Tjenestetorget Finans

What Tjenestetorget Finans does

Tjenestetorget Finans AS is a Norwegian loan brokerage (finansagent) that intermediates loan applications between individual and small-business borrowers and a panel of nine partner banks and finance companies. Its product surface spans mortgage lending (including first-time buyer, fixed-rate, cabin, construction, senior and credit-line variants), consumer and refinancing loans, vehicle loans (car, boat, motorcycle, ATV, snowmobile, caravan, RV), specialized restart loans for customers with payment remarks or debt-collection issues, and small-business lending (cash credit and flexible business loans). Customers submit a single application through the company's website and are then guided by phone- and email-based advisors through comparison and documentation, with the service offered at no charge to the borrower. The company monetizes through commissions paid by partner banks based on the volume and terms of mediated loans.

The underlying platform is built around an automated credit-assessment pipeline that pulls consumer credit and property data from Experian AS, Every Norge AS, Eiendomsverdi AS and the Norwegian debt registry (Gjeldsregisteret AS), with Evry Norge AS providing bank-side data verification. The system performs preliminary creditworthiness evaluation before routing applications to human advisors, who handle review, documentation and lender negotiation. Supporting tools include a comprehensive suite of loan calculators (mortgage, consumer, vehicle, restart, equity, annuity, serial, credit-line, property-ratio and fee calculators) and a 2024-launched post-disbursement savings tool, Fixa.no. Customer acquisition is driven by content marketing (financial-advice blog and email newsletter), paid remarketing on Google, Bing and Facebook, Google Customer Match targeting, and cross-promotion via sister brands Tjenestetorget.no and Anbudstorget.no within the 1881 Group conglomerate. The company is privately held, headquartered in Asker/Lysaker, Norway, operates 11-50 employees, and reports no public funding history.

Name

Tjenestetorget Finans

Legal name

Tjenestetorget Finans AS

Website

https://tfinans.no

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Tjenestetorget Finans is a Norwegian loan broker that intermediates mortgages, consumer, vehicle, restart and small-business loan applications between individual borrowers and a panel of nine partner banks, earning commissions on funded loans.

Ownership category

akta.pro rank

Product category

Loan Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro primary industry

Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)

akta.pro secondary industries

Financial Hardship & Forbearance Assistance (FSAEAFAJ), Foreclosure, Bankruptcy & REO Servicing (FSALAEAH)

Keywords

• Loan brokerage services
• Mortgage refinancing
• Consumer loan comparison
• Vehicle loan financing
• Debt consolidation solutions

Headquarters

HQ city

Asker

HQ country

Norway

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from Financial Institutions: Tjenestetorget Finans receives commission payments from the financial institutions (banks) they collaborate with. Commission is calculated based on the number of loan customers they mediate to financial institutions and the loan terms. They exchange customer data with partner banks for proper commission calculation and payout.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Tjenestetorget Finans is a Norwegian loan brokerage (finansagent) that helps customers compare and obtain loan services from multiple partner banks. The company mediates loan applications across categories including mortgages, vehicle loans, consumer loans, business loans, and specialized restart loans for customers with payment remarks. Customers submit a single application through the platform, and the company negotiates with partner banks on their behalf to secure optimal loan terms. The service is provided free of charge to customers, with the company compensated through commissions paid by partner banks.

Product overview

Tjenestetorget Finans is a loan brokerage platform that operates as a financial agent, helping customers find and compare loan products from multiple partner banks. The service offers a unified platform for mortgage applications, vehicle loans, consumer loans, business loans, and specialized restart loans for customers with payment difficulties. The core offering consists of loan brokerage services across six main product categories (refinancing, mortgages, vehicle loans, restart loans, consumer loans, and business loans), supplemented by a suite of financial calculators and the Fixa.no savings tool. Customers submit a single application through the platform, and Tjenestetorget Finans negotiates with partner banks on their behalf to secure optimal loan terms. The service is free for customers and is compensated through commissions from the partner banks.

Differentiator

Problem solved

Functional benefit

Products and services

• Refinansiering (Refinancing) Loan refinancing brokerage service that helps customers consolidate existing loans and secure better interest rates and terms from partner banks. Includes refinancing with security (med sikkerhet) and without security (uten sikkerhet).
• Boliglån (Mortgage) Mortgage loan brokerage service including new mortgages, refinancing existing mortgages, and financing certificates for home purchases. Sub-products include BLU (Boliglån for unge/first-time buyers), fastrentelån (fixed-rate loans), hyttelån (cabin loans), huslån (house loans), rammelån (credit lines/flexi loans), byggelån (construction loans), and seniorlån (senior loans).
• Lån til kjøretøy (Vehicle Loans) Vehicle financing brokerage service covering ATV loans, car loans (billån), RV loans (bobillån), boat loans (båtlån), caravan loans, motorcycle loans (MC-lån), and snowmobile loans (snøscooterlån).
• Omstartslån (Restart Loans) Specialized loan brokerage service for customers with payment remarks, debt collection issues, or those needing to restart their financial situation. Includes refinancing with security in property, refinancing with payment remarks, refinancing of debt collection, loans with payment remarks, forced sale assistance, and salary attachment solutions.
• Forbrukslån (Consumer Loans) Unsecured personal loan brokerage service for debt consolidation, renovations, or other consumer needs. Includes consumer loan applications, refinancing of consumer loans and credit cards, blancolån (blank loans), and renovation loans (lån til oppussing).
• Bedriftslån (Business Loans) Business financing brokerage service including cash credit (kassekreditt) and flexible business loans with flexible repayment terms for corporate and small business customers.
• Lånekalkulatorer (Loan Calculators) Suite of financial calculators including general loan calculator, mortgage calculator, car loan calculator, consumer loan calculator, restart loan calculator, equity calculator, loan ability calculator, annuity loan calculator, serial loan calculator, credit line calculator, property ratio calculator, document fee calculator, and ownership share calculator.
• Fixa.no A savings tool launched by Tjenestetorget Finans that helps customers save money after their loan is paid out, providing tips and guidance for ongoing financial savings.

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Five partnerships are on record, tiered core.

• Experian AScoreTechnology or IntegrationCredit information service provider integrated with Tjenestetorget Finans systems to retrieve credit reports and payment remark information for loan assessment.
• Every Norge AScoreTechnology or IntegrationCredit bureau providing credit information and payment remark data integrated into Tjenestetorget Finans loan assessment process.
• Eiendomsverdi AScoreTechnology or IntegrationProperty information service providing property value data used in loan assessments and refinancing evaluations.
• Gjeldsregisteret AScoreTechnology or IntegrationDebt registry providing verification of unsecured debt information used in loan assessment processes.
• Evry Norge AScoreTechnology or IntegrationData verification and lookup services providing information banks need to evaluate loan applications.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Resurs Bank: Resurs Bank is a Nordic consumer and retail finance bank offering consumer loans, credit cards, and retail financing. It is both a potential partner bank for Tjenestetorget Finans and a competing direct lender in the Norwegian consumer credit market.
• Sbanken (now part of DNB): Sbanken is a Norwegian digital bank (acquired by DNB) offering mortgages, consumer loans, and savings. It represents the type of direct digital banking offering that competes with the broker channel for Norwegian consumer lending demand.
• Bank Norwegian: Bank Norwegian is a direct-to-consumer Norwegian digital bank offering consumer loans, credit cards, and savings. While not a broker, it competes for the same Norwegian loan customers and represents the disintermediation risk that brokers like Tjenestetorget Finans face.
• Instabank: Instabank is a Norwegian digital challenger bank offering consumer loans and deposits directly to Norwegian customers. As a direct-lending incumbent, it represents a structural alternative to broker-mediated loan origination.
• Komplett Bank: Komplett Bank is a Norwegian digital consumer bank providing consumer loans, refinancing, and savings products. As a direct lender, it is an indirect competitor that bypasses the broker channel, competing for the same end customers.

Direct peers

• Sambla: Sambla is a Norwegian and Swedish loan-brokerage platform that compares and mediates mortgage, consumer, and refinancing offers across multiple banks. It is the closest direct competitor to Tjenestetorget Finans in the Norwegian consumer loan-aggregator category, sharing the same commission-from-bank model and free-to-customer positioning.
• Lendo Norge: Lendo Norway is part of the Nordic Lendo/Schibsted Personal Finance loan-comparison network, comparing consumer loans, mortgages, and refinancing offers from Norwegian banks. It competes head-to-head with Tjenestetorget Finans for the same broker-driven consumer leads in Norway.
• Zmarta Norge: Zmarta is a Nordic loan-brokerage comparison platform operating in Norway, brokering consumer loans, mortgages, and refinancing via partner banks. It directly overlaps with Tjenestetorget Finans's value proposition of multi-bank comparison and free customer service.
• Finanza.no: Finanza.no is a Norwegian loan and refinancing broker that mediates mortgages, consumer loans, and vehicle financing between customers and partner banks. It is a direct Norwegian competitor with a very similar multi-product, multi-bank brokerage proposition.

Others

• Bluestep Bank: Bluestep Bank is a Nordic specialist mortgage provider serving customers who do not fit traditional bank criteria — including those with non-standard credit histories. It is both an explicit partner bank of Tjenestetorget Finans and a relevant comparable for the restart/niche-borrower segment the platform serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/TjenestetorgetF
• Facebookfacebook.com/tjenestetorgetfinans
• LinkedInlinkedin.com/company/tfinans

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Tjenestetorget Finans