{"id":43971,"date":"2023-09-21T06:44:26","date_gmt":"2023-09-21T04:44:26","guid":{"rendered":"https:\/\/financer.dk\/?page_id=43971"},"modified":"2024-05-24T12:23:12","modified_gmt":"2024-05-24T10:23:12","slug":"erhvervslaan-trods-rki","status":"publish","type":"page","link":"https:\/\/financer.dk\/laan-penge\/erhvervslaan-trods-rki\/","title":{"rendered":"Erhvervsl\u00e5n trods RKI"},"content":{"rendered":"\n<p>Har du brug for et erhvervsl\u00e5n til at starte, udvikle eller redde din virksomhed?\u00a0<\/p>\n\n\n\n<p>Men st\u00e5r du i RKI eller opfylder du ikke de formelle l\u00e5nekrav? S\u00e5 kan det v\u00e6re sv\u00e6rt at finde en l\u00e5neudbyder, der vil l\u00e5ne dig penge.\u00a0<\/p>\n\n\n\n<p>I denne artikel gennemg\u00e5r vi de forskellige muligheder, du har som erhvervsdrivende, hvis du \u00f8nsker et erhvervsl\u00e5n trods RKI eller har en d\u00e5rlig \u00f8konomi.\u00a0<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3>Her kan du f\u00e5 erhvervsl\u00e5n trods RKI<\/h3><p><span style=\"font-weight: 400;\">Hvis du blot \u00f8nsker at finde dine muligheder for erhvervsl\u00e5n, selvom din virksomhed st\u00e5r i RKI, s\u00e5 skal du v\u00e6lge en af disse:<br><\/span><\/p>\n<ul>\n<li><a href=\"https:\/\/financer.dk\/selskab\/ferratum-business\/\">CapitalBox<\/a><\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/qred\/\">qred erhvervsl\u00e5n<\/a><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">begge accepterer ans\u00f8gninger, selvom din virksomhed st\u00e5r i RKI.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Du skal stadigv\u00e6k gennem den normale kreditvurdering, men du har mulighed for at tilf\u00f8je en medans\u00f8ger eller l\u00e5ne pengene med dit CPR-nummer.<\/span><\/p><p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financer.dk\/laan-penge\/virksomhedslaan\/\"   class=\"button is-normal is-primary is-rounded is-large\">Se alle erhvervsl\u00e5n <\/a>\n\t<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Hvad_er_de_formelle_krav_til_et_erhvervsln\">Hvad er de formelle krav til et erhvervsl\u00e5n?<\/h2>\n\n\n\n<p>Der er nogle typiske krav du som ans\u00f8ger skal opfylde, ogs\u00e5 selv om du s\u00f8ger om et erhvervsl\u00e5n trods RKI.<\/p>\n\n\n\n<p>Disse krav kan variere fra udbyder til udbyder, men nogle af de mest almindelige er:<\/p>\n\n\n\n<ul>\n<li><strong>Oms\u00e6tning<\/strong>: Du skal have en vis oms\u00e6tning i din virksomhed for at vise, at du har en stabil indt\u00e6gt og kan betale l\u00e5net tilbage.<\/li>\n\n\n\n<li><strong>Alder<\/strong>: Du skal v\u00e6re fyldt mindst 18 \u00e5r, for at kunne optage et l\u00e5n i Danmark.<\/li>\n\n\n\n<li><strong>Adresse<\/strong>: Du skal have en dansk adresse og v\u00e6re registreret i Folkeregistret.<\/li>\n\n\n\n<li><strong>Bankkonto<\/strong>: Du skal have en dansk bankkonto, hvor pengene kan overf\u00f8res til.<\/li>\n\n\n\n<li><strong>CVR-nummer<\/strong>: Du skal have et CVR-nummer.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-flex-start\"><a href=\"#top\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Se tilg\u00e6ngelige erhvervsl\u00e5n trods RKI<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Hvorfor_er_det_svrt_at_f_et_erhvervsln_trods_RKI\">Hvorfor er det sv\u00e6rt at f\u00e5 et erhvervsl\u00e5n trods RKI?<\/h2>\n\n\n\n<p>RKI er et register over d\u00e5rlige betalere, som l\u00e5neudbyderne tjekker, f\u00f8r de godkender et l\u00e5n.\u00a0<\/p>\n\n\n\n<p>Hvis du st\u00e5r i RKI, betyder det, at du har misligholdt en eller flere g\u00e6ldsforpligtelser, og at du derfor anses for at v\u00e6re en h\u00f8jrisiko l\u00e5ntager.\u00a0<\/p>\n\n\n\n<p>Det kan g\u00f8re det n\u00e6sten umuligt at f\u00e5 et erhvervsl\u00e5n hos de traditionelle banker eller l\u00e5neudbydere.<\/p>\n\n\n\n<p>Vi har samlet nogle af de mest almindelige grunde til, hvorfor l\u00e5ntagere i mange tilf\u00e6lde ikke \u00f8nsker at udl\u00e5ne penge til erhvervsl\u00e5n trods RKI:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u00c5rsag<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Forklaring<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>RKI er et register over d\u00e5rlige betalere<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">N\u00e5r en virksomhed st\u00e5r i RKI, betyder det, at den har misligholdt en eller flere g\u00e6ldsforpligtelser, og at den derfor anses for at v\u00e6re en h\u00f8jrisiko l\u00e5ntager.\u00a0<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>L\u00e5ngivere skal udl\u00e5ne ansvarligt<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">L\u00e5ngivere er forpligtede til kun at udl\u00e5ne ansvarligt, dvs. til forbrugere og virksomheder, der har r\u00e5d til at l\u00e5ne. Det betyder, at de skal vurdere kreditv\u00e6rdigheden og \u00f8konomien af dem, de l\u00e5ner penge til. Hvis en virksomhed st\u00e5r i RKI eller har en d\u00e5rlig \u00f8konomi, kan det v\u00e6re tegn p\u00e5 uansvarlighed, og l\u00e5ngiveren kan v\u00e6re i tvivl om de f\u00e5r deres penge igen.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>L\u00e5ngivere vil minimere deres tab<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">L\u00e5ngivere vil naturligvis minimere deres tab og maksimere deres fortjeneste, n\u00e5r de l\u00e5ner penge ud. Hvis de l\u00e5ner penge til en virksomhed, der st\u00e5r i RKI eller har en d\u00e5rlig \u00f8konomi, \u00f8ger de risikoen for, at de ikke f\u00e5r deres penge tilbage. Det kan medf\u00f8re tab, og skade deres forretning.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/qred\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2019\/07\/qred-erhvervslaa-logo.png\" class=\"attachment-full size-full\" alt=\"Qred erhvervsl\u00e5n anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>1.968<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Erhvervsl\u00e5n<\/li><li >Tilbyder erhvervsl\u00e5n indenfor 24 timer<\/li><li >Underskriv digital med NemID<\/li><li >0% i rente, i stedet betaler du et mdr. gebyr baseret p\u00e5 din Q-score<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">10.000 kr.<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">1.000.000 kr.<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Type<\/span><span class=\"items-content__card-datapoint-value\">Erhvervsl\u00e5n til frit brug<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Rente<\/span><span class=\"items-content__card-datapoint-value\">Ingen rente (betales fast gebyr)<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">N\/A<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">N\/A<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/qred\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"10999\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/qred\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/qred\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/qred\/#read-reviews\">2<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/ferratum-business\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2016\/12\/capital-box-logo.png\" class=\"attachment-full size-full\" alt=\"Capital box anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>1.509<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Virksomhedsl\u00e5n til sm\u00e5 og mellemstore virksomheder<\/li><li >L\u00e5n op til 1.500.000 kr<\/li><li >Hurtig ans\u00f8gning og godkendelse<\/li><li >Gennemsnitlig m\u00e5nedlig rente p\u00e5 2,9%<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">15.000 kr. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">2.500.000 kr.<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Type<\/span><span class=\"items-content__card-datapoint-value\">Erhvervsl\u00e5n til sm\u00e5 etablerede virksomheder <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Rente<\/span><span class=\"items-content__card-datapoint-value\">2,9% i gennemsnit<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 mdr.<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">24 mdr.<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">20 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/ferratum-business\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3355\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum-business\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum-business\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3\">3.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/ferratum-business\/#read-reviews\">2<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>Sammenlign l\u00e5n fra 44 l\u00e5ngivere\n<\/h3><p>Find det billigste l\u00e5n med et enkelt klik\n<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"10000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.dk\/resultat?query=1&non_affiliate=true&param_amount=10000&param_period=360\" data-slider-url=\"https:\/\/financer.dk\/resultat?query=1&non_affiliate=true&param_amount=10000&param_period=360\" data-required=\"resultat?query=1non_affiliate=true&param_amount=10000&param_period=360&\" class=\"get_results compare button is-primary is-medium is-rounded\">Sammenlign l\u00e5n<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Ln_til_privatpersoner___et_alternativ_til_erhvervsln\">L\u00e5n til privatpersoner &#8211; et alternativ til erhvervsl\u00e5n<\/h2>\n\n\n\n<p>Opfylder din virksomhed ikke de formelle krav til et erhvervsl\u00e5n, eller er du registreret i RKI, kan du overveje at <a href=\"https:\/\/financer.dk\/laan-penge\/\" data-type=\"page\" data-id=\"2420\">l\u00e5ne penge<\/a> som privatperson til din virksomhed.\u00a0<\/p>\n\n\n\n<p>Det betyder, at du l\u00e5ner penge i dit CPR-nummer i stedet for i dit CVR-nummer.\u00a0<\/p>\n\n\n\n<p>P\u00e5 den m\u00e5de kan du omg\u00e5 nogle af de krav, som l\u00e5neudbyderne stiller til erhvervsl\u00e5n, og du kan ogs\u00e5 have st\u00f8rre chance for at f\u00e5 et l\u00e5n, selvom din virksomhed st\u00e5r i RKI.<\/p>\n\n\n<h3 id=\"Fordele_ved_at_lne_penge_som_privatperson_til_sin_virksomhed\">Fordele ved at l\u00e5ne penge som privatperson til sin virksomhed<\/h3>\n<p><\/p>\n<ul>\n<li><strong>Du kan l\u00e5ne mindre bel\u00f8b: <\/strong>Hvis du kun har brug for et mindre bel\u00f8b til din virksomhed, kan det v\u00e6re nemmere at f\u00e5 et privatl\u00e5n end et erhvervsl\u00e5n. <\/li>\n<li>Mange erhvervsl\u00e5n har et minimumsbel\u00f8b, som du skal l\u00e5ne, mens privatl\u00e5n kan v\u00e6re mere fleksible.<\/li>\n<li><strong>Du kan l\u00e5ne hurtigere: <\/strong>Hvis du har brug for pengene hurtigt til din virksomhed, kan et privatl\u00e5n v\u00e6re en god l\u00f8sning. <\/li>\n<li>Mange privatl\u00e5n har en hurtig ans\u00f8gningsproces og udbetaling, mens erhvervsl\u00e5n kan tage l\u00e6ngere tid at behandle og godkende.<\/li>\n<li><strong>Du kan l\u00e5ne uden sikkerhed: <\/strong>Hvis du ikke har nogen sikkerhed at stille for dit l\u00e5n, kan det v\u00e6re sv\u00e6rt at f\u00e5 et erhvervsl\u00e5n. <\/li>\n<li>Mange erhvervsl\u00e5n kr\u00e6ver, at du stiller en kautionist eller en pant i din virksomhed eller ejendom. Men med et privatl\u00e5n kan du ofte l\u00e5ne uden sikkerhed.<\/li>\n<\/ul>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Ulemper_ved_at_lne_penge_som_privatperson_til_sin_virksomhed\">Ulemper ved at l\u00e5ne penge som privatperson til sin virksomhed<\/h3><li>\n<p><strong>Du h\u00e6fter personligt for l\u00e5net:<\/strong> N\u00e5r du l\u00e5ner penge som privatperson til din virksomhed, h\u00e6fter du personligt for l\u00e5net. <\/p>\n\n<p>Det betyder, at hvis din virksomhed g\u00e5r konkurs eller ikke kan betale l\u00e5net tilbage, skal du selv betale det af med dine private midler. Det kan s\u00e6tte dig i en \u00f8konomisk klemme og p\u00e5virke din kreditv\u00e6rdighed negativt.<\/p>\n<\/li><li>\n<p><strong>Du kan ikke fratr\u00e6kke renterne: <\/strong>N\u00e5r du l\u00e5ner penge som privatperson til din virksomhed, kan du ikke fratr\u00e6kke renterne p\u00e5 l\u00e5net i din virksomheds regnskab. <\/p>\n\n<p>Det betyder, at du skal betale mere i skat af din indkomst fra virksomheden. Hvis du derimod l\u00e5ner penge som erhvervsdrivende, kan du fratr\u00e6kke renterne som en udgift i din virksomheds regnskab.<\/p>\n<\/li><li>\n<p><strong>Du kan f\u00e5 h\u00f8jere renter: <\/strong>N\u00e5r du l\u00e5ner penge som privatperson til din virksomhed, kan du f\u00e5 h\u00f8jere renter, end hvis du l\u00e5ner penge som erhvervsdrivende. <\/p>\n\n<p>Det skyldes, at privatl\u00e5n ofte er mere risikable for l\u00e5neudbyderne end erhvervsl\u00e5n, og derfor s\u00e6tter de h\u00f8jere renter for at d\u00e6kke deres tab. <\/p>\n\n<p>Hvis du st\u00e5r i RKI eller har en d\u00e5rlig \u00f8konomi, kan det ogs\u00e5 p\u00e5virke din rente negativt.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3>Bedste l\u00e5n i sin kategori 2025<\/h3><ul>\n<li><a href=\"https:\/\/financer.dk\/selskab\/bank-norwegian\/\"><strong>Bank Norwegian<\/strong><\/a>\u00a0\u2013 bedste forbrugsl\u00e5n<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\"><strong>Cashper<\/strong><\/a>\u00a0\u2013 bedste mikrol\u00e5n<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/lendme\/\"><strong>Lendme<\/strong><\/a>\u00a0\u2013 bedste l\u00e5neformidler<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/letfinans\/\"><strong>Letfinans<\/strong><\/a>\u00a0\u2013 bedste samlel\u00e5n<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/ferratum-business\/\"><strong>CapitalBox<\/strong><\/a>\u00a0\u2013 bedste erhvervsl\u00e5n<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\"><strong>Kreditnu-<\/strong><\/a>\u00a0Bedste l\u00e5n med kredit<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/digifinans\/\"><strong>Digifinans<\/strong><\/a>\u00a0\u2013 bedste bill\u00e5n<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\"><strong>Ferratum<\/strong><\/a>\u00a0\u2013 bedste kvikl\u00e5n<\/li>\n<\/ul><p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financer.dk\/laan-penge\/\"   class=\"button is-normal is-primary is-rounded is-large\">Se alle l\u00e5n <\/a>\n\t<\/p><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Sammenlign erhvervsl\u00e5n trods RKI<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Hvad_skal_man_vre_opmrksom_p\"><strong>Hvad skal man v\u00e6re opm\u00e6rksom p\u00e5?\u00a0<\/strong><\/h2>\n\n\n\n<p>Det er ikke en god id\u00e9 at l\u00e5ne penge, n\u00e5r man allerede har g\u00e6ld og d\u00e5rlig \u00f8konomi. Det kan nemlig f\u00f8re til endnu mere g\u00e6ld og \u00f8konomiske problemer.<\/p>\n\n\n\n<p>Her er nogle ting, du skal v\u00e6re opm\u00e6rksom p\u00e5, n\u00e5r du overvejer et erhvervsl\u00e5n trods RKI:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Du_kan_miste_din_virksomhed\">Du kan miste din virksomhed\u00a0<\/h3>\n\n\n\n<p>N\u00e5r du l\u00e5ner penge trods RKI, kan du miste din virksomhed, hvis du ikke kan betale l\u00e5net tilbage til tiden.\u00a0<\/p>\n\n\n\n<p>Det kan ske, hvis du har stillet din virksomhed eller ejendom som sikkerhed for l\u00e5net, og l\u00e5neudbyderen s\u00e6lger den for at f\u00e5 deres penge tilbage.<\/p>\n\n\n\n<p>Det kan ogs\u00e5 ske, hvis du har l\u00e5nt penge som privatperson til din virksomhed, og du bliver tvunget til at lukke din virksomhed for at betale din private g\u00e6ld.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Du_kan_f_svrere_ved_at_lne_penge_i_fremtiden\">Du kan f\u00e5 sv\u00e6rere ved at l\u00e5ne penge i fremtiden\u00a0<\/h3>\n\n\n\n<p>Hvis du overvejer et erhvervsl\u00e5n trods RKI, kan du ogs\u00e5 f\u00e5 sv\u00e6rere ved at l\u00e5ne penge i fremtiden, hvis du ikke f\u00e5r betalt din g\u00e6ld af og kommer ud af RKI.\u00a0<\/p>\n\n\n\n<p>Det skyldes, at din kreditv\u00e6rdighed bliver d\u00e5rligere, og at du f\u00e5r et d\u00e5rligt ry hos l\u00e5neudbyderne.\u00a0<\/p>\n\n\n\n<p>Det kan begr\u00e6nse dine muligheder for at f\u00e5 finansiering til din virksomhed, hvis du f\u00e5r brug for det senere.<\/p>\n\n\n\n<p>Vi anbefaler at du overvejer dine muligheder grundigt f\u00f8r du l\u00e5ner penge, og aldrig ans\u00f8ger om yderligere erhvervsl\u00e5n trods RKI medmindre det er absolut n\u00f8dvendigt.\u00a0<\/p>\n\n\n\n<p>Hvis du alligevel \u00f8nsker at ans\u00f8ge, skal du s\u00f8rge for at have en realistisk plan for, hvordan du kan betale l\u00e5net tilbage, s\u00e5 du kan f\u00e5 din virksomhed ud RKI hurtigst muligt.<\/p>\n\n\n\n<p>Det kan du g\u00f8re ved at overveje flere af disse muligheder:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li>\n<p><strong>Lav et budget<\/strong>: Det f\u00f8rste skridt til at komme ud af RKI er at lave et budget over din indt\u00e6gt og dine udgifter for virksomheden.<\/p>\n<\/li><li>\n<p><strong>Kontakt dine kreditorer<\/strong>: Det n\u00e6ste skridt er at kontakte dine kreditorer og forhandle en afdragsordning med dem. Det kan v\u00e6re, at du kan f\u00e5 nedsat din g\u00e6ld, forl\u00e6nget din betalingsfrist eller s\u00e6nket din rente.\u00a0<\/p>\n\n<p>Det er bedre at v\u00e6re \u00e6rlig og proaktiv end at ignorere dine kreditorer og h\u00e5be p\u00e5 det bedste.<\/p>\n\n<p>M\u00e5ske er det ligefrem muligt for dig, at f\u00e5 kreditorerne til at slette din virksomhed i RKI, hvis du fremadrettet overholder dine betalinger.<\/p>\n<\/li><li>\n<p><strong>Prioriter din g\u00e6ld<\/strong>: Det tredje skridt er at prioritere din g\u00e6ld og betale den af i den rigtige r\u00e6kkef\u00f8lge.\u00a0<\/p>\n\n<p>Du b\u00f8r starte med at betale den g\u00e6ld, der har den h\u00f8jeste rente eller de st\u00f8rste konsekvenser for din virksomhed, hvis du ikke betaler.\u00a0<\/p>\n<\/li><li>\n<p><strong>S\u00f8g hj\u00e6lp<\/strong>: Det fjerde skridt er at s\u00f8ge hj\u00e6lp, hvis du har brug for det. Du kan f.eks. kontakte en revisor eller en advokat, der kan hj\u00e6lpe dig med at f\u00e5 styr p\u00e5 din virksomheds \u00f8konomi.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/qred\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2019\/07\/qred-erhvervslaa-logo.png\" class=\"attachment-full size-full\" alt=\"Qred erhvervsl\u00e5n anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>1.968<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Erhvervsl\u00e5n<\/li><li >Tilbyder erhvervsl\u00e5n indenfor 24 timer<\/li><li >Underskriv digital med NemID<\/li><li >0% i rente, i stedet betaler du et mdr. gebyr baseret p\u00e5 din Q-score<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">10.000 kr.<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">1.000.000 kr.<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Type<\/span><span class=\"items-content__card-datapoint-value\">Erhvervsl\u00e5n til frit brug<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Rente<\/span><span class=\"items-content__card-datapoint-value\">Ingen rente (betales fast gebyr)<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">N\/A<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">N\/A<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/qred\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"10999\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/qred\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/qred\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/qred\/#read-reviews\">2<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/ferratum-business\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2016\/12\/capital-box-logo.png\" class=\"attachment-full size-full\" alt=\"Capital box anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>1.509<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Virksomhedsl\u00e5n til sm\u00e5 og mellemstore virksomheder<\/li><li >L\u00e5n op til 1.500.000 kr<\/li><li >Hurtig ans\u00f8gning og godkendelse<\/li><li >Gennemsnitlig m\u00e5nedlig rente p\u00e5 2,9%<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">15.000 kr. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">2.500.000 kr.<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Type<\/span><span class=\"items-content__card-datapoint-value\">Erhvervsl\u00e5n til sm\u00e5 etablerede virksomheder <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Rente<\/span><span class=\"items-content__card-datapoint-value\">2,9% i gennemsnit<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Ja<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 mdr.<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">24 mdr.<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">20 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/ferratum-business\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3355\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum-business\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum-business\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3\">3.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/ferratum-business\/#read-reviews\">2<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Har_du_overvejet_om_der_er_andre_muligheder_end_et_erhvervsln\"><strong>Har du overvejet, om der er andre muligheder end et erhvervsl\u00e5n?<\/strong><\/h2>\n\n\n\n<p>I denne artikel har vi set, at det er muligt at f\u00e5 et erhvervsl\u00e5n trods RKI, hvis man f.eks. l\u00e5ner penge som privatperson til sin virksomhed.\u00a0<\/p>\n\n\n\n<p>Nogle steder er det ogs\u00e5 muligt at ans\u00f8ge, hvis man har en kautionist eller noget v\u00e6rdi l\u00e5ngiveren kan tage pant i<\/p>\n\n\n\n<p>Det er dog ogs\u00e5 forbundet med mange risici og ulemper, som kan g\u00f8re ens situation v\u00e6rre.<\/p>\n\n\n\n<p>Derfor anbefaler vi dig at overveje alle dine muligheder f\u00f8r du kaster dig over et erhvervsl\u00e5n trods RKI, og altid s\u00f8rger for at sammenligne flere tilbud og v\u00e6lge det bedste l\u00e5n til din situation.\u00a0<\/p>\n\n\n\n<p>Du b\u00f8r ogs\u00e5 have en plan for, hvordan du kan betale l\u00e5net tilbage, s\u00e5 du og din virksomhed kan komme ud af RKI hurtigst muligt.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Sammenlign erhvervsl\u00e5n trods RKI<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Har du brug for et erhvervsl\u00e5n til at starte, udvikle eller redde din virksomhed?\u00a0 Men st\u00e5r du i RKI eller\u2026 <\/p>\n","protected":false},"author":16578,"featured_media":44690,"parent":2420,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[55],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/43971"}],"collection":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/users\/16578"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/comments?post=43971"}],"version-history":[{"count":50,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/43971\/revisions"}],"predecessor-version":[{"id":78827,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/43971\/revisions\/78827"}],"up":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/2420"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/media\/44690"}],"wp:attachment":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/media?parent=43971"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/categories?post=43971"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/tags?post=43971"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}