Low-risk loans

Does your business need financing beyond private loans? Low-risk loans are available to businesses that need to finance long-term capital requirements. We offer loans on competitive terms with long repayment periods, tailored to your business needs.
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Type of service
Loans
Target audience
All companies
Application deadline
Ongoing
How much
Up to 50% of your capital needs

Low-risk loans are primarily available to small and medium-sized enterprises across all industries and sectors throughout Norway, but large companies can also apply. We offer low-risk loans to companies with sound finances and adequate security, mainly in the form of collateral, financial guarantees and personal guarantees.

Low-risk loans are a valuable complement to loans from private financial institutions. By working with us, your local bank can provide your business with more credit, as together we can offer greater flexibility. This also allows lenders to share the risk. Many long-term investments are therefore financed jointly by us and a local bank.

Low-risk loans meet your business's need for long-term financing of fixed assets, as well as strengthening your capital base, internationalisation and development activities.

We are a flexible partner when it comes to interest rates and repayment terms. We offer loans with fixed or variable interest rates and terms tailored to your company's needs. For example, we can offer various fixed-rate options and revolving loans. We may also adjust the loan terms if the risk or status of the financing arrangement changes.

Nominal interest rate from 5.90% (for new loans from 12 May 2026 and existing loans from 10 July 2026).

Key eligibility criteria for funding

To access our services, your company must uphold the principles of responsible business conduct and actively manage its sustainability risks. Read more about sustainability and responsible business conduct.

State aid rules

Our funding must comply with state aid rules. You must meet five general conditions for state aid.

The General Block Exemption Regulation (GBER) is part of the state aid rules. It contains provisions that allow us to provide support to businesses in a range of circumstances. We may apply one or more provisions to each case. Read more about GBER.

Legal basis for the scheme

We have notified the EFTA Surveillance Authority (ESA) of our funding schemes. The legal basis for these notifications is available on the National Legal Basis page.

Other public funding

You must state in your application whether you have applied or intend to apply for other public funding for the project. We also determine the level of our funding based on an overall assessment of how much public funding is needed for the project to go ahead.

When determining the grant amount, we therefore assume that you will not receive any other public funding, including SkatteFUNN, beyond what you have stated in the application. This applies to funding for the project costs we used to calculate our grant (eligible costs). If you nevertheless receive other public funding, including SkatteFUNN, after we have made our offer and it covers the same costs, we may reduce our grant accordingly or withdraw it entirely.

This does not prevent your company from receiving other public funding for project costs other than those on which we have based our assessment.

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Frequently asked questions and answers
General information about the application process, how we assess applications, project details and the types of ideas we do not support.
Changes to the terms of existing loans
If you need to change the loan terms or collateral, you must submit an application.