What EEPAT does

EEPAT operates the website eepat.net, a Norwegian-language personal finance content site serving Norwegian consumers seeking guidance on consumer loans (forbrukslån), debt management, and household budgeting. The platform publishes educational articles authored by an individual identified as "Pat," covering topics such as negotiating loan interest rates with banks, refinancing unsecured debt into consolidated loans, requesting installment-free periods, accessing tax deductions on loan interest (24% tax credit), and using free Excel budget templates. The content addresses both consumers proactively managing their finances and those in acute payment difficulty, including guidance on handling collection agency correspondence and "konvoluttskrekk" (mail anxiety).

The technology stack is a standard WordPress installation using the Sparkling theme by Colorlib, with two embedded third-party calculators from MLCalc.com — a mortgage calculator and a loan calculator — that enable visitors to compute amortization, repayment scenarios, and property-related costs. Content is organized into two principal categories: "Budsjett" (Budget) and "Forbrukslån uten sikkerhet" (Unsecured Consumer Loans). The site integrates outbound links to external Norwegian lending comparison portals including billigeforbrukslån.no and lånutensikkerhetguide.no.

The business model is affiliate/referral marketing. Eepat.net is a free, self-serve informational resource with no user registration, paid tier, or direct monetization on-site. Revenue is generated through referral commissions when visitors are directed from Eepat's content to Norwegian lending partners and comparison aggregators. The site operates exclusively within Norway with no indication of geographic or product expansion, and no corporate ownership structure, investors, or parent entities are disclosed. Original articles were published in January 2017 with a content refresh observed in January 2021; no subsequent content investment is documented.

Name

EEPAT

Website

https://eepat.net

Company type

Private

Founded year

1999

Operating status

Operating

Short description

EEPAT (eepat.net) is a Norwegian-language personal finance content site that publishes articles on consumer loans, debt management, and budgeting for Norwegian consumers, generating revenue via affiliate referrals to lending partners.

Ownership category

akta.pro rank

Product category

Personal Finance Content / Financial Education Blog

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Income, Employment & Asset Verification (VOI/VOE/VOA) (FSALALAF)

Keywords

• Personal finance content
• Consumer loan advice
• Debt management guidance
• Budgeting resources
• Norwegian finance blog

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Affiliate/Referral Marketing: The website appears to generate revenue through affiliate referrals to lending partners and financial service providers. The site promotes third-party loan services (such as billigeforbrukslån.no and lånutensikkerhetguide.no) and likely earns referral commissions when users are directed to these lending partners.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

EEPAT operates a free Norwegian-language personal finance blog (eepat.net) that publishes educational articles on debt management, budgeting strategies, unsecured consumer loans (forbrukslån), refinancing, and Norwegian tax-deduction rules. The site embeds MLCalc.com mortgage and loan calculators to help users model payments and amortization. Revenue is generated through affiliate referrals to Norwegian lending partners rather than direct fees or subscription.

Product overview

Eepat.net is an informational personal finance blog focused on Norwegian consumers, offering educational content about personal finance management, consumer loans (forbrukslån), and budgeting. The site operates as a content-driven platform with articles organized into categories: 'Budsjett' (Budget) and 'Forbrukslån uten sikkerhet' (Unsecured Consumer Loans). The primary offerings include personal finance tips content, loan payment problem advisory articles, and embedded mortgage/loan calculators from MLCalc.com. Built on WordPress with the Sparkling theme by Colorlib.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Finance Tips Content (Tre solide tips som gjør privatøkonomien din bedre / Three solid tips to improve your personal finances) Educational article providing Norwegian consumers with practical personal finance guidance, including strategies to evaluate debt, create and stick to a budget, and identify negative spending patterns. Targets Norwegian residents looking to improve their personal finances.
• Consumer Loan Information (Smarte tips om forbrukslån / Smart tips about consumer loans) Information resources about unsecured consumer loans (forbrukslån) in Norway, including tips on comparing loan offers, interest rates, repayment plans, and tax deductions on loan interest. For Norwegian residents evaluating consumer credit options.
• Loan Payment Problem Advisory (Forbrukslån og problemer med betaling av avdrag / Consumer loans and problems with paying installments) Guidance article addressing payment difficulties with consumer loans in Norway, including strategies for getting an overview of finances, contacting the bank, refinancing multiple debts into a single loan, and requesting installment-free months. For Norwegian consumers experiencing payment problems.
• Budget Planning Resources (Budsjett category) Budget planning content category on Eepat.net, providing Norwegian consumers with guidance on creating budgets and referencing free Excel spreadsheet templates (originating from HuffPost) to track monthly expenses and income.
• MLCalc.com Mortgage Calculator (embedded) Embedded online calculator from MLCalc.com allowing visitors to calculate mortgage payments, loan amounts, amortization schedules, and property-related costs such as property tax and insurance. For Norwegian consumers modeling home loan scenarios.
• MLCalc.com Loan Calculator (embedded) Embedded online calculator from MLCalc.com used on Eepat.net for calculating loan payments, loan terms, and amortization schedules. For Norwegian consumers modeling consumer loan scenarios.

Quantifiable outcome

• Tax savings of approximately 1,200 NOK on 5,000 NOK in annual loan interest and fees through 24% tax deduction

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Recent moves4 records

Direct peers

• Sammenlign.no: Norwegian comparison portal covering banking, insurance, and consumer loans. Comparable to EEPAT in serving Norwegian consumers shopping for financial products through content and comparison features.
• Lendo: Norwegian loan comparison service aggregating offers from multiple banks. Comparable to EEPAT in targeting Norwegian consumers shopping for consumer loans, but Lendo operates a more transactional comparison engine with lender partnerships.
• Finansportalen: Norwegian Consumer Council (Forbrukerrådet) operated comparison portal for banking and insurance products. Comparable to EEPAT as a Norwegian consumer-facing financial information resource, with significantly higher trust authority and content depth.
• Sambla: Norwegian and Swedish consumer loan comparison aggregator that matches borrowers with multiple lenders. Directly comparable to EEPAT as both serve Norwegian consumers seeking forbrukslån, but Sambla operates a more sophisticated multi-lender marketplace platform.
• Dinside (Økonomi): Norwegian consumer finance editorial section of Dinside (part of Aller Media). Comparable to EEPAT as it provides Norwegian personal finance content including debt management guidance — Dinside is explicitly referenced within EEPAT's own content.

Regional players

• Compricer (Sweden/Norway): Nordic financial comparison service operating across multiple Scandinavian markets. Comparable to EEPAT in financial comparison functionality, but operates with greater scale and broader Nordic geographic coverage.

Broad incumbents

• Resurs Bank: Nordic consumer and retail finance bank active in Norway. Comparable as a Norwegian consumer credit lender that EEPAT-style affiliate sites typically refer traffic to, but operates at significantly larger scale as a licensed bank.
• Nettavisen Økonomi: Norwegian news outlet's economy/personal finance section covering consumer credit topics. Comparable to EEPAT as a Norwegian-language personal finance content publisher, but operates as part of a much larger general news media business.
• Komplett Bank: Norwegian digital bank offering consumer loans and savings. Comparable to EEPAT as a Norwegian consumer credit market participant that could be a referral partner, but operates as a direct lender rather than a content intermediary.
• Bank Norwegian: Established Norwegian consumer finance brand offering credit cards, loans, and savings products. Comparable to EEPAT as a Norwegian consumer credit provider that could be a referral target, but operates as the lender side rather than as an intermediary.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat1 record

Key risks6 records

Key highlights4 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 EEPAT