KapitalKontroll offers
Norway's fastest growing fintech solution for debt collection
Microsoft AI Cloud Partner
Kapitalkontroll With its proprietary software, we have revolutionized the debt collection industry and replaced the need for debt collection agencies. We are the natural substitute for today's debt collection agencies.
KapitalKontroll suitable for all businesses and all types of requirements. We offer full flexibility and a fully digital solution tailored to your industry.
In 2025, our system collected over NOK 5.5 billion with a resolution rate of around 90%. With full automation and state-of-the-art technology, we guarantee shorter credit times, less workload and increased customer satisfaction.
With us as your partner, you always keep the entire principal, commission and interest income. Try us for free for 3 months and experience the benefits.
Why KapitalKontroll?
KapitalKontroll has a large Tech team in Oslo that tailors solutions for automated debt collection. Our Azure-based software is used annually in several million cases and ensures an extremely high resolution rate.
We guarantee faster payments, increased revenue and better customer relations. With us, you get a streamlined process that is less stressful for the customer, while we guarantee faster payments and new revenue without overdraft fees or other hidden costs.
With us, you keep the entire principal, interest and fees. You avoid debt collection agencies while spending less time on outstanding claims. Take care of your customer relationship while ensuring your company's liquidity.
Key figures
Questions & Answers
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KK2 effectively ensures that all invoices that are not paid when due enter into an automatic process that follows up on the invoice until it is paid or the case is sent to the bailiff.
You have full control over what happens, you decide and the money goes straight into your account. -
Yes, it is possible to exclude certain customers from automatic reminders. You can also choose whether you want mild, standard or strict procedures.
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The integration is suitable for those who want automated follow-up of outstanding invoices where you have full control, while at the same time having a tool that allows you to take cases to the Bailiff and the Conciliation Council if necessary. We digitize your finance function!
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This was much easier than we thought and we have received faster payment in addition to a new source of income.
We avoid additional work with debt collection agencies and see that we actually save time with the automation and systematics in KK2.
With reminders in the accounting system, we were dependent on individuals, and it took a long time, and there was no debt collection solution.
We are no longer dependent on project managers having to approve dunning proposals or on the financial manager being busy to get paid.
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KapitalKontroll collected approximately 10% of all that was collected in Norway in 2024
Half of Norway's municipalities use KapitalKontroll's model for collecting outstanding debts and we have several large companies in Norway on our customer list and several hundred SME companies.
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Our system is set up for easy, fast and seamless implementation – so you can be up and running within 1 hour.
All old cases can be continued in the existing solution or transferred to our system.
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No, it's free. The only thing you pay is a share of the fees and interest income you receive, while your clients receive low collection agency fees and we do all the work for you.
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Everything is automatic and handled by KapitalKontroll which provides API or file-based communication via our SFTP server if you do not have cloud-based accounting. We send ongoing accounting documents so that interest and fees are automatically posted to the correct accounts
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Our customers say they actually spend less time with our system than when they used a debt collection agency.
All reminders will now happen automatically and it saves time.
Inquiries from customers are processed directly in our system and you can create installment agreements, send pre-filled emails and SMS with invoice copies and payment information.
There is no longer a need for 3-party dialogue between the customer, the debt collection agency and you, which saves our customers a lot of time.
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Factoring is an expensive solution. After a short time with our solution, most people will reduce the credit period by 10 to 15% and achieve the same liquidity effect as when using a factoring company without paying for it. Also remember that if an invoice is not paid after a collection process, you are the one who has to take the loss, not your factoring company.
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You get faster payment and shorter credit terms, no overdraft fees, you always keep 100% of the principal, you have control over the process, lower fees for the debtor and ultimately more satisfied customers and employees since everything now happens automatically.
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Yes, KapitalKontroll has a separate department that can assist with all or part of the dunning and collection process. We also have our own lawyer who can assist in serious and more serious cases.
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You will earn money from debt collection KapitalKontroll We share all interest and commission income paid 50/50 with you. The only fixed costs you will incur are NOK 175 per month.
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If your customer does not pay the notices from the system, you can easily send the case to the Bailiff or the District Court via the system. The authorities will then handle your case in exactly the same way as if it came from a collection agency. You will receive information from the authorities about your case in the system and by email.
KapitalKontroll can assist in assessing whether cases should proceed to the bailiff and district court if desired, we also have our own lawyer who can assist with all collection-related matters.
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Yes, KapitalKontroll offers all customers free support with a 2-hour response time during normal business hours. We have our own consultants who handle collection, in-house lawyers and developers, as well as a large support team who are ready to help you when you need it.