Help with financing

Here you’ll find answers to your questions about our financing solutions

Many people have questions about

What’s the difference between a loan and leasing?

Where will I find agreement documents?

Company loans

You’ll find loan documents in the archive in the corporate internet 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:

Are you wondering what a refunded amount is?

When will the money appear in the account?

Term loans

Find documentation in the online bank

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.

Tips! 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

No vouchers are created for direct debits. For these, you’ll need to use the statement and repayment plan 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 internet bank. You need to be an administrator to access the documents.

Documentation for existing loans

Documentation for new 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 collateral is offered:
  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 collateral is offered:
  Real estate (with valuation/valuation)

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 collateral is offered:
  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 var. Select the one that best suits you:

How to do it

Price and processing time

Minimum loan amount

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

Leasing and sales mortgages

Changes during the agreement term

Terminating the agreement

You can request to buy the item outright during the period.

Get in contact with us by phone on +47 915 06 202 or email ksb@dnb.no

Log in to the DNB Portal to see the agreement details.

Transferring the agreement to a third party

You can transfer the agreement to a third party, but a new tenant must be authorised by DNB.

Send an email to ksbkreditt@dnb.no with details of the new tenant and we’ll get in touch.

The agreement is coming to an end. What happens next?

At the end of the term of the lease, you can choose to:

1. continue the term of the lease;
2. ask to buy the item;
3. return the item.

If there is an agreed residual value at the end of the term of the lease, the item must be returned to the party that has guaranteed the residual value. This is usually the supplier/dealer or DNB. Residual value is most common with vehicle financing.

Check the remaining period

Log in to the DNB Portal to find this information.

Get a copy of the agreement documents

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.

Get an offer for buying the item outright

If you’d like an outright purchase offer after the end of the lease period, you can get in touch when the invoice for the last instalment in the minimum period has been received.

Not sure how long the agreement runs for? You’ll find this in the DNB Portal.

What would you like to do?

Invoicing

Registered in the ELMA register

If the company is registered in the ELMA register, an invoice is automatically sent as an EHF (eFaktura (eInvoice) for business).

Not registered with EHF (eFaktura (eInvoice) for business)

If you’re not registered with EHF, invoices will be sent by regular post.

Receive invoices by email

If you’d like invoices sent by regular post let us know.

- Call us on: (+47) 915 06 202
- Email: ksb@dnb.no

Receive invoices

Which applies to you?

Labelling invoices

We can label invoices with the following:

- ContactID/Accounting customer party
  This will appear on address line 2
- AccountingCost
  User on the agreement
- BuyerReference
  This is your reference.
Call us on 915 06 202 or send us an email ksb@dnb.no with details of how future invoices should be labelled.

What would you like to do?

How to do it

Own insurance

Leasing with a residual value

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.

Outstanding debt on 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.

Missing change of ownership notification

Outstanding debt on the sales mortgage

Contact us

Customer Service Business

Opening hours and telephone numbers

Phone number915 04800Monday to Thursday08:00 - 20:00Friday 08:00 - 18:00Saturday10:00 - 15:00SundayClosed

Opening hours and payment deadlines Easter

We have now published payment deadlines and opening hours for telephone and chat for Easter 2025.

Chat

Our chatbot Aino will answer questions 24/7 and can help you with a lot.

If you open a chat in the online bank and Aino doesn’t know the answer, you’ll be able to continue the chat with an adviser during the corporate department’s opening hours.

Notification of unacceptable circumstances

Unacceptable circumstances include circumstances that are in breach of legal rules (laws, regulations etc.), DNB’s written ethical guidelines (Code of Conduct) or ethical norms to which there is broad adherence in society.

For customers who are deaf or hard of hearing

We are available through digital services such as chat and contact forms when you are logged in to the online bank, in addition to text message services.

If these services cannot be used, we can be contacted by telephone using Text telephone 149 (Telenor), Image interpretation service (NAV), and via our appointment booking form above.

Help with financing

Many people have questions about

Term loans

How to do it

Leasing and sales mortgages

How to do it

See also

Green loans

Fleet management

Overdraft facility

Capital Raising

Contact us

Opening hours and telephone numbers

Opening hours and payment deadlines Easter

Chat

Notification of unacceptable circumstances

For customers who are deaf or hard of hearing