Revenue-based Financing

The minimum amount is NOK 50,000. We calculate the maximum amount based on key figures in your business.

The maximum loan amount is calculated based on the company’s annual revenues, operating income and profit. DNB will calculate key financial figures for the company based on available financial statements, as well as transactions on the company's current account(s). DNB will then estimate the company’s capacity to repay the loan, and a revenue forecast for the next 12 months.

Based on estimated annual revenues and the desired loan amount, DNB calculates a fixed sweep percentage of all revenue to the customer's current accounts in DNB. For each income transaction (e.g. through sales), DNB automatically sweep a share of the payment to repay the loan. Note that DNB sweep from all types of payments to the current account(s), regardless of the source of these payments (POS, Vipps, invoice etc.). DNB will not sweep from transfers between your own accounts.

Revenue-Based Financing must be repaid within 12 months from the time of loan disbursement to the current account. In some cases, the loan will be repaid quicker than 12 months if the company receives higher revenues than DNB has forecasted. When the loan has been repaid in full, the financing agreement is terminated, and the loan account is closed.

If the company has had lower revenue than predicted in DNB’s forecasts, a residual amount may be left on the loan balance after 12 months. As a customer you are responsible for ensuring that the loan is repaid in full before the end of the agreement term and you must therefore ensure that the outstanding amount is repaid. You can easily repay the outstanding amount by making an extra payment directly to the loan account.

If the entire outstanding loan balance is not repaid in full after 12 months, DNB will regard the terms of the agreement as violated and DNB will have to take further actions to handle the agreement as defaulted.

Yes. As a customer, you can make extra repayments at any time by transferring an amount directly to the loan account, like other installment-based term loans at DNB. Note that extra repayments do not affect the automatic sweep from incoming payments to the current accounts.

No. If you have established an agreement for Revenue-Based Financing, it will run for up to 12 months. You cannot increase the loan limit or extend the repayment period during the agreement period. You can repay the loan at any time by paying off the entire outstanding loan balance before the term date of the agreement and then applying for new financing at DNB.

You can only have one Revenue-Based Financing agreement simultaneously. On the other hand, you can have other loans and lines of credit at DNB or other banks alongside your Revenue-Based Financing. The exception is that you cannot have an existing overdraft facility or factoring (receivables financing) at the same time.

Yes. DNB must be your primary bank to apply for Revenue-Based Financing. This means that all your operating income must be received at one (or more) of your current accounts in DNB. It will be considered a violation of the agreement terms if you open a current account for receiving operating income in other banks during the agreement period.

You can access your company’s online banking to see your current account statement and get an overview of the incoming payments DNB has swept from and the amounts. Similarly, you can access the Revenue-Based Financing account in your online bank to get an overview of the repayments and see the outstanding balance.

The advantage of Revenue-Based Financing is that it’s easy for the customer. There are no accrued interests during the agreement period, only a one-off fee that is added to the loan amount to be repaid. The size of the fee will depend on the loan amount. For example, if you borrow NOK 100,000 and the fee is calculated at NOK 10,000, you’ll repay NOK 110,000 over 12 months. No other costs will incur other than this fee.