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 group
All businesses
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 are also available to large companies. We provide low-risk loans to companies with sound finances and adequate security, mainly in the form of collateral, financial guarantees and sureties.

Low-risk loans are a valuable supplement to loans from private financial institutions. By working together, your local bank and Innovation Norway can extend more credit to your business than either could provide alone. This also allows lenders to share the risk. Many long-term investments are therefore financed jointly by a local bank and Innovation Norway.

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

We are a flexible partner when it comes to interest rates and repayment terms. Loans are available 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 changes.

Nominal interest rate from 6.15% (for new loans from 29 September 2026 and existing loans from 7 December 2026).

Key requirements for funding

To receive services from us, your business must uphold the principles of responsible business conduct and understand its own sustainability risks. Read more about sustainability and responsible business conduct.

State aid rules

Our funding must comply with State aid rules. Five general conditions for State aid must be met.

The General Block Exemption Regulation (GBER) forms part of the State aid rules. It contains a set of articles that provide the legal basis for us to support businesses in different circumstances. One or more articles may apply in each case. Read more about GBER.

Legal basis for the scheme

Our funding schemes have been notified to the EFTA Surveillance Authority (ESA). 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 plan to apply for other public funding for the project. We also base the amount of funding we award 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 receive no public funding, including SkatteFUNN, other than that stated in your application. This applies to funding for the project costs on which we have based our grant calculation (eligible costs). If you receive other public funding, including SkatteFUNN, for the same costs after we have made our offer, we may reduce our grant accordingly or withdraw it.

This does not prevent your business from receiving other public support for project costs other than those used to calculate our grant.

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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 terms for existing loans
If you need to change the loan terms or collateral, you must submit an application.