With us, you get easier access to more capital. We are a dedicated business bank here to help Danish small and medium-sized companies. We have no costly branches or unnecessary bureaucracy. Instead, we have skilled advisors who provide tailored financing solutions, business loans, competent advice, and fast processing times. Our advisors visit you, so you don't have to spend time going to the bank.

Tailormade financing, always finding a solution that fits your company's specific situation and needs.
Your local business advisor will come to visit you and your company, so you don't have to waste time on unnecessary transport.
If you need a business loan, we are available 24/7. Once your needs are clarified, we will have a solution ready within 48 hours. This way, you can focus on running your business.
Business financing
We help Danish SMEs achieve their full potential by financing their growth plans. Our financing solutions are tailored to your company's needs and typically consist of business loans ranging from DKK 500,000 to DKK 25,000,000.
Business financing from kompasbank is often used for:
Improved capital structure
Robots and automation
Inventory financing
Acquisitions and change of ownership

Revenue-Based Financing
Not every financing need starts at half a million. That's why kompasbank has partnered with YouLend — a European platform specialised in revenue-based financing. You pay no interest, just one fixed fee you know upfront. Repayments happen automatically as a percentage of your daily sales, so they always move in step with your cash flow.
One fixed fee: No interest. You know the total cost from day one.
Repayments follow your revenue: Instalments adjust to your sales automatically. More in busy periods. Less in the quiet ones.
Apply from month 3: With 3+ months of trading history and card payment revenue, you can apply right now.
No collateral required: You don't need to put up assets or property as security.

Business loan
Are you considering applying for a business loan but are unsure about how it works and what it costs?
This article will give you a clear overview of the key benefits and considerations you should know before deciding. You will gain insight into what a business loan entails, what options there are, and what you, as a business owner, should be especially aware of. Click through and find out if a business loan is relevant to your business.

We have experienced tremendous value from both the financial support and the advisory services provided by kompasbank. Not only have we been able to launch several successful initiatives, but we have also gained valuable insights for advancing our business. Jeppe, in particular, made noteworthy contributions during a strategy meeting by offering specific suggestions, which we are currently putting into action.
It was evident that kompasbank understood our business and needs. The process from idea to meeting to an actual offer was speedy. It meant a lot to us at the time so we could reap the growth opportunities we had set in motion with our strategy.
The collaboration with kompasbank has allowed us to keep up with developments and support our customers' growth. We must continue building and not just stand still, thinking we are world champions today.
At Kompasbank, we restructured our capital to reduce financing costs across the board. With the support of Kompasbank's financing, we accelerated the expansion of our school project, evolving from a boarding school to a combined free school and boarding school. Furthermore, Kompasbank's partnership has provided us with the agility to capitalize on unexpected opportunities.
kompasbank was extremely competent. They quickly understood what kind of company we are, our needs, and our unique characteristics, and then put together a great financing offer for us.
When climbing grows as quickly as it does, it demands a lot from us. Right now, kompasbank is helping us with the first significant growth spurt, but at some point, we will reach a threshold to manage on our own. And that is what the entire collaboration is about. The sky is the limit, and they are ready to help us.
In addition to meeting our financing needs, we had an excellent conversation with Patrick, our advisor from kompasbank. He understood our business and asked very relevant questions that we hadn’t been asked before. He provided concrete advice on how to elevate our company to a new level and undoubtedly pushed us in the right direction.
With kompasbank, we received a good and long-term financing package that improved our liquidity and strengthened our growth opportunities in the future. The process with kompasbank has been excellent; it was handled professionally and with the speed we needed.
Now, we have reached a point where we need additional capital for a better take-off. It turned out that kompasbank was a perfect fit. They are focused on SMEs and providing financing built on top of the bank financing I already had.
Our advisor, Patrick, came out to see us in Ballerup. He arrived well-prepared and had a deep understanding of our business. He asked the right questions and advised us from day one. Just two weeks after the meeting, the loan was disbursed, and afterward, Patrick called us to ensure everything was as it should be. I have yet to experience similar quality, speed, and proactivity elsewhere. They must be Denmark's fastest business bank.
With our loan from kompasbank, we have obtained a liquidity reserve that enables us to purchase larger quantities of goods and achieve volume discounts, which provides us with a more significant profit margin in a competitive market. This is crucial for us to keep up with the wave of digitalization and realize our growth ambitions.
Our accountant met with a new bank we had not heard of, kompasbank, and presented our case. There was excellent chemistry from the start, and it quickly became a joint project to achieve our goals. That actually encapsulates the essence of our collaboration with Kompasbank. It's a partnership rather than a traditional bank-customer relationship.
I couldn't have solved this. No matter how many banks I had approached. It wasn't until I started talking to Jeppe at kompasbank that I experienced a bank that was interested in the business itself and me.
Support options
Do you plan to carry out projects and initiatives in sustainability or education? We have ensured you access to various guarantee schemes that can give you easy access to financing.
At kompasbank, we collaborate with the European Investment Fund (EIF). Through this partnership, you gain access to advantageous business loans and financing, which you can use for various projects within the green transition, skills development, and education.

Access to capital
Lack of liquidity remains one of Denmark's biggest challenges for small and medium-sized enterprises (SMEs). According to our data, about one-third of SMEs contact us with a need for working capital to support daily operations or liquidity to enable growth and development.
Therefore, Danish SMEs are rarely held back by ideas or ambitions but rather by access to liquidity and the right financial tools. Gaining access to capital is not just about gaining access to capital but also about achieving better management, insight, and control over the company's finances.

Customer stories
We have built our own digital infrastructure from scratch, completely independent of existing structures and processes. This allows us to optimize our workflows and provide you with better and faster service.

Our team of local business advisors will meet you at your company. They do this to serve you in the best possible way and save you time. And because we achieve the best results when we work together.