{"id":192,"date":"2017-05-13T17:37:52","date_gmt":"2017-05-13T17:37:52","guid":{"rendered":"https:\/\/firmalan.com\/sv\/?page_id=192"},"modified":"2026-07-29T13:17:04","modified_gmt":"2026-07-29T13:17:04","slug":"crowdfunding","status":"publish","type":"page","link":"https:\/\/firmalan.com\/sv\/finansieringsformer\/crowdfunding\/","title":{"rendered":"Crowdfunding och P2P-l\u00e5n"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Delningsekonomi \u00e4r ett popul\u00e4rt koncept som vinner allt mer mark globalt. Ocks\u00e5 inom finansbranschen har crowdfunding och person-till-person l\u00e5n f\u00e5tt genomslag och m\u00e5nga tror att dessa finansieringsformer p\u00e5 allvar kommer kunna konkurrera med de etablerade banker om marknaden i framtiden. Ett omr\u00e5de med stark tillv\u00e4xt \u00e4r crowdfunding och P2P-l\u00e5n som v\u00e4nder sig till f\u00f6retag, pilotprojekt och olika organisationer. Den gemensamma n\u00e4mnaren bland m\u00e5nga av de f\u00f6retag som v\u00e4nder sig till crowdfundingtj\u00e4nster eller s\u00f6ker P2P-l\u00e5n \u00e4r att man tidigare nekats bankl\u00e5n.<\/p>\n\n\n\n<div class=\"nb-posts \" data-post-type=\"lana-pengar\" data-count=\"15\" data-orderby=\"date\" data-ordertype=\"desc\" data-col-css-class=\"\" data-query-taxonomies=\"W10=\" data-search-in-fields=\"IiI=\" data-item-effect-css-class=\"\" data-total-page-count=\"1\" data-clickable=\"\" data-slider=\"\" data-sliderTypes=\"[]\"><div class=\"row w-100 m-0 gy-24 \"><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n<figure class=\"my-10 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"150\" src=\"https:\/\/firmalan.com\/wp-content\/uploads\/2019\/09\/klarna-norge.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"width:100%;height:auto;width:250px;object-fit:contain;\" \/><\/figure>\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>Klarna Norge<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''><table>\r\n <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">L\u00e5nebel\u00f8p<\/font><\/td>\r\n    <td>50.000-1.500.000 kr.<\/td>\r\n\r\n  <\/tr>\r\n  \r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Nedbetalingstid<\/font><\/td>\r\n    <td>3-12 m\u00e5nader.<\/td>\r\n\r\n  <\/tr>\r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Utbetaling<\/font><\/td>\r\n    <td>\r\n1-2 virkedager.<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Rentesats<\/font><\/td>\r\n    <td>Fast avgift. (ditt f\u00f8rste 3-m\u00e5neders l\u00e5n er gratis. Ingen avgifter.)<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Etableringsgebyr<\/font><\/td>\r\n    <td>Fast avgift.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n     <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Sikkerhet<\/font><\/td>\r\n    <td>Krever ikke noen personlig garanti.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n   <tr> \r\n  <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Innl\u00f8sing av l\u00e5n<\/font><\/td>\r\n <td>Ja, det er mulig \u00e5 innfri l\u00e5net tidligere.<\/td>\r\n    <\/tr>\r\n <\/table><\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/klarna\/\" class=\"nb-post-read-more text-uppercase\">Mer om Klarna Bedriftsl\u00e5n F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/klarna\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n<figure class=\"my-10 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"150\" src=\"https:\/\/firmalan.com\/wp-content\/uploads\/2019\/09\/investio.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"width:100%;height:auto;width:250px;object-fit:contain;\" \/><\/figure>\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>Investio AS<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''><table>\r\n <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">L\u00e5nebel\u00f8p<\/font><\/td>\r\n    <td>100.000-10.000.000 kr.<\/td>\r\n\r\n  <\/tr>\r\n  \r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Nedbetalingstid<\/font><\/td>\r\n    <td>12-60 m\u00e5nader.<\/td>\r\n\r\n  <\/tr>\r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Utbetaling<\/font><\/td>\r\n    <td>\r\nManglende data.<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Rentesats<\/font><\/td>\r\n    <td>5-20%.<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Etableringsgebyr<\/font><\/td>\r\n    <td>3% av l\u00e5nesummen.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n     <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Sikkerhet<\/font><\/td>\r\n    <td>Eksempler p\u00e5 sikkerhet kan v\u00e6re kausjon, pant i fordringer eller eiendom.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n   <tr> \r\n  <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Innl\u00f8sing av l\u00e5n<\/font><\/td>\r\n <td>L\u00e5ntaker kan velge \u00e5 tilbakebetale l\u00e5net tidligere enn avtalt.<\/td>\r\n    <\/tr>\r\n <\/table><\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/investio\/\" class=\"nb-post-read-more text-uppercase\">Mer om Investio F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/investio\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>Eiendomskreditt AS<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''><table>\r\n <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">L\u00e5nebel\u00f8p<\/font><\/td>\r\n    <td>10.000.000-140.000.000 kr.<\/td>\r\n\r\n  <\/tr>\r\n  \r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Nedbetalingstid<\/font><\/td>\r\n    <td>12-240 m\u00e5nader.<\/td>\r\n\r\n  <\/tr>\r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Utbetaling<\/font><\/td>\r\n    <td>Pengene blir overf\u00f8rt i l\u00f8pet av ca. 7-14 virkedager.<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Rentesats<\/font><\/td>\r\n    <td>individuelle rentebetingelser.<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Gebyrer<\/font><\/td>\r\n    <td>Etableringsgebyr: fastsettes individuelt. <br>Termingebyr: kr 100.<br>\r\n\tTinglysingsgebyr ved tinglysing i fast eiendom: kr 525.<br>\r\n\tVed refinansiering : kr 200.\r\n\t<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n     <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Sikkerhet<\/font><\/td>\r\n    <td>Inntil 55 % gis mot pant i kurante og lett omsettelige eiendommer.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n   <tr> \r\n  <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Innl\u00f8sing av l\u00e5n<\/font><\/td>\r\n <td>Ingen informasjon.<\/td>\r\n    <\/tr>\r\n <\/table><\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/eiendomskreditt\/\" class=\"nb-post-read-more text-uppercase\">Mer om Eiendomskreditt F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/eiendomskreditt\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>DeBank ASA<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''>.<\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/debank\/\" class=\"nb-post-read-more text-uppercase\">Mer om DeBank F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/debank\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n<figure class=\"my-10 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"150\" src=\"https:\/\/firmalan.com\/wp-content\/uploads\/2019\/06\/perx-b.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"width:100%;height:auto;width:250px;object-fit:contain;\" \/><\/figure>\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>Perx Bedriftsl\u00e5n<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''><table>\r\n <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">L\u00e5nebel\u00f8p<\/font><\/td>\r\n    <td> 250.000-5.000.000 kr.<\/td>\r\n\r\n  <\/tr>\r\n  \r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Nedbetalingstid<\/font><\/td>\r\n    <td>6-24 m\u00e5nader.<\/td>\r\n\r\n  <\/tr>\r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Utbetaling<\/font><\/td>\r\n    <td>Pengene blir overf\u00f8rt i l\u00f8pet av 2-7 virkedager<BR>(*etter det l\u00e5net \u00e4r fullt finansierat).<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Rentesats<\/font><\/td>\r\n    <td>5-20%<td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Etableringsgebyr<\/font><\/td>\r\n    <td>3%.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n     <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Sikkerhet<\/font><\/td>\r\n    <td>Ingen informasjon.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n   <tr> \r\n  <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Innl\u00f8sing av l\u00e5n<\/font><\/td>\r\n <td>Ingen informasjon.<\/td>\r\n    <\/tr>\r\n <\/table><\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/perx\/\" class=\"nb-post-read-more text-uppercase\">Mer om Perx F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/perx\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n<figure class=\"my-10 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"150\" src=\"https:\/\/firmalan.com\/wp-content\/uploads\/2019\/06\/monner.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"width:100%;height:auto;width:250px;object-fit:contain;\" \/><\/figure>\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>Monner l\u00e5nebasert folkefinansiering<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''><table>\r\n <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">L\u00e5nebel\u00f8p<\/font><\/td>\r\n    <td>250.000-20.000.000 kr.<\/td>\r\n\r\n  <\/tr>\r\n  \r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Nedbetalingstid<\/font><\/td>\r\n    <td>6-36 m\u00e5nader.<\/td>\r\n\r\n  <\/tr>\r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Utbetaling<\/font><\/td>\r\n    <td>Pengene blir overf\u00f8rt i l\u00f8pet av 4-7 virkedager<BR>(*crowdfundingplattformen opptil 30 dager).<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Rentesats<\/font><\/td>\r\n    <td>5-12,2%.<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Etableringsgebyr<\/font><\/td>\r\n    <td>2.5%-5%.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n     <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Sikkerhet<\/font><\/td>\r\n    <td>Eksempler p\u00e5 sikkerhet kan v\u00e6re kausjon, pant i fordringer, eiendom eller annet panteobjekt.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n   <tr> \r\n  <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Innl\u00f8sing av l\u00e5n<\/font><\/td>\r\n <td>Ingen informasjon.<\/td>\r\n    <\/tr>\r\n <\/table><\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/monner\/\" class=\"nb-post-read-more text-uppercase\">Mer om Monner Crowdfunding F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/monner\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n<figure class=\"my-10 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"150\" src=\"https:\/\/firmalan.com\/wp-content\/uploads\/2019\/05\/kameo-norway.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"width:100%;height:auto;width:250px;object-fit:contain;\" \/><\/figure>\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>Kameo Norge<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''><table>\r\n <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">L\u00e5nebel\u00f8p<\/font><\/td>\r\n    <td>500.000-1.000.000 kr.<\/td>\r\n\r\n  <\/tr>\r\n  \r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Nedbetalingstid<\/font><\/td>\r\n    <td>6-36 m\u00e5nader.<\/td>\r\n\r\n  <\/tr>\r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Utbetaling<\/font><\/td>\r\n    <td>Pengene blir overf\u00f8rt i l\u00f8pet av 2-7 virkedager<BR>(*crowdfundingplattformen opptil 30 dager).<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Rentesats<\/font><\/td>\r\n    <td>5-15% (gjennomsnittlig rente:9,8%).<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Etableringsgebyr<\/font><\/td>\r\n    <td>2.5%-5%.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n     <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Sikkerhet<\/font><\/td>\r\n    <td>Eksempler p\u00e5 sikkerhet kan v\u00e6re kausjon, pant i fordringer eller eiendom.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n   <tr> \r\n  <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Innl\u00f8sing av l\u00e5n<\/font><\/td>\r\n <td>Ingen informasjon.<\/td>\r\n    <\/tr>\r\n <\/table><\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/kameo\/\" class=\"nb-post-read-more text-uppercase\">Mer om Kameo F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/kameo\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>Landkreditt Bank AS<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''>.<\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/landkreditt-bank\/\" class=\"nb-post-read-more text-uppercase\">Mer om Landkreditt Bank F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/landkreditt-bank\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>Ikano Bank AB (publ)<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''>.<\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/ikano-bank\/\" class=\"nb-post-read-more text-uppercase\">Mer om Ikano Bank F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/ikano-bank\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>Svenska Handelsbanken AB (publ)<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''>.<\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/handelsbanken\/\" class=\"nb-post-read-more text-uppercase\">Mer om Handelsbanken F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/handelsbanken\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>DNB ASA<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''>.<\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/dnb\/\" class=\"nb-post-read-more text-uppercase\">Mer om Den Norske Bank F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/dnb\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>Danske Bank AS<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''>.<\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/003-danske-bank\/\" class=\"nb-post-read-more text-uppercase\">Mer om Danske Bank F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/003-danske-bank\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n<figure class=\"my-10 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"150\" src=\"https:\/\/firmalan.com\/wp-content\/uploads\/2018\/09\/fundingparter.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"width:100%;height:auto;width:250px;object-fit:contain;\" \/><\/figure>\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>FundingPartner<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''><table>\r\n <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">L\u00e5nebel\u00f8p<\/font><\/td>\r\n    <td>100.000 \u2013 10.000.000 kr.<\/td>\r\n\r\n  <\/tr>\r\n  \r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Nedbetalingstid<\/font><\/td>\r\n    <td>0,5 \u2013 5 \u00e5r.<\/td>\r\n\r\n  <\/tr>\r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Utbetaling<\/font><\/td>\r\n    <td>Penger p\u00e5 din konto innen 1-3 uker.<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Rentesats<\/font><\/td>\r\n    <td>Individuell rente 5-20 %.<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Etableringsgebyr<\/font><\/td>\r\n    <td>2-3% av l\u00e5nebel\u00f8pet.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n     <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Sikkerhet<\/font><\/td>\r\n    <td>L\u00e5ne med eller uten sikkerhet.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n   <tr> \r\n  <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Innl\u00f8sing av l\u00e5n<\/font><\/td>\r\n <td>Ingen informasjon.<\/td>\r\n    <\/tr>\r\n<\/table><\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/002-fundingpartner\/\" class=\"nb-post-read-more text-uppercase\">Mer om FundingPartner F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/002-fundingpartner\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><div class=\"  \"><div\n                    class='nb-post-card '\n                    style=''>\n<div class=\"wp-block-noor-blocks-group nb-group undefined  nb-responsive-border-radius nb-responsive-border-style row-gap-10 p-16 border-color-custom-purple\" style=\"--border-style:solid;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n\n<figure class=\"my-10 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"150\" src=\"https:\/\/firmalan.com\/wp-content\/uploads\/2018\/09\/sveafinans.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"width:100%;height:auto;width:250px;object-fit:contain;\" \/><\/figure>\n\n<h2 class='nb-heading-meta nb-heading-meta-h2     mb-10' style=''>Svea Finans<\/h2>\n\n<span class='nb-heading-meta nb-heading-meta-span     ' style=''>SVEA Finans har presentert sv\u00e6rt liten informasjon om Business Credit, derfor kan vi ikke presentere alle vilk\u00e5r og betingelser for l\u00e5net.\r\n<table>\r\n <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">L\u00e5nebel\u00f8p<\/font><\/td>\r\n    <td>opp til 1.000.000 kr.<\/td>\r\n\r\n  <\/tr>\r\n  \r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Nedbetalingstid<\/font><\/td>\r\n    <td>Ingen informasjon.<\/td>\r\n\r\n  <\/tr>\r\n   <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Utbetaling<\/font><\/td>\r\n    <td>Pengene blir overf\u00f8rt i l\u00f8pet av 24 timer.<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Rentesats<\/font><\/td>\r\n    <td>Individuell rente.<\/td>\r\n\r\n  <\/tr>\r\n  <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Etableringsgebyr<\/font><\/td>\r\n    <td>M\u00e5nedsavgift p\u00e5 kr. 195.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n     <tr>\r\n    <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Sikkerhet<\/font><\/td>\r\n    <td>Ingen informasjon.<\/td>\r\n   \r\n  <\/tr>\r\n  \r\n   <tr> \r\n  <TD BGCOLOR=\"#000\"> <FONT COLOR=\"#FFF\">Innl\u00f8sing av l\u00e5n<\/font><\/td>\r\n <td>Ingen informasjon.<\/td>\r\n    <\/tr>\r\n <\/table>\r\n<\/span>\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined  d-flex flex-row align-items-center justify-content-between mt-10\"><a href=\"https:\/\/firmalan.com\/no\/lana-pengar\/001-svea\/\" class=\"nb-post-read-more text-uppercase\">Mer om Svea Business Credit F\u00f6retagsl\u00e5n<\/a>\n\n<a href=\"https:\/\/firmalan.com\/no\/go\/001-svea\/\" class=\"nb-post-link post-link-meta    \"><h2 class=\"nb-heading-post-link nb-heading-post-link-h2\" style=\"\">Ans\u00f6k nu<\/h2><\/a><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading mt-32\">Vad \u00e4r skillnaden mellan crowdfunding och P2P?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ofta anv\u00e4nds begreppen crowdfunding och P2P lite slarvigt, vilket g\u00f6r det l\u00e4tt att tro att dessa b\u00e5da ord \u00e4r utbytbara med varandra, men inneb\u00f6rden \u00e4r faktiskt inte riktigt densamma. Nedan reda vi ut skillnaden mellan de b\u00e5da termerna: Crowdfunding inneb\u00e4r att flera investerare, ofta vanliga enskilda privatpersoner, g\u00e5r ihop f\u00f6r att gemensamt investera kapital i intressanta projekt och verksamheter. Vid crowdfunding sker en investering snarare \u00e4n ett l\u00e5n, vilket inneb\u00e4r att de som v\u00e4ljer att teckna sig blir del\u00e4gare i den verksamhet man v\u00e4ljer att finansiera. Risken med detta uppl\u00e4gg utifr\u00e5n investerarens perspektiv \u00e4r att man riskerar att inte f\u00e5 tillbaka investeringskapitalet om verksamheten g\u00e5r omkull. P2P-l\u00e5n fungerar i grunden som ett vanligt f\u00f6retagsl\u00e5n, men ist\u00e4llet f\u00f6r banker eller kreditbolag fungerar enskilda individer som kreditgivare. \u00c5terbetalningen av P2P-l\u00e5n sker till en fast i f\u00f6rv\u00e4g framf\u00f6rhandlad r\u00e4nta, i vissa fall sker r\u00e4ntes\u00e4ttningen genom budgivning d\u00e4r intressenter kan t\u00e4vla med varandra om att erbjuda b\u00e4st l\u00e5nevillkor.&nbsp;<a href=\"https:\/\/firmalan.com\/sv\/lana-pengar\/kreditborsen\/\">Kreditb\u00f6rsen<\/a>&nbsp;\u00e4r ett exempel p\u00e5 P2P-l\u00e5n med f\u00f6retagare som m\u00e5lgrupp.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Crowdfunding genom donationer<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En del f\u00f6retag drivs med ett h\u00f6gre syfte i likhet med ideella organisationer, dessa r\u00f6relser har s\u00e4llan m\u00f6jlighet att erbjuda vare sig del\u00e4garskap eller betala l\u00e5ner\u00e4ntor, utan m\u00e5ste ist\u00e4llet helt f\u00f6rlita sig till frivilliga g\u00e5vor. Crowdfunding genom donationer inneb\u00e4r att flera givare g\u00e5r ihop f\u00f6r att tillsammans samla ihop de pengar som organisationer beh\u00f6ver f\u00f6r att kunna driva sin verksamhet, exempelvis kan en s\u00e5dan insamling g\u00f6r det m\u00f6jligt att f\u00f6rverkliga ett nytt projekt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Fyra olika sorters crowdfunding:<\/h3>\n\n\n\n<div class=\"wp-block-noor-blocks-group nb-group undefined nb-responsive-border-width nb-responsive-border-radius  nb-responsive-shadow mb-32 p-10 bg-custom-pale-gray border-color-custom-pale-gray\" style=\"--border-top-width-hover:1px;--border-right-width-hover:1px;--border-bottom-width-hover:1px;--border-left-width-hover:1px;--shadow:2px 2px 2px  #888888;--border-top-width:1px;--border-right-width:1px;--border-bottom-width:1px;--border-left-width:1px;--border-radius-top:10px;--border-radius-right:10px;--border-radius-bottom:10px;--border-radius-left:10px\">\n<ol class=\"wp-block-list\">\n<li><strong>Donation<\/strong>&nbsp;&#8211; Inneb\u00e4r att du bidrar med kapital genom g\u00e5vor oftast handlar det om insamlingar till v\u00e4lg\u00f6renhetsprojekt och andra s\u00e4rskilt behj\u00e4rtansv\u00e4rda \u00e4ndam\u00e5l.<\/li>\n\n\n\n<li><strong>Bel\u00f6ning<\/strong>&nbsp;&#8211; Dontationer och bidrag ges till ett projekt och n\u00e4r finansieringen och projektet \u00e4r i hamn bel\u00f6nas finansi\u00e4rerna med n\u00e5gon form av g\u00e5va.<\/li>\n\n\n\n<li><strong>Del\u00e4garskap<\/strong>&nbsp;&#8211; erbjuda \u00e4garskap i utbyte mot finansiering. Normalt erbjuds deltagande finansi\u00e4rer aktier eller annat motsvarande \u00e4gande.<\/li>\n\n\n\n<li><strong>R\u00e4nteavkastning&nbsp;<em>(Crowdlending)<\/em><\/strong>&nbsp;&#8211; Inte alla \u00e4r villiga att r\u00e4kna p2p-l\u00e5n som crowdfunding, men vi r\u00e4knar med dessa l\u00e5n d\u00e5 de i likhet med de \u00f6vriga alternativen \u00e4r en sorts folk- \/ gr\u00e4srotsfinansiering.<\/li>\n<\/ol>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Delningsekonomi \u00e4r ett popul\u00e4rt koncept som vinner allt mer mark globalt. Ocks\u00e5 inom finansbranschen har crowdfunding och person-till-person l\u00e5n f\u00e5tt genomslag och m\u00e5nga tror att dessa finansieringsformer p\u00e5 allvar kommer kunna konkurrera med de etablerade banker om marknaden i framtiden. Ett omr\u00e5de med stark tillv\u00e4xt \u00e4r crowdfunding och P2P-l\u00e5n som v\u00e4nder sig till f\u00f6retag, pilotprojekt [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2499,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-192","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Crowdfunding och P2P-l\u00e5n - Firmalan.com<\/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:\/\/firmalan.com\/sv\/finansieringsformer\/crowdfunding\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Crowdfunding och P2P-l\u00e5n - Firmalan.com\" \/>\n<meta property=\"og:description\" content=\"Delningsekonomi \u00e4r ett popul\u00e4rt koncept som vinner allt mer mark globalt. Ocks\u00e5 inom finansbranschen har crowdfunding och person-till-person l\u00e5n f\u00e5tt genomslag och m\u00e5nga tror att dessa finansieringsformer p\u00e5 allvar kommer kunna konkurrera med de etablerade banker om marknaden i framtiden. 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