bedriftskreditt

Bedriftskreditt, or corporate credit, denotes the various forms of credit extended to businesses for operating money, growth, or investment. It can be provided by banks, financial institutions, or suppliers, and may take the form of short-term facilities (kassekreditt), invoice financing (fakturakreditt) such as factoring or reverse factoring, and long-term term loans for capital expenditure. Conditions vary by lender and include interest rates, fees, repayment schedules, and covenants. Availability depends on the borrower's creditworthiness, cash flow, collateral, and the macroeconomic environment.

Creditworthiness is assessed using financial statements, liquidity ratios, cash flow projections, and credit information from registries. In Norway, credit risk is supervised by Finanstilsynet for banks and other lending institutions; corporate lending complies with general financial regulation and capital requirements. Suppliers may offer credit terms such as net 30 or net 60, influencing working capital management and supply chains.

Risks for borrowers include rising interest costs, refinancing risk, and covenant breaches; for lenders, default risk and deterioration of collateral value. Effective management includes cash flow forecasting, credit risk analysis of customers, and diversification of funding sources.

Related concepts include kassekreditt, fakturakreditt/factoring, leverandørkreditt, and bedriftslån (business loans).