Finance

Name: Localmarket
Address: Karenslyst Alle 4, Oslo, 0278
Telephone: + (47) 23 89 88 63

Business financing in Norway — loans, leasing and equity for start-ups and growing companies

Financing options for all types of companies in Norway. You know your business; we know how to help you — whether you are planning a start-up or developing an active company.

Together with our partners, we offer products suited to your business: unsecured and secured loans for purchasing new equipment, working capital, flexible asset financing and leasing agreements, as well as equity financing for new start-ups through BAN – Business Angel Network Norway, Angel Investment Network – Scandinavia and Venture Capital networks.

To use external financing, management must show the lender that the company will generate the income and cash flow needed to repay the loan on its terms and to pay the interest. Understand your options and learn more about the Different Funding Options available at each stage of your business journey. During the application process you can get free support and guidance from us in writing a business plan and preparing a cash flow forecast.

What we offer

Business Loan — Bedriftslån

Investment Advisory — Investeringsrådgivning

Business Data Analytics — Forretningsanalyse

Business Consulting — Strategisk rådgivning

Types of business financing

Business loans — Bedriftslån. Unsecured loans for smaller needs, or secured loans against property, equipment or other assets for larger investments. Secured financing usually means a lower interest rate.

Working capital. Credit lines and overdrafts (kassekreditt) help bridge the gap between paying suppliers and receiving payment from customers. Invoice financing (fakturakjøp / factoring) turns unpaid invoices into cash straight away.

Leasing and asset financing — Leasing. Vehicles, machinery and equipment can be financed over their useful life, so you preserve cash for running the business.

Equity — Egenkapital. Early-stage companies can raise capital from business angels and venture capital funds in exchange for shares. Investors look at the team, the market, scalability and a credible plan for growth.

Public support. Innovasjon Norge offers loans, grants and advisory services for start-ups and growing companies, and the SkatteFUNN scheme gives tax deductions for research and development projects. These can be combined with private financing.

Compare business loan offers →

Why LOCALMARKET.no?

We bring financing partners and advisers into one place and help you prepare the documents lenders and investors expect. You understand your options before you commit.

Every stage. From the first start-up capital to financing growth.
Several partners. Loans, leasing and equity compared side by side.
Free help with documents. Business plan and cash flow forecast.
Plain-language guidance. We explain Norwegian lending practice and terms.

How it works

Your request. Tell us about your company, your plans and how much you need.
Analysis. We assess which type of financing fits your stage and situation.
Preparation. We help with the business plan and cash flow forecast.
Offers. You receive proposals from partners and choose the best solution.

Frequently asked questions

What do lenders look at?
Your ability to repay: earnings, cash flow, existing debt, collateral and the experience of the management team. A clear business plan and a realistic cash flow forecast make a big difference.

Can a newly started company get a loan?
Yes, but it is harder without a track record. Collateral, a personal guarantee, public support schemes or equity from investors can improve your chances.

What is the difference between a loan and equity?
A loan must be repaid with interest, but you keep full ownership. With equity, investors receive shares in your company instead of repayments.

Do you charge for help with the business plan?
No. During the application process you get free support and guidance from us in writing a business plan and preparing a cash flow forecast.