Gjeldsmegler1

What Gjeldsmegler1 does

Gjeldsmegler1 AS is a Norwegian loan brokerage and financial intermediary (finansagent) founded in 2011 by Erlend Hårstad and Per Mork, headquartered in Oslo. The company connects individual consumers with a network of 16-19 Norwegian banks and specialty lenders, specializing in debt refinancing, mortgage consolidation, and financial-rescue services for customers facing payment remarks, debt collection, or forced property sale proceedings. Core products include secured refinancing with real estate collateral (boliglån, 300,000-20,000,000 NOK), unsecured consumer loans (forbrukslån up to 600,000 NOK), senior loans, bridging financing (mellomfinansiering), and specialized services such as forced-sale prevention (stoppe tvangssalg) and collection assistance (inkassohjelp). The firm claims that more than nine in ten customers who contact them avoid forced property sale.

The business operates on a commission-only model where services are free to customers and Gjeldsmegler1 receives payment from partner banks on successfully originated loans, a structure mandated by Finansavtaleloven § 88, which prohibits the agent from accepting compensation from any party other than the banks. Distribution is direct-to-consumer via the gjeldsmegler1.no website, where customers complete a multi-step online application form and are contacted by staff. Marketing is driven by an SEO-oriented blog, Facebook, Google search ads, monthly email newsletter, word-of-mouth referrals, and a Purehelp directory listing. Supporting free tools — household and loan calculators, settlement lists, personal budgets, and printable application forms — extend the top-of-funnel footprint.

Operationally, the firm is extremely lean: approximately six employees as of 2017, comprising civil economists who handle application processing, partner bank coordination, and customer service. There is no proprietary technology platform, no disclosed AI/ML capabilities, and no app presence; the offering is a human-mediated brokerage supported by static web content. The company has undergone a restructuring (date unspecified), operates exclusively in the Norwegian market, and has no disclosed funding rounds, acquisitions, or external ownership. The conflicting 1993 founding date in firmographics versus 2011 in company history is noted; the more specific company-history source supports 2011.

Name

Gjeldsmegler1

Legal name

Gjeldsmegler1 AS

Website

https://gjeldsmegler1.no

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Gjeldsmegler1 AS is a Norwegian loan broker that connects individual consumers — including those with payment remarks or at risk of forced property sale — with a network of 16-19 partner banks for debt refinancing, mortgage, and consumer loan origination, earning commission from the banks.

Ownership category

akta.pro rank

Product category

Loan Brokerage and Debt Refinancing Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Non-Qualified Mortgage (Non-QM) & Specialty Product Brokers (FSALABAG)

akta.pro secondary industry

Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD)

Keywords

• Loan brokerage services
• Debt refinancing
• Consumer credit
• Financial intermediation
• Mortgage lending

Headquarters

HQ city

Oslo

HQ country

Norway

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from partner banks: As a financial agent (finansagent), Gjeldsmegler1 prepares and submits loan applications to banks on behalf of customers. The company receives commission from banks based on loans originated through their platform. The company is prohibited from receiving compensation from parties other than banks per Finansavtaleloven § 88.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Gjeldsmegler1 is a Norwegian financial agent (loan broker) that prepares and submits loan applications on behalf of customers to its network of 16–19 partner banks. The core offering is debt refinancing, secured mortgage loans (300,000–20,000,000 NOK), and unsecured consumer loans (up to 600,000 NOK), with specialist services for customers with payment remarks, collection issues, and forced property sale risk.

Product overview

Gjeldsmegler1 is a Norwegian financial intermediary/loan broker that operates as a platform connecting customers with a network of 16-20 Norwegian banks. The core offering consists of debt refinancing services (refinansiering av gjeld), secured mortgage loans (boliglån) ranging from 300,000 to 20,000,000 NOK, and unsecured consumer loans (forbrukslån) up to 600,000 NOK. The company specializes in helping customers with financial difficulties, including those with payment remarks (betalingsanmerkning), through its network of specialty banks. Supporting services include assistance to prevent forced property sales (stoppe tvangssalg), collection assistance (inkassohjelp), and a complete online loan application process. The company also provides free downloadable financial management tools including household budgets, loan calculators, and settlement lists. Services are offered free to customers as the company earns commissions from partner banks.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Refinancing (Refinansiering av gjeld) Service that consolidates multiple loans into a single loan with better terms by acting as a financial intermediary between customers and Norwegian banks to secure refinancing.
• Secured Mortgage Loans (Boliglån) Mortgage loans secured by real estate, offered in both 1st and 2nd priority positions, ranging from 300,000 to 20,000,000 NOK.
• Unsecured Consumer Loans (Forbrukslån) Unsecured consumer loans up to 600,000 NOK without collateral, requiring creditworthiness and stable income.
• Secured Debt Refinancing (Refinansiering av gjeld med sikkerhet) Secured debt refinancing service using real estate as collateral to obtain lower interest rates and better terms.
• Loans with Payment Remarks (Lån med betalingsanmerkning) Specialized loan products and brokerage for customers with payment remarks or defaults, utilizing the company's network of 16–20 Norwegian banks including specialty banks.
• Stopping Forced Property Sales (Stoppe tvangssalg) Service to prevent or stop forced sales of properties by helping customers refinance or negotiate with creditors before the sale occurs.
• Senior Loans (Seniorlån) Loans specifically designed for senior citizens, with example rates of 7.05% nominal and 7.32% effective.
• Bridging Financing (Mellomfinansiering) Interim financing solutions, with example of 1,000,000 NOK at 7.79% effective rate over 6 months.
• Collection Assistance (Inkassohjelp) Assistance with debt collection and inkasso matters, including help with refinancing to resolve collection issues.
• Loan Application Service (Lånesøknad) Online loan application processing where customers submit applications through the company's website and receive callbacks from staff.

Quantifiable outcome

• More than nine out of ten customers who contact Gjeldsmegler1 avoid forced property sale

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• Partner banks network (16-19 banks)coreChannel Partner/ Reseller/ DistributorGjeldsmegler1 works with 16-19 Norwegian banks including both regular commercial banks and specialty banks that serve customers with payment remarks and financial challenges. Through a single application, customers receive offers from the entire network of partner banks. Banks pay commission to Gjeldsmegler1 for successfully originated loans.
• Gjeldskontroll ASminorOthersApproved collaboration partner referenced for situations where Gjeldsmegler1 cannot meet all customer needs. Gjeldskontroll AS provides additional debt management assistance as a supplementary service option.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Financer.com: Loan-comparison platform operating across multiple countries including Norway, matching borrowers to a panel of lenders for consumer and personal loans; directly comparable to Gjeldsmegler1's online application-and-distribution model.
• Sambla: Nordic loan broker operating in Norway that aggregates consumer loan and refinancing offers from multiple banks; structurally equivalent to Gjeldsmegler1 in intermediating consumer credit applications, with greater scale and a broader product catalog (mortgage, consumer, refinansiering).
• Lendo: Swedish-founded loan broker that operates directly in the Norwegian market aggregating competing loan offers; competes head-to-head with Gjeldsmegler1 in consumer refinancing and consumer loan intermediation.

Broad incumbents

• Komplett Bank: Norwegian consumer lending bank offering unsecured loans, balance refinancing, and credit cards; an incumbent partner-bank candidate and adjacent competitor on the refinancing proposition.
• Resurs Bank: Nordic consumer finance provider with Norwegian operations specializing in retail and consumer credit; comparable to a Gjeldsmegler1 partner bank and a potential direct rival on consumer loan distribution.
• Bank Norwegian: Large Norwegian digital consumer bank offering unsecured consumer loans and credit cards; competes for the same refinancing and consumer-loan demand and could disintermediate broker channels by going direct.
• Instabank: Norwegian digital bank offering consumer loans; a likely partner-bank within Gjeldsmegler1's 16-19 bank panel and a competitor on the unsecured and refinancing side.
• DNB: Largest Norwegian bank providing mortgages and consumer loans; a likely anchor partner bank in Gjeldsmegler1's panel and a competitor that could in principle disintermediate brokers via its direct digital channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/gjeld
• LinkedInlinkedin.com/company/gjeldsmegler1

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 Gjeldsmegler1