Lendl Finans

What Lendl Finans does

Lendl Finans AS is a Norwegian private limited company, founded in 2019 and headquartered in Oslo, that operates a digital loan-brokerage and advisory service for individual consumers. The company connects applicants with multiple Norwegian partner banks (samarbeidsbanker) and provides dedicated customer advisors who manually assess applications, package them for the most suitable lender(s), and present resulting offers. Its value proposition is targeted at consumers that traditional banks typically reject — those with variable income, self-employment, payment remarks (betalingsanmerkning), ongoing inkasso cases, or imminent forced property-sale (tvangssalg) proceedings — with the company emphasizing evaluation of future repayment ability over historical credit metrics.

The company's product surface includes four core offerings: Boliglån (home mortgages, including for variable-income borrowers), Refinansiering (debt consolidation of expensive consumer loans into a mortgage), Lån med Inkasso (loans for borrowers with collection cases or payment remarks), and Tvangssalg bolig (intervention to stop forced sales). Operationally there is no proprietary technology platform described; the workflow is digital intake plus phone-based advisor-led processing, with no mobile app, no public API, and no disclosed AI/ML components. GTM relies on an SEO-driven blog covering niche Norwegian financial queries, a Trustpilot credibility layer, and organic social channels (Facebook, Instagram, LinkedIn).

The business model is affiliate-referral: customers pay nothing for the advisory service, and Lendl Finans is compensated by partner banks upon successful loan placement. The headcount band is 1-10, no funding rounds or external investors are disclosed, and the company is privately held with no parent company. Recognition includes a 2024 Scandinavian Business Awards mention (EU Business News). Disclosed quantification is limited to loan-pricing examples (e.g., effective rate 8.55% on a NOK 2M loan over 25 years).

Name

Lendl Finans

Legal name

Lendl Finans AS

Website

https://lendlfinans.no

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Lendl Finans is a Norway-based digital loan broker and advisory service that connects individual borrowers with partner banks, specializing in consumers rejected by traditional banks — including those with variable income, payment remarks, or active debt collection cases.

Ownership category

akta.pro rank

Product category

Consumer Lending Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt Advisory & Financing Advisory (FSAEAGAD)

akta.pro secondary industries

Personal Loan Refinance (Rate/Term) (FSAKAIAB), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD), Secured-to-Unsecured Refinance Personal Loans (Unsecured Installment) (FSAKAAAI)

Keywords

• Loan brokerage
• Mortgage refinancing
• Consumer lending
• Debt advisory
• Credit assistance

Headquarters

HQ city

Oslo

HQ country

Norway

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations

Revenue model

1. Commission from partner banks: Lendl Finans earns revenue by acting as a loan broker/intermediary. The company charges no fees to customers — services are described as 'helt kostnadsfritt' (completely cost-free) for customers. Revenue is generated from commissions paid by partner banks (samarbeidsbanker) when loans are successfully placed. The company evaluates customer applications and forwards them to partner banks, who then compensate Lendl Finans.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Lendl Finans is a Norwegian loan broker that matches individual borrowers with partner banks for mortgage loans, refinancing, and loans for customers with payment remarks (inkasso), as well as helping borrowers stop forced property sales. The service is free for consumers; the company earns commissions from partner banks on successfully funded loans.

Product overview

Lendl Finans operates as a digital financial services intermediary that connects private individuals with partner banks to offer mortgage loans, refinancing solutions, and assistance for customers facing financial difficulties including collection cases and forced sale proceedings. The company serves as an intermediary, submitting customer applications to multiple partner banks and providing personalized advisory services through dedicated customer advisors throughout the application process.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Loan Brokerage (Boliglån)

Quantifiable outcome

• Interest savings — effective rate example of 7.68% (vs. higher consumer loan rates) on a 2M NOK loan over 25 years, total cost kr 4,379,341
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Bank partners (specific names not individually labeled in text)coreChannel Partner/ Reseller/ DistributorLendl Finans partners with multiple Norwegian banks (described as 'samarbeidsbanker') to offer customers a range of loan products including mortgages, refinancing, and loans for customers with complex financial situations. Partner banks evaluate and approve loans, while Lendl Finans handles the application process and customer guidance. The logos of partner banks are displayed on the website footer. The company sends customer applications to partner banks and presents the resulting offers to customers for their selection.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Bank Norwegian (Instabank): Bank Norwegian is a Norwegian digital consumer bank offering unsecured loans, credit cards and mortgages directly. As a funding-side lender rather than a pure broker, it represents a potential partner bank for Lendl Finans and an incumbent alternative that competes for the same borrower.
• DNB: DNB is Norway's largest financial services group, offering mortgages, refinancing and consumer credit. It is both a likely partner bank and a broad incumbent competitor whose loan rejections create the customer pool that Lendl Finans serves.
• Resurs Bank: Resurs Bank is a Nordic consumer finance provider offering personal loans, credit cards and retail finance. It competes in adjacent consumer-lending products that Lendl Finans helps its customers refinance away from.
• Instabank: Instabank is a Norwegian digital consumer bank (post-merger with Bank Norwegian) offering personal loans and credit cards online. It is a potential partner bank for Lendl Finans and competes directly for Norwegian consumer borrowers.

Regional players

• Yngve Bank / Boligbank.no: Boligbank-style Norwegian mortgage-broker sites operate as regional broker/aggregator platforms routing Norwegian mortgage applications to multiple partner banks, overlapping with Lendl Finans's mortgage and refinancing flows.

Direct peers

• Sambla: Sambla is a leading Nordic loan-broker / comparison service operating in Norway, Sweden, Denmark and Finland. It directly competes with Lendl Finans by aggregating offers from multiple banks for consumer borrowers, including refinancing and consolidation use cases.
• Compricer (Swedbank-related comparison service): Compricer operates a Norwegian personal-finance comparison and brokerage service (originally Swedish) that channels consumer loan and refinancing applications to multiple banks — overlapping the same broker value proposition as Lendl Finans.
• Zmarta: Zmarta is a Nordic comparison and loan-broker platform with Norwegian operations, helping consumers compare and apply for personal loans, refinancings and consolidation offers across partner banks — a direct Norwegian competitor.
• Lendo: Lendo is a Nordic (and Norwegian-market) loan-broker platform matching consumer borrowers with bank offers for unsecured, refinancing and consolidation loans — a direct competitor to Lendl Finans's broker/advisor model.

Others

• Finansportalen / Norwegian FSA consumer portal: Finansportalen is the Norwegian government's consumer-finance comparison portal. It is not a competitor for origination but it competes with Lendl Finans for Norwegian consumer attention on the same refinancing and loan-comparison queries.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xfacebook.com/lendlfinans.no
• Facebookfacebook.com/lendlfinans.no
• LinkedInlinkedin.com/company/lendl-finans-as
• Instagraminstagram.com/lendlfinans.no

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 Lendl Finans