Finanseiendom

What Finanseiendom does

Finanseiendom AS is a Norwegian loan brokerage firm registered as an Aksjeselskap (org. nr 922 972 516) and headquartered at Brynsveien 3, Oslo. The company operates a direct-to-consumer platform that aggregates loan offers from a network of five Norwegian bank partners — Kraft Bank, Svea, Bank2, Instabank, and BlueStep — plus a referral relationship with Axo Finans, and presents the best options to individual borrowers at no cost. Its product portfolio spans six categories: secured refinancing (refinansiering med sikkerhet), restart loans (omstartslån), forced-sale prevention (tvangssalg), unsecured refinancing (refinansiering uten sikkerhet), consumer loans (forbrukslån), and bridging finance (mellomfinansiering), complemented by an online refinancing calculator. The technology stack is a web-based comparison and application platform with no disclosed AI or ML components; differentiation rests on multi-bank integration, a claimed 87% application approval rate including distressed-borrower cases, and a content-and-paid-acquisition marketing engine (Google Ads, Bing Ads, Facebook retargeting, organic social, Trustpilot).

The company is monetized entirely through affiliate commissions from partner banks — there are no customer-facing fees. Loan ranges span from NOK 10,000 for unsecured consumer loans up to NOK 20,000,000 for secured mortgage refinancing, with representative rates around 8.55% effective on long-tenor secured products. The customer base consists exclusively of Norwegian retail consumers, with the platform specifically targeting sub-segments that primary banks tend to reject: homeowners with payment remarks, inkasso, or active foreclosure proceedings. Distribution is fully digital, supported by personal phone-based advisory guidance, and the firm markets across organic content, paid search, paid social, and Trustpilot reputation channels. The team is small (1–10 employees), the company is privately held with no disclosed funding rounds, and operations are confined to Norway.

Name

Finanseiendom

Legal name

Finanseiendom AS

Website

https://finanseiendom.no

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Finanseiendom is a Norwegian loan brokerage platform, headquartered in Oslo, that aggregates refinancing and consumer-loan offers from multiple partner banks and refers individual consumers free of charge, earning commissions from banks.

Ownership category

akta.pro rank

Product category

Consumer Loan Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Personal Loan Refinance (Rate/Term) (FSAKAIAB)

Keywords

• Loan refinancing services
• Debt consolidation brokerage
• Mortgage refinancing advisory
• Consumer loan brokerage
• Debt management services

Headquarters

HQ city

Oslo

HQ country

Norway

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Commission from partner banks: Partner banks pay Finanseiendom for successful loan referrals. This is the primary revenue stream and allows the company to offer free services to customers. The company states 'det er bankene som betaler for vårt arbeid' (banks pay for their work).
2. Lead generation for Axo Finans: The company generates leads for Axo Finans (Norges største finansagent) on their loan application page, suggesting a referral partnership.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

Finanseiendom is a Norwegian loan brokerage that connects private individuals seeking refinancing and debt consolidation with multiple partner banks (Kraft Bank, Svea, Bank2, Instabank, BlueStep). The company collects loan offers from its bank network and presents the best options to customers free of charge, earning commission from partner banks for successful referrals. Services include secured refinancing, restart loans, forced-sale prevention, unsecured refinancing, consumer loans, and bridging finance.

Product overview

Finanseiendom is a Norwegian loan intermediation platform that offers a portfolio of debt restructuring and refinancing products targeted at private individuals facing financial difficulties. The core offering consists of six distinct loan products: (1) Refinansiering med sikkerhet — secured refinancing using residential property as collateral; (2) Omstartslån — a restart/refinancing loan that clears high-interest unsecured debt; (3) Tvangssalg — a forced-sale prevention service that refinances debt before court-approved bidding; (4) Refinansiering uten sikkerhet — unsecured refinancing without property collateral; (5) Forbrukslån — unsecured consumer loans with full disposal freedom; and (6) Mellomfinansiering — short-term bridging finance for property purchases. These are complemented by a Refinansieringskalkulator tool for loan estimation. The platform operates as a loan broker, collecting offers from multiple partnered banks (Kraft Bank, Svea, Bank2, Instabank, BlueStep) and presenting the best options to the borrower free of charge. The product portfolio is designed as a progression of increasing collateral requirements, from unsecured consumer loans at one end to secured mortgage refinancing at the other, enabling the company to serve borrowers across a wide spectrum of financial distress—from those seeking better rates to those facing forced property sale.

Differentiator

Problem solved

Functional benefit

Products and services

• Secured Refinancing (Refinansiering med sikkerhet) Refinancing of existing expensive unsecured debt, credit card balances, inkasso, and payment remarks into a single lower-interest loan secured by residential property (home, vacation property, or land). Loan amounts up to NOK 20,000,000 with repayment periods up to 30 years.
• Restart Loan (Omstartslån) Refinancing product that lets borrowers repay expensive high-interest unsecured debt by replacing it with a new lower-interest loan secured by residential property, effectively clearing inkasso and payment remarks to provide a fresh financial start. Loan amounts from NOK 100,000 to NOK 20,000,000 with repayment up to 20 years.
• Forced Sale Prevention (Tvangssalg) Service that helps stop a forced sale (tvangssalg) of a property by refinancing outstanding debt, including inkasso, payment remarks, and wage garnishment, into a new mortgage loan before the process reaches a court-approved bid stage.
• Unsecured Refinancing (Refinansiering uten sikkerhet) Consolidation of multiple unsecured debts (small loans, credit card balances, consumer loans) into a single loan without requiring property as collateral. Available from NOK 10,000 to NOK 500,000 with a repayment term of up to 15 years.
• Consumer Loan (Forbrukslån) Unsecured personal loan offering full disposal freedom where borrowers can use funds for any purpose. Available from NOK 10,000 to NOK 500,000 with a repayment term of up to 5 years, subject to credit assessment (applicant must be over 23, registered in Norway for at least one year, with annual income over NOK 150,000 and no active payment remarks).
• Bridging Finance (Mellomfinansiering) Short-term bridging loan for buyers needing to purchase a new property before selling their existing one, including those carrying existing consumer debt, inkasso, or variable income. Provides a financing certificate valid for approximately 6 months.

Quantifiable outcome

• 87% of applications approved
• +3 more outcomes

Named customers5 records

Segments4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Zmarta (Norge): Zmarta is a Nordic loan-comparison platform with a Norwegian operation that brokers consumer loans, refinancing, and mortgage offers from multiple banks. It competes with Finanseiendom on the same aggregator-plus-personal-advisor model serving Norwegian consumers.
• Sambla (Sambla.no): Sambla is one of Norway's largest loan-comparison and refinancing brokerage platforms, aggregating offers from multiple banks for Norwegian consumers. It competes head-to-head with Finanseiendom on the same multi-bank aggregation model, free consumer service, and commission-funded revenue model.
• Axo Finans: Axo Finans is described as Norway's largest finansagent (financial agent), already referenced on Finanseiendom's site as a referral partner. It operates in the same Norwegian consumer-loan and refinancing intermediary space with overlapping unsecured-loan products.
• Lendo Norge: Lendo is a Nordic loan broker operating a Norwegian site that compares consumer loans, refinancing, and mortgage offers from a panel of banks. It directly mirrors Finanseiendom's value proposition of bank-agnostic, free-to-consumer loan aggregation with personal advisor support.

Broad incumbents

• Komplett Bank: Komplett Bank is a Norwegian digital consumer-loan and refinancing lender offering forbrukslån and secured refinancing products directly. It is both a potential partner-bank and a direct competitor that can disintermediate brokers by reaching consumers through its own digital channel.
• Instabank: Instabank is a Norwegian digital bank already partnered with Finanseiendom for refinancing products, but it also operates direct-to-consumer loan origination. Comparable as both a partner-bank supplier and an incumbent lender competing for the same refinancing demand.
• Bank Norwegian: Bank Norwegian is a Norwegian consumer bank offering credit cards, personal loans, and refinancing. It competes in the same Norwegian consumer-credit market Finanseiendom brokers into, with broader brand awareness and its own direct acquisition funnel.
• Resurs Bank: Resurs Bank is a Nordic consumer-finance bank with Norwegian operations offering consumer loans and retail financing. It overlaps with Finanseiendom's forbrukslån and unsecured refinancing product set and could serve as a partner or a competing lender.
• Kraft Bank: Kraft Bank is a Norwegian challenger bank listed as a core partner for Finanseiendom's refinancing flow. It offers secured mortgage refinancing and is comparable as a wholesale credit supplier whose commission terms directly determine Finanseiendom's economics.
• Ikano Bank: Ikano Bank is a Nordic consumer-finance bank active in Norway offering personal loans and credit products. It is comparable as a potential partner-bank for Finanseiendom's broker flow and as an incumbent competing for the same refinancing-driven consumer demand.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/finanseiendomnorge
• LinkedInlinkedin.com/company/finanseiendom
• Instagraminstagram.com/finanseiendom
• Xx.com/finanseiendom

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Finanseiendom