Simple and flexible financing

It is not possible to take out a business loan to start your business. Once you have a registered business that has been operating for at least 3 months, you can apply for a business loan with us.

Qred does not use a standard rate, but evaluates each business loan application on an individual basis. Our team makes an overall credit assessment of whether a business owner is able to meet future payments, and we look at whether the amount borrowed is commensurate with the size and turnover of the business.
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With Qred, you pay a fixed price each month for a business loan. This price consists of two parts: a fixed monthly fee for using the loan (user fee), plus a fixed monthly repayment on the outstanding loan amount (amortization). Add the two amounts together and you have your total monthly amount. The amount you pay in monthly user fees and amortization is calculated based on the loan amount, the loan term, a company's credit score and other factors.

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Why a fixed price for a business loan?

We prefer a fixed monthly price, because this way you as a business owner know exactly what will be debited each month. As a result, you never have to worry about complicated interest rates or a sudden increase in your monthly charges. With Qred, the monthly amount remains the same throughout the term of your business loan (unless you apply for a loan increase in the interim and want to borrow additional credit).

Qred is the expert in business loans and helps undermeners grow thanks to fast, simple and flexible financing. Qred was founded in 2015 and has been active in Belgium since 2020. In total, Qred has already financed more than 40,000 entrepreneurs. Qred offers business loans from €1000 to as much as €100,000, with a term of up to 18 months.

How does applying for a loan with Qred work?‍
You can request a free, no-obligation quote on our website. Our team will process your request immediately and you will receive a response within a few hours. You will receive an offer and once it is signed, we will transfer the loan to you the same day.

You will pay a fixed amount each month, which can be found in your offer. This price consists of two parts: a fixed monthly fee for using the loan (user fee), plus a fixed monthly repayment on the outstanding loan amount (amortization). You can also repay the loan at no cost at any time (i.e., you only pay for the months you use the loan).

All Belgian Sole Proprietors, BVs, NVs, VOFs and self-employed people can apply for a loan with us. We have only 3 requirements:

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1. You must have a valid VAT number.
2. Your company has been operating for at least 3 months.
3. The management of the company is resident in Belgium.

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It doesn't matter what industry your company operates in or how many employees it has. Qred evaluates each application individually based on an advanced credit assessment. What is important to us is that a good and healthy business concept is present and, that there are good people behind the business.

Applying for a business loan through Qred is free, completely non-binding and takes just 1 minute!

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Applying for a business loan in a few simple steps:

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1. Click on "Free Quote" on the home page
2. Enter the desired loan amount
3. Click on "Quick quote with itsme or Be-ID" and verify yourself
4. Complete the form and submit the request

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Our team will process your business loan application immediately and get back to you as soon as possible to discuss your options. If the application is approved, you will receive a quote that can be signed digitally using the itsme app. Once the quote is signed, we will transfer the funds to your account the same business day.