Business loan - Get a business loan simply

Only a fixed monthly fee, no hidden costs
Money within a day
Pay back when you want

Request a free loan quote!

The offer is non-binding


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The winter season is challenging because the bikes are not moving. Business finance helped to expand the programming of the cars.
Client Jani Parkkonen
Jani Parkkonen
The business loan helped us prepare for the Christmas season. We had a new product on the market and launching it required a lot of investment in both raw materials and supplies.
Client Marko Mäkilä
Marko Mäkilä
Vaskion Mauste
By the end of October, we had to have acquired a stock equivalent to about five months of sales. That's where the business loan came in handy.
Client Anu Rainela-Lankinen
Anu Rainela-Lankinen

Frequently asked questions about business loans

Can a sole trader get a business loan?

Businesses can apply for our business loans. We grant business loans to limited companies, general partnerships, limited partnerships and entrepreneurs operating under a trading name. The most important thing is that it is a business activity and the need for the loan is related to that activity. We do not lend to individuals.

Is Apple Pay safe? 

Apple Pay is among the safest ways to make a transaction. Apple doesn't have access to your payment card details or store them on your device, nor will they be given to the merchant whenever you pay. Apple pay uses device-specific numbers and transaction-specific code to make payments.   

With contactless payments, you don't need to enter your cards PIN-code. Therefore you don’t have to worry about someone taking a look and memorizing it. Each transaction is also verified with your device's Touch ID, Face ID or passcode. That means only the owner of the device can pay with it.

How do I contact customer service?

You can reach us through our chat, by phone at 09 424 503 99 (lnc/mpc) or by email at Our customer service is available on weekdays from 08:00 to 18:00.

What is the interest rate on my business loan?

Your business loan is interest-free, meaning that the interest rate is 0%. Instead, an open-ended business loan is charged at a fixed, company-specific monthly rate. The monthly fee starts at 1.75%/month.

Apart from the monthly fee, you pay no other costs for your loan. We do not charge an opening fee or any other hidden costs.

We only charge an extra fee for a paper invoice (€5/invoice) if you want to receive a paper invoice. There is no charge for an e-invoice.

We only charge you for the time you have a business loan. If you want to repay your business loan early, you will save on the loan costs.

How do I apply for a business loan?

Applying for a loan is very simple and quick. To apply for a loan, you can:

  1. Click the Apply now button and fill in an application. It takes only a minute.
  2. Within the next hour, we'll give send you an offer that is valid for 10 days.
  3. If you want to accept the offer you can sign it with your BankID.

When will the loan be paid out?

The loan will be paid out after we have received the (electronically) signed loan agreement. If you sign the loan agreement on a business day before 09:30, the money will be on your bank account within the same business day. If the loan agreement has been signed after 09:30 or on a weekend, the money will be on your bank account during the next business day.

Who can apply for a loan?

All limited liability business, partnerships, sole proprietorships / traders, and more can apply and be approved a loan. It can be a proud, old business, or a brand new startup, large or small. We work with businesses in virtually every industry, from north to south - even businesses with a checkered credit history can qualify. We evaulate each business individually - the key for us is that there is a solid business idea and qualified business owners behind the company.

When is a business loan worth it?

A business loan can help your business, whether you want to invest in growth or need working capital.

Hire staff

Invest in tools
and machines

When you need working capital

Business loans
up to
€500 000

A Qred Bank business loan is suitable for all companies, regardless of the type of company. Our financing is suitable for both the small and large needs of your business, as our corporate loans range from EUR 1 000 to EUR 500 000.

About Qred


Founded in 2015 by entrepreneurs for entrepreneurs, Qred is one of Europe's fastest growing fintech companies, according to the Financial Times. Qred has delivered profitable growth since the beginning and, according to Trustpilot, is the market leader in the Nordics with the most satisfied customers in Finland.

Qred operates in Finland, Sweden, Denmark, the Netherlands, Belgium, Norway, Germany and Brazil and has granted hundreds of thousands of loans to small businesses. Thanks to a fully automated and patented credit scoring system, Qred Bank can quickly and competitively provide entrepreneurs with the support they need to grow.

A person holding a Qred VISA visa who wishes to apply for a business loan.

You can count on us

Bisnode logo

Bisnode provides us with financial information to support the credit evaluation process.

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Visma Sign enables the fast e-signatures.

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Geotrust SSL-certificate assures that your data is securely processed.

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We are members of Suomen Yrittäjät

Financing made simple

Apply in 1 minute

Fill in a quick and easy application to receive a free and non-binding loan offer.


Response in up to an hour

Once you have submitted your application, we will contact you within up to one hour. You will receive a loan offer by email.


Confirm online

If you wish, you can accept the loan offer with your bank details. You can get the money for your business in as little as one hour.


Non-binding loan term

If you no longer need the loan, you can repay the full amount at any time without any extra costs.

Apply for a business loan
Restaurant owner Robert
Qred helped me when I had a tough period.
Thanks to Qred, we were able to lease our company car and pay salaries.
Qred got in touch after a day and made a loan proposal. It felt like a fair deal!

Transparent pricing

At Qred, the only cost of a business loan is a fixed monthly fee. The monthly fee is determined individually based on the size of the loan and your company's creditworthiness. To see what your exact monthly fee will be, fill out a non-binding loan application here

Fixed fee
No hidden costs
Non-binding loan term

Contact us

Contact us and let's see how a business loan could help your business.
You can reach our customer service on weekdays from 08:00 to 18:00.

Business loan for everyday purchases

Not in need for a business loan right now? Check out the Qred VISA business card, which is designed for your company's daily purchases.

What is a business loan?

A business loan is a financing solution for companies that need capital (money) to cover various needs.

Types of corporate loans

There are different types of business loans. Depending on your business and your needs, certain business loans may work better or worse.

Corporate loans online

Qred offers business loans online. So you don't have to go to a physical bank branch to meet someone at a specific time. All you need to do is apply on our website and you will receive a response within an hour. The money will be paid the same day you sign the offer - completely digitally!

Traditional big banks

Traditional large banks still have local branches where you need to make an appointment to meet an adviser. It can then take several days or even weeks to get an answer, and the application process is often very time-consuming.

Benefits of a business loan from Qredi

You'll get world-class personal service, and you can do everything from applying to getting money into your account completely digitally - in just a few hours!

  • No start-up fees
  • Non-binding loan term
  • Free and non-binding application

When should you consider a business loan?

A business loan can be considered in a number of different situations. It can be used to help with temporary downturns or to make investments and help your business grow. Whatever your reason for being an entrepreneur, Qred is here for you.

How does the business loan application process work?

With Qred, it's as easy as ordering a book online. Fill in your details, such as the amount you want to borrow, contact details, etc. It only takes a few minutes. Within an hour, a processor will contact you with either a follow up or a quote. The money will be paid the same day you sign the offer. Done!

Requirements for applying for a business loan

You must be a Finnish citizen, have a Finnish bank account and have lived in Finland.

Documentation required for a business loan

Once you have submitted your application to us, we will run a credit check and start collecting documentation automatically. However, you can always choose to attach the necessary documents directly to the application or send them manually later.

Interest and charges on a business loan

At Qred, we want to make things as simple as possible. That's why we've decided to use a fixed monthly payment as the cost of the loan. So you know exactly what you're paying each month. We also have no initial fees or other hidden charges for early repayment or similar. In fact, we encourage you to pay back your loan early! That's why our loans have no commitment period.

Common types of interest rates for corporate loans

Other common types of interest rates and charges on business loans may include origination fees at the beginning of the loan term, management fees and other types of interest or hidden charges that you should be aware of.

Options for a business loan

There are several options for a business loan. It depends entirely on you and your business needs. If you have many small, everyday expenses, a business card may be a good option. If it's more about cash flow, factoring and invoice sales can be a good solution. Some banks and lenders also offer overdraft facilities. It can be a good option if you want a secure back-up that you can use when you need it.

How to find the best business loan?

Often people have a "home bank", often one of the traditional big banks, for their personal finances, such as a mortgage, an account, etc. Many people keep their personal and business finances separate. This is where Qred can offer a world class personal service!

What to compare when choosing a business loan

There are many things to consider when choosing a business loan.

  • Don't borrow if you already have too much debt.
  • Don't borrow if you know you will have trouble paying back.
  • Don't borrow to make risky investments.
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