Question 1

What is Aros Kapital?

Accepted Answer

Aros Kapital is a Norwegian branch (Norskregistrert utenlandsk foretak) of the Swedish credit institution Aros Kapital AB. The branch operates as part of Aros Kapital Group, which specializes in providing flexible financing solutions to small and medium-sized enterprises (SMEs) across Northern Europe.

As an EEA branch registered in Norway, Aros Kapital Norge Filial extends the parent company's lending capabilities to Norwegian businesses. The group maintains a strong focus on corporate lending, real estate financing, factoring, and leasing services for SMEs that need alternatives to traditional banking solutions.

Question 2

When was Aros Kapital founded?

Accepted Answer

The parent company, Aros Kapital AB, was founded in 2004 in Sweden with a vision to offer flexible and tailored financing solutions to drive growth for SME clients. Initially focused on business-to-business financing, including factoring, credit, business loans, and debt collection, the company expanded its operations significantly.

In December 2014, Aros Kapital obtained a permit to receive deposits from the public and became a fully licensed Swedish credit institution under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). This authorization also made the bank a member of the Swedish National Debt Office deposit insurance scheme.

The Norwegian branch (Aros Kapital Norge Filial) was authorized on August 27, 2021, expanding the group's Nordic presence. The branch is supervised by the Norwegian Financial Supervisory Authority (Finanstilsynet) as an EEA branch operating under the parent institution's Swedish banking license.

Question 3

Where is Aros Kapital headquartered?

Accepted Answer

The Norwegian branch is headquartered in Oslo, Norway, with its business address at Ruseløkkveien 60, 0251 Oslo. The postal address is Postboks 1922 Vika, 0125 Oslo.

The parent institution, Aros Kapital AB, maintains its head office in Göteborg (Gothenburg), Sweden. The group also operates additional offices in Stockholm and Örebro within Sweden.

Question 4

Where does Aros Kapital operate?

Accepted Answer

Aros Kapital Norge Filial operates throughout Norway, serving SMEs across the country from its Oslo headquarters. As a branch of a Swedish credit institution, it can provide cross-border financial services to Norwegian businesses under the EU's passporting framework.

The broader Aros Kapital Group operates across Northern Europe with offices in Sweden (Gothenburg, Stockholm, Örebro), Norway (Oslo), and the United Kingdom (London). The London branch serves as the hub for international expansion, supporting multinational businesses and fostering the SME financing ecosystem.

Question 5

What services does Aros Kapital offer?

Accepted Answer

Aros Kapital provides specialized financing solutions tailored to SMEs, including:

Corporate Lending: Business loans ranging from 1 million to 200 million SEK (approximately equivalent in NOK) with flexible terms up to 60 months. Loans support expansion, investment, restructuring, or addressing temporary financial difficulties.

Factoring Services: Invoice purchasing where businesses sell their receivables to Aros Kapital for immediate payment. The company assumes full credit risk, handles administration, collections, and customer communications. Services include domestic, export, and consumer invoicing with no binding periods.

Real Estate Financing: Property loans and construction credit facilities designed for SME property investments and development projects.

Leasing: Equipment and asset leasing solutions to help businesses acquire necessary resources without upfront capital expenditure.

EU-Supported Lending: Small businesses can access EU-backed loans with favorable terms, lower personal guarantee requirements, and more competitive interest rates through programs like EaSI and EFSI.

Digital Services: In-house developed technology platforms provide real-time updates, customer portals for managing invoices and receivables, and efficient credit decision-making processes. Integration with business systems for automated invoice handling and bookkeeping is available.

Question 6

What makes Aros Kapital unique?

Accepted Answer

Aros Kapital distinguishes itself as a competitive alternative to major banks, particularly for SMEs that require flexible financing solutions with faster decision-making processes.

Entrepreneurial Approach: The bank leverages in-house developed technology and offers smart solutions with an entrepreneurial spirit, emphasizing flexibility and speed in credit decisions that traditional banks may not match.

Full Credit Risk Assumption: Unlike many competitors, Aros Kapital's factoring service assumes 100% of credit risk on purchased invoices, providing complete peace of mind for business clients.

Nordic and UK Expertise: With nearly two decades of experience and operations across Sweden, Norway, and the UK, the group understands the specific needs and challenges of Northern European SMEs.

Partnership Model: The bank positions itself as a value-creating partner rather than just a lender, focusing on supporting tech-driven lending platforms and underlying SME borrowers through collaborative relationships.

Competitive Rates: In 2024, Aros Kapital was recognized for offering some of the lowest effective annual interest rates among alternative lenders, with average rates around 10% and typically ranging between 9-12%.

Question 7

What type of financial institution is Aros Kapital?

Accepted Answer

Aros Kapital Norge Filial is classified as a CRD EEA Branch (Capital Requirements Directive European Economic Area Branch) under EBA regulatory framework. This designation indicates it is a branch of a credit institution authorized in another EEA country operating in Norway.

The parent company, Aros Kapital AB, is a Swedish Credit Market Company (Kreditmarknadsbolag) and licensed Credit Institution regulated by the Swedish Financial Supervisory Authority (Finansinspektionen). As a credit institution, it has full banking authorization including the ability to accept deposits and provide lending services.

In Norway, the branch operates as a Norskregistrert utenlandsk foretak (Norwegian-registered foreign enterprise) under organizational number 826537132. It falls under business code 66.190, which covers "Other activities auxiliary to financial services and collective investment funds."

The branch is supervised by Finanstilsynet (the Financial Supervisory Authority of Norway) as the competent authority, while the parent institution maintains its primary supervision under Swedish authorities.

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