Help with financing
Here you’ll find answers to your questions about our financing solutions
Many people have questions about
Loans mean that the company itself owns the item. Therefore, the item must be capitalised in the balance sheet, and it depreciates over time.
Under a lease agreement, the object is leased for a predetermined period of time. This provides simpler and more predicable accounting treatment.
Business loans
You’ll find loan documents in the archive in the corporate online bank. You need to be an administrator to access the documents.
Leasing
The company’s managing director can retrieve agreement documents in the DNB Portal
This applies to all agreements that have been eSigned after 28/9/2020.
Sales mortgage
The company’s managing director can retrieve agreement documents in the DNB Portal
This applies to all agreements that have been eSigned after 28/9/2020.
If you have any questions, call us on 915 06 202 or email ksb@dnb.no
The agreement documents are stored in slightly different places depending on which type of agreement you’ve entered.
Select the one that applies:
703205
Call Factoring on 912 41 945.
520106
Call DNB Finans on 915 06 202.
Which six figures does the account number start with?
You can expect to receive money in your account shortly after the agreement is signed.
Term loans
Year-end statement
The annual term loan statement can be found in the online bank under Payments - Archive - Year-end statements.
Note: The year-end statement is only available to administrators in the online bank.
You’ll see who is an administrator on the right of the corporate online bank’s home page.
Repayment plans
You can see the loan’s repayment plan in the online bank, under Accounts - Financing - Loans and credits.
Tip! If you are a user in the online bank, you will find the repayment plan by selecting To previous loan overview
Transaction history
To see the loan history/transactions, check the recent activity on loans in the corporate online bank under the option Accounts - Financing - Loans and credits.
Vouchers for loan AvtaleGiro (direct debit)
No vouchers are created for direct debits. For these, you’ll need to use the account statement to enter them correctly in the accounts. You will find this under Accounts - Financing - Loans and credits.
Loan documents
You’ll find loan documents in the archive in the corporate online bank. You need to be an administrator to access the documents.
Documentation for existing loans
General information about documentation
We normally ask for the following documentation as a basis for evaluating the application:
- A description of the company/business, owner(s), customers and competitors;
- The purpose of the financing;
- Last year’s income statement and balance sheet (business statement for sole proprietorships (enkeltpersonforetak))
- Income statement so far this year
- Budget for current and next year
- Information about which security is being placed:
Property (with rate/value assessment)
Surety (for this we need the guarantor’s most recent tax return).
General partnership with shared liability (DA) and general partnership with joint and several liability (ANS)
We need the following documentation:
- A description of the company/business, owner(s), customers and competitors;
- Copy of the company agreement;
- The purpose of the financing;
- Last year’s business statement for the company;
- Income statement so far this year;
- Budget for current and next year
- information about which security is being offered:
Property (with rate/value assessment).
Co-ownership
We need the following documentation as a basis for evaluating the application:
Signed annual meeting minutes which include the following details:
- who is on the board;
- decision on borrowing with exact amounts;
- how long the co-ownership wants the repayment term to be;
- decision on increased joint expenses if current rent doesn’t cover borrowing costs;
- the minutes must state that the decision has been made with at least a 2/3 majority;
the co-ownership’s current articles of association.
Accounting
Budgeting
Real Estate
We ask for the following documentation as a basis for evaluating the application:
- A description of the business, owner(s), customers and competitors
- Projected calculations for the property
- FINN code for the property if available
- Tenancy agreement(s) for the property (if the property is currently being rented out fully/partly)
- Last year’s income statement and balance sheet
- Income statement and balance sheet so far this year
- Budget for current and next year
- Information about which security is being placed:
Property (with rate/value assessment)
Surety (for this we need the guarantor’s most recent tax return).
The documentation needed will vary. Select the one that best suits you: