{"id":10288,"date":"2025-08-26T12:34:24","date_gmt":"2025-08-26T10:34:24","guid":{"rendered":"https:\/\/aggrator.com\/?p=10288"},"modified":"2025-08-26T12:40:47","modified_gmt":"2025-08-26T10:40:47","slug":"hva-ser-banken-etter-hos-grundere-og-oppstartsbedrifter","status":"publish","type":"post","link":"https:\/\/aggrator.com\/en\/hva-ser-banken-etter-hos-grundere-og-oppstartsbedrifter\/","title":{"rendered":"Hva ser banken etter hos gr\u00fcndere og oppstartsbedrifter?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">N\u00e5r gr\u00fcndere skal hente finansiering, er banken en av akt\u00f8rene mange vurderer. Men hva legger egentlig banken vekt p\u00e5 n\u00e5r de vurderer et l\u00e5n til en ung virksomhet?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I dag deltok Hans Kristian Bekkevard, fagansvarlig for finans og analyse i <a href=\"https:\/\/www.esbank.no\/\">Marker og Eidsberg Sparebank<\/a>, i et <a href=\"https:\/\/www.youtube.com\/watch?v=l3DoAaldAG0\">webinar<\/a> arrangert av Aggrator. Her delte han sine erfaringer og ga konkrete r\u00e5d om hvordan gr\u00fcndere kan stille sterkere i m\u00f8te med banken.<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-rad-fra-en-bankmann-til-en-grunder\">5 r\u00e5d fra en bankmann til en gr\u00fcnder<\/h2>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-ha-kontroll-pa-okonomien-spesielt-likviditet\">1. Ha kontroll p\u00e5 \u00f8konomien \u2013 spesielt likviditet<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Banken vurderer f\u00f8rst og fremst om et l\u00e5n kan betjenes. Gr\u00fcndere m\u00e5 ha st\u00e5lkontroll p\u00e5 inntekter, kostnader og likviditet. Mange oppstartsbedrifter feiler fordi de starter med for lite kapital og undervurderer hvor lang tid det tar \u00e5 bygge opp inntekter.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R\u00e5d:<\/strong> Regn n\u00f8ye p\u00e5 kapitalbehovet m\u00e5ned for m\u00e5ned og legg inn rom for forsinkelser. Det tar ofte lenger tid enn du tror.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-realistiske-planer-og-scenarier\">2. Realistiske planer og scenarier<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Altfor optimistiske vekstplaner og budsjetter er en gjenganger. Banken setter pris p\u00e5 gr\u00fcndere som viser at de har vurdert alternative scenarier, hva skjer om renten \u00f8ker, eller om salget uteblir en periode?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R\u00e5d:<\/strong> Lag plan A, B og C. Scenarioarbeid viser banken at du er forberedt p\u00e5 motgang.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-konservativ-finansiering\">3. Konservativ finansiering<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Selv gode forretningsmodeller kan \u201cfinansieres inn i konkurs\u201d hvis gjelden blir for tung \u00e5 b\u00e6re. For aggressiv avdragsprofil kan tappe selskapet for kapital.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R\u00e5d:<\/strong> Match nedbetalingstiden p\u00e5 l\u00e5net med levetiden til investeringene. Banken er ikke ute etter oppsiden \u2013 de vil ha pengene trygt tilbake, med renter.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-riktig-tidspunkt-a-ga-til-banken\">4. Riktig tidspunkt \u00e5 g\u00e5 til banken<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Banken er sjelden f\u00f8rstevalget i oppstart. F\u00f8rst b\u00f8r gr\u00fcndere ha et \u00abproof of concept\u00bb \u2013 kunder som betaler og en modell som viser at man kan tjene penger.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R\u00e5d:<\/strong> Bruk egenkapital, tilskudd eller investorer i tidlig fase. N\u00e5r modellen fungerer, er banken klar til \u00e5 v\u00e6re partner.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-team-og-gjennomforingsevne\">5. Team og gjennomf\u00f8ringsevne<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Til syvende og sist er det menneskene banken har tillit til. Et sterkt og sammensatt team teller mer enn \u00e9n gr\u00fcnder alene.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R\u00e5d:<\/strong> Bygg et team som b\u00e5de kan faget og \u00f8konomistyring. Husk at banken i praksis l\u00e5ner ikke bare ut til selskapet, men til menneskene bak.<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-invester-i-egen-kompetanse\">Invester i egen kompetanse<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vil du l\u00e6re mer? Bli med p\u00e5 <a href=\"https:\/\/aggrator.com\/en\/esse-vekstprogram\/masterclass-7-budsjettering-og-okonomistyring\/\">full ESSE masterclass<\/a> med Hans Kristian Bekkevard hos Aggrator 11. september.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Bilde i artikkelen er fra bes\u00f8k hos Marker og Eidsberg Sparebank i august, og viser Hans Kristian Bekkevard til venstre og Bjarne Tvete til h\u00f8yre.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>N\u00e5r gr\u00fcndere skal hente finansiering, er banken en av akt\u00f8rene mange vurderer. Men hva legger egentlig banken vekt p\u00e5 n\u00e5r de vurderer et l\u00e5n til en ung virksomhet? I dag deltok Hans Kristian Bekkevard, fagansvarlig for finans og analyse i Marker og Eidsberg Sparebank, i et webinar arrangert av Aggrator. Her delte han sine erfaringer [&hellip;]<\/p>\n","protected":false},"author":177941435,"featured_media":10295,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","_uag_custom_page_level_css":"","_thinkrank_schema_form_data":"","_thinkrank_selected_schema_type":"","_thinkrank_additional_schemas":"","_thinkrank_canonical_url":"","_thinkrank_og_title":"","_thinkrank_og_description":"","_thinkrank_og_image":"","_thinkrank_twitter_title":"","_thinkrank_twitter_description":"","_thinkrank_twitter_image":"","_thinkrank_imported_from":"yoast","_thinkrank_focus_keywords":[],"_thinkrank_focus_keyword":"","_thinkrank_robots_meta_enabled":0,"_thinkrank_robots_meta":"","_thinkrank_advanced_robots_meta":"","_thinkrank_primary_category":1466,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[1,1466],"tags":[],"class_list":["post-10288","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","category-esse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Hva ser banken etter hos gr\u00fcndere og oppstartsbedrifter? - Aggrator<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aggrator.com\/en\/hva-ser-banken-etter-hos-grundere-og-oppstartsbedrifter\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hva ser banken etter hos gr\u00fcndere og oppstartsbedrifter?\" \/>\n<meta property=\"og:description\" content=\"N\u00e5r gr\u00fcndere skal hente finansiering, er banken en av akt\u00f8rene mange vurderer. Men hva legger egentlig banken vekt p\u00e5 n\u00e5r de vurderer et l\u00e5n til en ung virksomhet? I dag deltok Hans Kristian Bekkevard, fagansvarlig for finans og analyse i Marker og Eidsberg Sparebank, i et webinar arrangert av Aggrator. 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