Qred offers business loans from €5 000 up to €500 000 for all types of business needs, regardless of the sector. We believe all entrepreneurs deserve the opportunity to grow their business!
Fast application process
Non-binding loan term
Get your money in your account within 24 hours
Whatever the need, you are sure to find a solution at Qred. Below you will find a few examples of where Qred's business loans are used:
For example, we can help with material procurement and recruitment costs when your company is expanding its business.
Take your business to the next level with new equipment, devices or even software.
Surprising expenses are coming for all of us. Apply for finance to repair your vehicle, pay your taxes or deal with a temporary cash flow shortfall.
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Anu Rainela-Lankinen
We believe that all these can be achieved at the same time. Our business loan offers flexibility at no extra cost, fast loan repayment and clear pricing. And best of all? Pay back your loan early at no extra cost, because with a Qred business loan there is no commitment period!
We understand the importance of flexibility in business. That is why Qred offers the possibility to repay the loan early at any time during the loan agreement, without any additional costs. So you decide when to repay the loan!
You may think we're boring, but we don't like surprises. That's why the loan has a fixed monthly fee that stays the same for as long as the loan is active. So you can forget about variable and hidden loan costs and unpredictability. So, simply put, the same cost - every month.
Your current loan
386 000 kr
Many entrepreneurs are aiming to grow their business. Qred has simplified the entire loan process so you can respond to growth opportunities as quickly as possible. It only takes a few minutes to apply, your application is processed in up to an hour and the money is transferred to your account within 24 hours of signing.
Qred was founded in 2015 by entrepreneurs, and since 2016 we have also been operating in Finland. From the very beginning, the services have been offered especially for small and medium-sized enterprises, which quickly made Qred one of the most sought-after banks when it comes to flexible financing. Qred is the market leader in its field in the Nordic countries, and we also operate in the Netherlands, Germany, Belgium and Brazil.
We understand the challenges and needs of entrepreneurs and are proud to be one of the top-rated business lenders on Trustpilot.
Qred offers business loans for larger and longer-term investments, and the Qred Visa business card for smaller and recurring expenses. Choose the best option for you - or why not both?
Apply for a business loan
Fast application process
The loan will be paid into your account within 24 hours
You can apply for a loan from €5 000 up to €500 000 with no commitment period. We offer loan terms of up to 36 months and you can repay the loan early, at no extra cost. Our business loans are suitable for immediate working capital needs, as well as for investment and business growth.
Apply for a Qred Visa here
Get a 1% payment bonus
Order more cards for your employees - for free!
Check out our business credit card: wide access, no extra fees. Save on every purchase with a payment method advantage. Join thousands of satisfied entrepreneurs and order your Qred Visa today! No annual fee, no commitment, just benefits for your everyday entrepreneurial life!
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Our Country Manager Antti and his team have answered several frequently asked questions here:
We want to make the everyday life of entrepreneurs less straightforward. Therefore, our pricing is simple and clear.
Qred's corporate loans have no interest. Instead, a fixed monthly fee is charged. The monthly fee is company-specific and starts at 1.75%. Apart from the monthly fee, there are no other costs for the loans. Our loans also have no commitment period, which means that the business loan can be repaid as soon as it is no longer needed. In this case, we only charge a monthly fee for the time the loan has been in use.
Clear, easy and transparent – that's why more and more small business owners are choosing Qred.
Of course! With us, you don't have to keep your business loan for longer than you want and need it. With Qred, you only pay monthly fees for the time you have the loan.
Contact our customer service when you want to pay back your business loan. We will send you a final invoice that includes the remaining loan and monthly fee.
You will receive a monthly invoice from us by email or, if you prefer, by post. For example, if you withdraw your loan on the 5th of the month, your first due date will be the 6th of the following month. The invoice has a 10-day payment term. Payments are posted to the loan according to the payment date. The invoice breaks down the amount of the repayment and the amount of the expense, so you know exactly what you are paying and can easily record this information in your company's accounts later. You can also always see the current balance of your loan on Qred's Own Page.
A business loan is a financing solution for companies that need capital (money) to cover various needs.
There are different types of business loans. Depending on your business and your needs, certain business loans may work better or worse.
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 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.
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!
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.
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!
You must be a Finnish citizen, have a Finnish bank account and have lived in Finland.
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.
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.
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. Make sure you calculate the cost of a business loan. Business loan calculator - try our calculator!
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.
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!
There are many things to consider when choosing a business loan.
Let us help you find the best possible financing for your business! Our customer service is available from 8am to 6pm on weekdays.
Antti has been responsible for Qred Bank's Finnish market for several years. As an expert in corporate finance, Antti writes many articles here on our blog. He also holds a Master's degree in Finance from the University of Vaasa.
