. The company retains the credit risk for late or unpaid invoices, but the arrangement improves oversight, reduces administrative workload, and ensures a more predictable cash flow.
Benefits of Factoring include:
Quick access to liquidity without issuing a new loan
Reduced administrative effort associated with invoices
Increased cash flow and better capital management
Greater focus on growth and core business operations
Real estate financing
For property development or the acquisition of new real estate, we can assist in securing optimal financing. We primarily focus on property loans between NOK 10 and 50 million, but can also arrange financing of up to NOK 100 million for selected projects.
We facilitate loans of up to 70% LTV (loan-to-value), secured with first- and/or second-priority mortgages. The financing can be used as short-term bridge financing or as mezzanine/top-up loans in combination with other funding sources. The loan structure and repayment profile are tailored to each individual project.