Business Loan

At the end of each billing cycle, you'll receive an email report detailing all your expenses for the month.

Alvia is not added to corporate loan costs. As this is a financial service, the costs are altless. In your own ledger, you can post expenses as financial expenses.

Our loans do not have a separate interest rate. Instead, you pay a fixed monthly fee each month for using the loan plus a fixed monthly repayment on the outstanding loan amount (amortisation). Add the two amounts together and you have your fixed monthly cost. The amount you pay monthly in fees and repayments is calculated based on the loan amount, the loan period, the company's credit score and other factors. Curious about what we can offer you? Simply submit an application and we will get started with a free quote for your business loan! Our quote is always personal - and more importantly, always without obligation! You decide whether you accept our offer or continue to look for suitable financing to realise your ambitions. Why a fixed price for a business loan? We prefer a fixed monthly price, because that way you know exactly what will be debited each month. You never have to worry about complicated interest rates or a sudden increase in your monthly costs. At Qred your costs remain the same throughout the term of the business loan.

Not added, assumed that you will receive invoices by email to your inbox or e-invoicing program. The invoice comes as an email attachment in PDF format, which is also supported by the most common e-invoicing software. If you wish, we can also provide you with a monthly invoice by paper, for which we will charge an additional charge of €5 per invoice.

If payment is delayed, we will send a written reminder. The additional cost at this stage is €20 for late payment and late payment interest. As the payment delay continues, the corporate loan will be terminated and transferred to the collection company, in which case the costs of the external collection company will be paid. The most important thing is to contact customer service when you know that you will not be able to pay the invoice amount on the due date. Our customer service tel. number is 09 - 424 503 99.

Sole traders can apply for a business loan at Qred. What you need to have is an active business that is registered to the Trade Register in Finland. 

You will receive an invoice from us monthly by email or by post if you wish. For example, if you withdraw a loan on the 5th of the month, your first due date is the 6th of the following month. The invoice has a 10-day payment term. Payments are recorded on the loan according to the payment date. The invoice has a detailed amount of repayment and expense so that you know exactly what you are paying and can easily post this information to your company's books later. You can always see the current balance of your loan on Qred's Own Website.

The most important thing for us is to understand the need to use the loan and the current state of the company. Of course, we also check the company's credit information to make sure that the company or its responsible persons do not have recent payment default entries.

Qred Oy, a Finnish branch is a company registered with the Finnish Trade Register (Business ID 2868615-5). Qred Oy is part of the Nordic financial group Qred AB, which has been granting corporate loans in Sweden since 2015, Finland since 2016 and Denmark since 2017. Qred AB has been registered with the Swedish Financial Supervisory Authority since 2014. The company has offices in Stockholm and Helsinki.

Nope. At Qred, transparency is at the heart of our values and where we think we raised the standard in the market.

We don't have expensive administration, a heavy IT system or old-fashioned working methods. We can actually provide a service that is made for entrepreneurs, without all the ballast that history brings to banks. Give us a chance to show our superiority, we promise not to disappoint your expectations. You can check out our customer feedback here.

Qred's business loan is a flexible business loan tailored to the needs of small entrepreneurs, which we hope will help as many Small Finnish entrepreneurs as possible. Qred provides clear, simple and fast financing for small businesses. All Finnish companies can apply for a loan up to EUR 200,000.

We grant corporate loans to companies whose data can be found in the Finnish Trade Register and whose responsible persons live in Finland.

Our assessment of the company is based on a survey of the overall situation. Once we understand the need and the current situation of the company, we can usually help. We do not require a financial statement, cash flow statement or business plan to be submitted when applying for a corporate loan. Of course, you can attach a loan to your application, e.g. to the loan application. bank statement or information about future orders to get an offer faster and improve your chances of getting a loan.

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.

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.

Applying for a loan is very simple and quick. Apply in three simple steps:

1. Click the Apply now button and fill in an application. It takes only a minute.
2. You will get an offer from us in a short moment. The offer is valid for 7 days.
3. If you want to accept the offer you can sign it with your BankID.

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