Vergard Partners is an independent advisory practice covering debt, financing and capital structure matters. Information on this website is of a general nature and does not constitute legal, tax, accounting or financial advice, and shall not be regarded as an offer or recommendation to enter into a loan, refinance or take any other financial action. Calculation examples and calculators are simplified; interest rates, fees and credit decisions are always determined by the respective lender following individual assessment, and past performance is no guarantee of future outcomes. We do not accept commissions or other remuneration from banks or credit institutions. All engagements are governed by written agreement and are subject to anti-money-laundering rules, KYC, confidentiality and, where applicable, reporting requirements under DAC 6. Vergard Partners makes no warranties as to the accuracy or completeness of the website and disclaims, to the extent permitted by law, liability for any direct or indirect damage arising from use of the content. By using this website, the visitor accepts these terms and our privacy policy, cookie policy and full disclaimer. Disputes are settled under Swedish law with the Stockholm District Court as court of first instance.