{"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":"What does the bank look for in entrepreneurs and start-up companies?"},"content":{"rendered":"

When entrepreneurs are seeking financing, the bank is one of the players many consider. But what exactly does the bank weigh when considering a loan for a young business?<\/p>\n\n\n\n

Today Hans Kristian Bekkevard, Head of Finance and Analysis Marker and Eidsberg Sparebank<\/a>, in a Webinar<\/a> Organized by Aggrator. Here he shared his experiences and gave concrete advice on how entrepreneurs can stand stronger in the face of the bank.<\/p>\n\n\n\n

<\/div>\n\n\n\n

5 advice from a banker to an entrepreneur<\/h2>\n\n\n\n
<\/div>\n\n\n\n

1. Keep control of finances \u2013 especially liquidity<\/h3>\n\n\n\n

The bank first assesses whether a loan can be serviced. Founders must have a firm grasp of income, costs, and liquidity. Many start-up companies fail because they start with too little capital and underestimate how long it takes to build up revenue.<\/p>\n\n\n\n

Advice:<\/strong> Carefully calculate the capital needs month by month and allow for delays. It often takes longer than you think.<\/p>\n\n\n\n

<\/div>\n\n\n\n

2. Realistic plans and scenarios<\/h3>\n\n\n\n

Overly optimistic growth plans and budgets are a recurring theme. The bank appreciates entrepreneurs who show that they have considered alternative scenarios: what happens if interest rates rise, or if sales fall for a period?<\/p>\n\n\n\n

Advice:<\/strong> Create plans A, B and C. Scenario work shows the bank that you are prepared for adversity.<\/p>\n\n\n\n

<\/div>\n\n\n\n

3. Conservative financing<\/h3>\n\n\n\n

Even good business models can \u201cget into bankruptcy\u201d if the debt becomes too burdensome to bear. For an aggressive repayment profile, it can deplete the company of capital.<\/p>\n\n\n\n

Advice:<\/strong> Match the repayment period of the loan to the lifespan of the investments. The bank is not looking for a profit \u2013 they want the money safely returned, with interest.<\/p>\n\n\n\n

<\/div>\n\n\n\n

4. Right time to go to the bank<\/h3>\n\n\n\n

The bank is rarely the first choice in startup funding. First, entrepreneurs should have a \u00abproof of concept\u00bb \u2013 customers who pay and a model that shows that they can make money.<\/p>\n\n\n\n

Advice:<\/strong> Use equity, grants or early-stage investors. When the model works, the bank is ready to be a partner.<\/p>\n\n\n\n

<\/div>\n\n\n\n

5. Teamwork and ability to carry out tasks<\/h3>\n\n\n\n

Ultimately, it's the people the bank trusts. A strong and diverse team counts for more than one entrepreneur alone.<\/p>\n\n\n\n

Advice:<\/strong> Build a team that is proficient in both finance and management. Remember that in practice, banks don't just lend money to companies; they also lend it to the people behind the company.<\/p>\n\n\n\n

<\/div>\n\n\n\n

Invest in your own expertise<\/h2>\n\n\n\n

Want to learn more? Join us full ESSE masterclass<\/a> with Hans Kristian Bekkevard at Aggrator on September 11th.<\/p>\n\n\n\n

<\/p>\n\n\n\n

The photo in the article is from a visit to Marker and Eidsberg Sparebank in August, and shows Hans Kristian Bekkevard on the left and Bjarne Tvete on the right.<\/em><\/p>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

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 […]<\/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":"","_templately_pack_id":"","_templately_imported_at":"","_templately_source":"","_templately_import_session_id":"","_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_exclude_from_search":0,"_thinkrank_exclude_from_archives":0,"_thinkrank_primary_category":1466,"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_seo_schema_type":"","_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_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_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"],"jetpack_publicize_connections":[],"uagb_featured_image_src":{"full":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",2770,1857,false],"thumbnail":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722-150x150.jpg?crop=1",150,150,true],"medium":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722-300x201.jpg",300,201,true],"medium_large":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722-768x515.jpg",768,515,true],"large":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722-1024x686.jpg",800,536,true],"1536x1536":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722-1536x1030.jpg",1536,1030,true],"2048x2048":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722-2048x1373.jpg",2048,1373,true],"trp-custom-language-flag":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",18,12,false],"newspack-article-block-landscape-large":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",1200,804,false],"newspack-article-block-portrait-large":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",900,603,false],"newspack-article-block-square-large":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",1200,804,false],"newspack-article-block-landscape-medium":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",800,536,false],"newspack-article-block-portrait-medium":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",600,402,false],"newspack-article-block-square-medium":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",800,536,false],"newspack-article-block-landscape-intermediate":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",600,402,false],"newspack-article-block-portrait-intermediate":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",450,302,false],"newspack-article-block-square-intermediate":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",600,402,false],"newspack-article-block-landscape-small":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",400,268,false],"newspack-article-block-portrait-small":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",300,201,false],"newspack-article-block-square-small":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",400,268,false],"newspack-article-block-landscape-tiny":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",200,134,false],"newspack-article-block-portrait-tiny":["https:\/\/aggrator.com\/wp-content\/uploads\/2025\/08\/IMG_8920-e1756204154722.jpg",150,1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