Focus on your craft with a flexible business loan

Pay back whenever you want

Paid out within 24 hours

No hidden fees

Your financing needs

How much do you want to borrow for your business?

€ 1.000

€ 200.000

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Leende företagare som är kund till Qred Bank

A business loan that fits your ambitions

Voici quelques exemples montrant comment un prêt de Qred Bank peut vous aider à atteindre vos objectifs :

Bag on a table with coins scattered

Business loan for projects

With a bridge loan, you can easily cover material costs or hire the best professionals so your projects can go ahead without hassle.

Two Qred Bank customers who borrowed for investments

Investment credit

Take your business to the next level by investing in new equipment, machinery or software. Everyone could use an update once in a while!

Mechanic opens truck hood

Loan for unexpected expenses

It happens to everyone! Catch incidental expenses such as repairs, tax bills or an unforeseen shortfall in your budget.

Joakim and Erik who are customers of Qred
<span>"Grâce à Qred, nous avons pu louer notre voiture d'entreprise et payer les salaires. " </span>

Joakim & Erik

Entreprise de bâtiment et de construction

Business loans complicated? Not at Qred Bank!

Qred rend le financement des entreprises simple et accessible, sans procédures interminables ni montagnes de paperasse. Pas de souci, car en tant qu'entrepreneur, vous avez déjà assez à gérer au quotidien. Voici comment nous procédons différemment :

A chef looks proud with his kitchen tools

No lock-in period

We understand how important flexibility is for entrepreneurs. That's why Qred offers the ability to repay the loan in full at any time with no additional fees. You decide how long you use the loan, not us.

Two hands holding a smartphone with Qred's MyQred

Fixed monthly cost

Call us boring, but we don't like surprises. That's why our loans have fixed monthly fees. No unpredictability, just the same fixed price every month. Simple and clear.

Man with cap who owns courier company

Paid directly

Entrepreneurs don't have time to stand still. That's why we disburse our business loans within 24 hours. You deserve a loan that keeps you moving, so we've simplified our process so you can move even faster.

Qred supports entrepreneurial dreams since 2015

Qred was founded in 2015 by entrepreneurs, for entrepreneurs. Since our founding, we have not been afraid to challenge traditional banking and do it our own way: faster and simpler. We now operate in seven countries and are the market leader in business financing in Scandinavia.

In 2020, we launched our services in Belgium and have already helped thousands of companies with flexible business loans. Our team understands the unique challenges and needs of entrepreneurs, and we are proud of our status as one of the top rated business lenders on Trustpilot.

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Have questions?

Jesper, our Country Manager Belgium, and his team have answered the most frequently asked questions here:

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 up 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 an entrepreneur know exactly what will be debited each month. No complicated interest rates or a sudden increase in your monthly charges: just the same cost every month, clear and uncluttered. With Qred, the monthly amount remains the same throughout the term of the business loan (unless you apply for a loan increase in the interim and can borrow additional credit).

When is the loan transferred?

Once you have signed your offer, we transfer the money to your account within one more hour. Depending on vacations and differences between banks, for example, the loan may be available in your account the same day or the next business day.

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.

Business loans from Qred Bank

Are you looking for fast financing for your Belgian business? With our business loan, you can receive financial support faster than ever before. Simply submit your application online and receive a decision within 24 hours. Whether you want to expand your business, need new equipment or need to cover unexpected expenses, our flexible solution supports the progress of your business. Invest in your success today and watch your business flourish with the right support at the right time. Take the next step in growing your business - apply for your business loan now!

What is a business loan?

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

Types of business loans

There are several types of business loans available. Depending on your business and needs, some types of loans may suit you better or less well.

Online business loans

At Qred, we offer online business loans. So you don't have to go to a physical bank branch to meet someone at a specific time. All you have to do is submit an application on our website and you'll get a response within an hour. The money is disbursed the same day you sign the offer - completely digitally!

Traditional large banks

Traditional large banks still have local bank branches where you have to make an appointment to meet with an advisor. Then it can take several days or even weeks to get an answer, and the application process is often very time-consuming as well.

Benefits of a business loan from Qred

In addition to getting world-class personal service, you can do everything from applying to getting the money in your account completely digitally - within hours!

  • No set-up costs
  • No binding deadline
  • Free, no-obligation request

When should you consider a business loan?

There are several situations in which you might consider a business loan. It could be to bridge a temporary dip or to invest in something that will create growth in your business. Whatever your reason as a business owner, Qred is there for you.

How does the business loan application process work?

With us at Qred, it's as easy as ordering a book online. Just fill in your details, such as desired loan amount, contact information, etc. It only takes a few minutes. Within an hour, a representative will contact you with some follow-up questions or an offer. The money will be disbursed the same day you sign the offer. Done!

Requirements to apply for a business loan

You must be a Belgian citizen, have a Belgian bank account number and live in Belgium.

Required documentation for the business loan

When you submit an application to us, we perform credit checks and automatically begin collecting documentation. However, you can always choose to attach documents directly in the application or choose to submit them manually later.

Interest and business loan fees

At Qred, we want to make things as simple as possible. That's why we've chosen a fixed monthly fee as the cost of the loan. So you know exactly what you have to pay each month. We also don't have any start-up fees or other hidden charges for early repayment or the like. We even encourage you to repay early! That's why our loans have no binding term.

Common interest types for business loans

Other common interest types and fees for business loans may include start-up fees at the beginning of the loan period, administrative fees and other types of interest or hidden fees that are good to be aware of.

Alternatives to business loans

There are several alternatives for business loans. It depends entirely on you and your business needs. If you have a lot of small, day-to-day expenses, a business card may be a good alternative. If it's more of a cash flow issue, factoring and selling invoices may be a way to go. There are also some banks and lenders that offer overdrafts. This can be good if you want a secure security that you can use as needed.

How to find the best business loan?

Usually people have a "house bank," often one of the traditional major banks, for their private finances such as mortgages, accounts, etc. Many people like to separate private finances from business finances. That's where we at Qred can provide world-class personal service!

What to compare when choosing a business loan

There are many things to consider when taking out a business loan. Calculate the cost of the 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 speculate on risky investments.