Help with financing

DNB makes an individual credit assessment and pricing of all business loans.

Submit an application and be contacted by a financial adviser

Initially, we don’t recommend taking out a business loan for amounts less than NOK 50,000.

The reason for this is that the set-up costs will make up such a large proportion of the total amount that the effective interest rate will be unreasonably high. The standard set-up cost is NOK 5000.

We therefore recommend that you look at alternative solutions such as depositing private funds or a corporate card with a credit limit.

See our corporate cards

If you’re using your own insurance, we need the details of this in order to remove/delete the insurance in the agreement. Feel free to send us an email with the insurance certificate, policy number (where applicable) and date when the insurance started.

NB! If the insurance covers a vehicle, the insurance company must place a guarantee in TFFauto.

Leasing with a residual value means that someone provides a guarantee for the value of the item after the term of the lease. Residual value means that the lease amount is significantly reduced because the item must be returned to the guarantor at the end of the term of the lease. The advantage of residual value is that the guarantor takes over the risk of fall in value during the term of the lease.

Leasing costs don’t have to be recognised in the accounts as outstanding debt in the same way as a loan. The vast majority of companies don’t need to show the lease agreement on the balance sheet.

Large companies (PLCs) must show the lease obligation and value of the item on the balance sheet. This is usually calculated as a future lease obligation for the remainder of the lease period, discounted to net present value.

If you’ve purchased a lease agreement, but haven’t received a change of ownership notification, you can go in to the Norwegian Public Roads Administration’s website and send a notification of change of ownership to DNB Finans.

For change of ownership use the phone number 468 40 942 and registration no. 984851006.

Get in contact with us by phone on 915 06 202 or send us an email to find out what the outstanding debt is.