Simple and flexible financing

Business loans for SMEs

Business loans -
at Qred we offer:

A fixed, monthly rate
No hidden fees
Same-day payout
No lock-in period

How much would you like to borrow?

Get a free, non-binding quote

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A fixed, monthly rate
No hidden fees
Same-day payout
No lock-in period
Thanks to a quick business loan from Qred, we were able to lease our company car.
Joakim & Erik
Qred sent me an attractive loan offer the same day.
Restaurant owner
Qred helped me keep my head above water during a difficult period.
Café owner
Would you
stock up on supplies?
get a bridging loan?
grow your business?
finance a project?
invest in marketing?
have a better cash flow?
buy new tools?

How does it work?


Applying for a loan is simple, straightforward and only takes a minute.

Free of charge

Requesting a loan quote is completely free and always 100% non-binding.


Sign our offer digitally and we will transfer the money the same business day.

No set-up costs
No hidden fees
No lock-in period

Frequently asked questions

What does a business loan from Qred cost?

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.

With Qred, you pay a fixed price each month for a business loan of €1000 to €200,000. 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.

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).

What is Qred?

Qred is the expert in business loans and helps entrepreneurs 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 €200,000, with a term of up to 36 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).

Who can apply for a loan?

All Belgian Sole Traders, BVs, NVs, VOFs and self-employed people can apply to us for a business loan of up to €200,000. We have only 3 requirements:

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

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.

How do I apply for a loan?

Applying for a business loan from €1000 to €200,000 through Qred is free, completely non-binding and takes only 1 minute!

Applying for a business loan in a few simple steps:

1. Click on "Get a 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

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 money to your account within one more hour.

> 40,000 funded entrepreneurs

Qred has helped entrepreneurs in all sectors grow their businesses with flexible financing.

Financing for small and medium-sized enterprises

Fast and flexible financing

Regardless of whether your business is large or small, we'll find a solution that's right for you. We offer fast, fair and flexible financing for SMEs.

Personal service

Our friendly team is always ready to help you - you can contact us by phone, email or chat. We will help you every step of the way.

Strong customer relationships

We build long-term relationships with our customers. We are happy to advise you and improve our service every day so that we can support you even better in the future.


We love all entrepreneurs! Get in touch and find out how Qred can help your business!
09:00 - 17:00 (Mon-Fri)