What Fair does

Fair Group AS is a Norwegian fintech group founded in 2018 that operates a digital, automated platform for debt collection, invoice distribution, and accounts receivable management across the Nordic region. The group's operating entities include Fair Collection AS (debt collection; third-largest in Norway by volume with 500,000+ cases handled annually), Fair Distribution AS (invoice distribution processing 40M+ invoices per year at a 95% digitalization rate), Fair Solution, and Fair24. Core technology includes the proprietary Fair Multikanal distribution platform (supporting eFaktura, AvtaleGiro, EHF, Digipost, email, SMS, and postal channels), a fully automated back-office, and self-service portals (Kundeportalen for debtors with BankID authentication and Vipps/card payments; Kreditorportalen for creditor clients; Fair24 for distribution customers). The October 2025 acquisition of a technology company brought all proprietary systems in-house.

The business model combines transaction-based fee revenue from regulated Norwegian debt collection fees and per-invoice distribution pricing, supplemented by managed services for accounts receivable administration (Reskontro), and affiliate/referral revenue from a long-standing strategic partnership with Creditsafe for commercial credit information and from partnerships with leading Norwegian and Nordic banks offering invoice purchasing, invoice lending, cash credit and installment solutions. GTM is hybrid: direct enterprise sales for large-volume creditor clients combined with product-led growth through self-service portals for both debtors and SMB creditors. Fair is privately held with no external funding rounds disclosed, reports 11-50 employees, and is headquartered at the Parallell building in Løren/Økern, Oslo. The company has been named to the FT1000 list of Europe's fastest growing companies for three consecutive years (2024-2026), achieved ISO/IEC 27001 certification in June 2026, and has been a UN Global Compact signatory since January 2023.

Name

Fair

Legal name

Fair Collection AS

Website

https://fair.no

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Fair Group is a Norwegian fintech founded in 2018 operating Fair Collection (debt collection), Fair Distribution (invoice distribution), and Reskontro (accounts receivable management), serving Nordic businesses and public-sector clients via automated digital portals and the Fair Multikanal distribution platform.

Ownership category

akta.pro rank

Product category

Debt Collection & Accounts Receivable Services

NAICS

Collection Agencies (561440), Collection Agencies (56144), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Third-Party Collection Agencies (Consumer) (FSAKAJAB)

akta.pro secondary industry

ACH Disbursements & Bulk Payout Processing (FSAMAGAF)

Keywords

• Debt collection services
• Invoice distribution
• Accounts receivable management
• Credit information services
• Invoice financing

Headquarters

HQ city

Oslo

HQ country

Norway

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Debt Collection Services (Inkasso): Fair Collection charges fees for debt collection services based on regulated Norwegian debt collection rates. The company handles over 500,000 debt collection cases annually for businesses and organizations. Fees include collection fees, reminder fees, late payment interest, and late payment fees as regulated by Norwegian law.
2. Invoice Distribution Services (Fakturadistribusjon): Fair distributes invoices on behalf of clients across all Nordic channels (eFaktura, AvtaleGiro, EHF, Digipost, email, SMS, postal). The company processes over 40 million invoices annually and charges for distribution services, delivering cost reductions of up to 50% versus traditional methods.
3. Accounts Receivable Management (Reskontro): Fair provides ongoing accounts receivable administration services including payment matching, bank reconciliation, interest invoicing, credit notes, reporting, escalation to collection, customer service, and installment arrangements. Services are provided to creditor clients on an ongoing basis.
4. Credit Information Services (Kredittopplysning): Through a strategic partnership with Creditsafe, Fair offers credit information products to clients at discounted rates. Creditsafe provides commercial credit reports, real-time data from over 8,000 sources, and predictive scoring cards. Fair earns referral/commission revenue from Creditsafe for directing clients to their services.
5. Financing Solutions (Finansiering): Through partnerships with leading Norwegian and Nordic banks, Fair offers clients financing solutions including invoice purchasing, invoice financing, cash credit, payment deferral, and installment options. Fair acts as an intermediary between clients and banking partners, earning referral fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Fair is a Nordic financial services company offering debt collection (inkasso), invoice distribution, and accounts receivable management to Norwegian businesses and organizations. Through its Fair Multikanal platform, the company processes over 40 million invoices annually across all Nordic distribution channels and handles more than 500,000 debt collection cases per year, making it Norway's third-largest debt collection company by volume. Complementary offerings include credit information services (via Creditsafe partnership) and financing solutions (via Nordic bank partnerships).

Product overview

Fair operates as a fully integrated invoice management and debt collection platform for the Nordic market, comprising three main service areas: Fair Collection (debt collection with 500,000 annual cases), Fair Distribution (invoice distribution handling 40 million invoices yearly), and Fair Solution. The platform is built around Fair Multikanal, a modern multichannel distribution platform supporting all Nordic invoice formats. Supporting services include Reskontro (accounts receivable management), Kredittopplysning (credit information via Creditsafe partnership), and Finansiering (banking partnerships for invoice financing). Customers access services through the Kundeportalen (customer portal) and Kreditorportalen (creditor portal), both offering self-service capabilities with BankID authentication.

Differentiator

Problem solved

Functional benefit

Brands

• Fair Multikanal: Market's most modern distribution platform for invoices and documents, supporting all channels for distribution of invoices and documents.
• Fair-ligaen
• Fair24

Products and services

• Fair Collection (Inkasso) Debt recovery service that recovers unpaid debts on behalf of Norwegian businesses and organizations. Uses automated back-office processes and a fair, empathetic approach to maintain high resolution rates while preserving customer relationships. Handles over 500,000 cases annually.
• Fair Multikanal (Invoice Distribution) Multichannel distribution platform for invoices and documents supporting all major Nordic channels including eFaktura, AvtaleGiro, EHF, Digipost, email, SMS, and postal mail. Processes over 40 million invoices annually with a 95% digitalization rate and 50% cost reduction for clients.
• Reskontro (Accounts Receivable Management) Outsourced accounts receivable management service that keeps receivables updated, reconciles accounts with high SLA standards, handles invoice claims, installment arrangements, payment extensions, and interest calculations for business clients.
• Kredittopplysning (Credit Information) Credit information service offered through a partnership with Creditsafe, providing commercial credit reports, AML/KYC compliance, company monitoring, and API integration at preferential rates to Fair's clients.
• Finansiering (Financing Solutions) Financing solutions offered through partnerships with leading Norwegian and Nordic banks, including invoice purchasing, invoice financing, cash credit, payment deferral, and installment options for creditor clients.
• Kundeportalen (Customer Portal) Self-service customer portal allowing debtors to view debt collection cases, make payments via Vipps or card, apply for payment extensions, submit objections, retrieve invoice copies, and manage personal information using BankID authentication.
• Kreditorportalen (Creditor Portal) Self-service creditor portal for business clients to track collection cases, monitor deliveries, access reporting, and manage debt collection workflows with full transparency on all actions taken.
• Fair24 Customer-facing portal for Fair Distribution clients to access and manage invoice distribution services and related tools.

Quantifiable outcome

• 500,000+ debt collection cases handled annually
• +7 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered flagship, minor and core.

• Fotballstiftelsen (Football Foundation)flagshipStrategic or Co-development Partner · 19 December 2025Fair Group became the general partner for Fotballstiftelsen in a five-year partnership described as the largest sponsorship deal in both organizations' histories. The partnership, branded as 'Fair-ligaen' (replacing 'Gatelagsligaen'), supports street football teams at top Norwegian football clubs providing people with substance abuse challenges a chance at a new life through football. The partnership aligns with Fair's values of fairness, inclusion, and creating opportunities for people outside the mainstream.
• Amnesty International NorgeminorStrategic or Co-development Partner · 11 December 2025Fair renewed its partnership with Amnesty International Norge for three additional years. Fair is a 'Rainbow Ambassador' (Stolt Regnbueambassadør) for Amnesty, supporting LGBTQ+ rights. The partnership reflects Fair's commitment to inclusion and human rights values.
• CreditsafecoreStrategic or Co-development PartnerFair has worked closely with Creditsafe since its founding, offering Creditsafe's credit information products to all Fair clients at preferential rates. Creditsafe is the world's leading provider of commercial credit reports, offering real-time data from over 8,000 sources and predictive scoring cards that can predict up to 70% of bankruptcies up to 12 months in advance. Fair clients receive access to credit information through Fair's customer portal and discounted API integration.
• Leading Norwegian and Nordic BankscoreChannel Partner/ Reseller/ DistributorThrough partnerships with leading Norwegian and Nordic banks, Fair offers clients various financing solutions including invoice purchasing, invoice financing, cash credit, payment deferral, and installment options. These banking partnerships enable Fair to provide a comprehensive financial services offering to its creditor clients and their customers.
• Norges domstoler (Norwegian Courts)coreChannel Partner/ Reseller/ DistributorNorwegian Courts served as a pilot customer for Fair's invoice distribution services. Before implementation, the courts had an 85% paper share and only 15% digital share. After switching to Fair's solution, they now have an 80% digital share, demonstrating Fair's ability to drive digitalization even in large public sector organizations.
• VegfinansminorChannel Partner/ Reseller/ DistributorVegfinans uses Fair's invoice distribution platform. The company reported that Fair's portal is very user-friendly and has given their customer service center much more information about invoice dispatches, enabling them to help customers in a simpler and better way.
• VegamotminorChannel Partner/ Reseller/ DistributorVegamot uses Fair's accounts receivable management services. The company's COO Jørgen Dahlberg noted that Fair has the newest multichannel solution for distributing invoices and documents in the market, with great expertise in this area, and that production implementation was achieved in only one month.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Kredinor: Norway's largest debt collection company. Directly competes with Fair Collection on Norwegian B2B and consumer debt recovery, with overlapping customer base of Norwegian businesses. Fair explicitly hired a collection leader (Helene Sælen-Årrestad) from Kredinor, underscoring direct head-to-head competition.
• Svea Inkasso: Nordic financial services group (Svea) with debt collection, AR management, and invoice distribution offerings across the Nordics. Closely comparable to Fair's combined collection + distribution + financing service stack in overlapping Nordic geographies.
• Alektum Group: Nordic-headquartered debt collection and AR management specialist with operations in Sweden, Norway, Finland, and Switzerland. Closely comparable to Fair on multi-channel collection technology and Nordic B2B/consumer recovery offerings.
• Aktiva (Intrum sub-brand Finland): Finnish debt collection and AR management provider serving businesses with multi-channel recovery. Comparable to Fair on Nordic invoice distribution and managed AR services, particularly as Fair expands its Multikanal distribution into Finland.

Broad incumbents

• Lowell: Major European credit management group with Nordic operations. Competes with Fair in B2B and consumer debt collection across the Nordics, with broader debt purchasing and servicing capabilities that dwarf Fair's narrower Norwegian footprint.
• Intrum: Stockholm-listed European leader in credit management services with significant Norwegian operations. Competes with Fair on Nordic debt collection and AR management at scale, while also serving adjacent verticals (credit analytics, debt purchasing) that broaden its portfolio.
• B2 Holding ASA: Norwegian-listed acquirer and servicer of non-performing loan portfolios across Europe. Competes with Fair in debt collection workflows and overlaps on Norwegian AR servicing, while operating a larger debt-purchasing portfolio that differentiates its business model.

Others

• Vipps: Norwegian mobile payments platform integrated by Fair for debtor payments. Not a competitor but an ecosystem enabler — Fair's Vipps integration in the Customer Portal is a critical UX differentiator for self-service debt resolution.

Emerging players

• Compello: Nordic-based provider of invoice distribution, e-invoicing, and AR automation. Directly overlaps with Fair Multikanal on multi-channel invoice dispatch, though with a heavier focus on electronic formats and software-led delivery.
• Walley (Collector Bank): Nordic buy-now-pay-later and consumer credit specialist with collections and AR capabilities. Comparable to Fair on the intersection of financing solutions and debt recovery, particularly in B2B2C creditor relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fairgroupas

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fair