Help and support
When does the loan have to be repaid?
You pay once a month. For example, if you accepted the loan on the 10th of the month, the first payment should reach us on the 10th of the following month. We will send the invoice by e-mail 10 days before the payment date.
How does the analysis work?
We make an overall assessment of each application. The most important thing is that the company is able to meet future payments and that the amount borrowed is reasonable in relation to the size of the company. Unfortunately, we sometimes have to reject requests. One of the most common reasons is that the finances of a company or its representatives are not in order, so there are many debts to other bodies. However, individual arrears are not absolute no-go's. We always try to look at the whole. Another reason is that the information provided is incorrect or insufficient, or that the company's ability to pay is uncertain or cannot be represented. Read more under Security.
How do I apply for a loan?
It is very easy to apply for a business loan. It takes only 60 seconds. Moreover, it is completely free. There are 3 simple steps:
- Please fill in the form (desired quantity, VAT number, e-mail address and mobile number). The request is free of charge and non-binding.
- Send any additional information. Offers are usually sent out within one hour during office hours.
- You decide whether you want to proceed after receiving an offer. After you have approved the loan with your personal itsme or ID card, the money is transferred the same day.
Do I have to pay VAT on the fixed monthly price?
No, the monthly price is exempt from VAT.
Do you charge an invoice fee?
No, there is no invoice fee if you choose to receive the invoice in PDF format in your inbox. However, we do charge €3 if you choose to receive the invoice by post.
What happens if I am unable to repay the loan?
We will first send you a reminder that you have forgotten to pay the monthly fee. If the loan is still not paid, the case will be transferred for collection. If the company does not fulfil its payment obligation, the guarantor will be held personally responsible for the payment. We strongly recommend that you contact us should you have problems paying an invoice. We are always willing to discuss a solution!
What happens if I do not pay on time ?
We will send a friendly reminder if we have not received the payment on time. Please make sure that the payment is available on the due date to avoid any reminder, delay and collection costs.
Do you receive credit information about me?
Yes. We request information about your company from a number of credit rating agencies. We also request information on your personal creditworthiness.
How do I contact Qred?
You can reach us by phone at 02 588 09 83. You can also send us an e-mail to email@example.com.
Who is the supervisor of your company?
Qred is the Belgian subsidiary of Qred AB. It is registered as a financial institution with the Swedish Financial Markets Authority (Finansinspektionen). In addition, our activities are audited by an approved auditor.
Are my passwords stored?
In order to maintain the highest possible security in our service, passwords are stored in an encrypted format. Therefore, if you forget your previous password, you must create a new one. It is important that you choose a password that nobody knows, preferably with letters, numbers and special characters.
Are there any hidden costs?
No. At Qred we are completely transparent about our prices and conditions.
What distinguishes Qred?
We have invested in a modern online system that is completely independent of expensive offices and manual operations. By analysing data from hundreds of sources, we can properly assess the company that has submitted the application. No other company grants and disburses business loans faster than Qred. In addition, what's also unique is simply paying for the time you use the loan. Simple, right? It's also very simple and safe.
What is Qred?
Qred is the new form of money lending. All Belgian companies can now apply for loans up to €100,000 without having to go to the bank. Normally you receive a message within an hour and we transfer the money the same day. You pay a fixed amount each month with no hidden costs and you can repay the loan free of charge at any time (you only pay for the months you use the loan). The monthly price is individual and depends on your Qred score. For each month you use the loan, you pay the fixed monthly price and repay part of the loan. No interest or other charges are added. Simple, right?
When is the loan transferred?
Normally the loan will be transferred the same day if the loan application is approved before 5pm. Depending on, for example, holidays and differences between banks, the loan may already be available in your account next working day.