Business loan - At Qred Bank, we provide:

A fixed, monthly rate
No hidden fees
Same-day payout
No lock-in period: you can repay the loan at any time

How much would you like to borrow?

Get a free, no-obligation, personalized quote for your business now

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We have the most satisfied customers

Qred Bank helped me keep my head above water during a difficult period.

Café owner

Thanks to Qred, we could lease our company car and pay out salaries. 

Joakim & Erik

Qred returned after a day and came up with a loan proposal. It felt like a fair deal!

Restaurant owner
Apply in 1 minute
Simply and quickly fill out an application to receive a free, no-obligation quote for your €1000 to €200,000 business loan.
Receive a quick response
We will contact you within hours of your application to discuss the business loan.
Same day payment
You can sign our quote with itsme or Be-ID. We will transfer the business loan to you the same business day.

Would you like a personalized cost estimate for a business loan from Qred?
Then submit a free application so our team can make you a non-binding offer!

I want a free quote!

Investing, innovating, digitizing, working capital or new equipment: Qred supports every lending goal.

At Qred Bank, you are guaranteed a fast and flexible business loan.

Personal service

Our great customer team is always ready to help you with questions about your business loan.

Fixed fee

You pay a fixed amount each month, consisting of usage fees and repayment of the business loan.

No lock-in period

There is no lock-in period for our business loans. You can repay the loan in full at any time at no additional cost.

No hidden fees

There will be no hidden fees or surprises. Business loans should be fair and easy.

How we make business financing easy for you


You can quickly and easily apply for a business loan digitally.
The application is without obligation.


Sign the offer digitally and we will transfer the money on the same working day.


Applying for a business loan is completely free and without obligation!

We collaborate with

Qred Bank AB ("Qred") is a bank regulated by the Swedish Financial Supervisory Authority (Finansinspektionen).

Our clients sign agreements online via Signicat

Qred uses itsme for fast and secure authentication

Our customers securely share their financial data through Klarna

About Qred

Our history

Founded in 2015 by entrepreneurs for entrepreneurs, Qred is one of Europe's fastest-growing fintech companies, according to the Financial Times. Qred has shown profitable growth from the start and is the market leader in Scandinavia with the most satisfied customers in Belgium, according to Trustpilot.

With offices in Belgium, the Netherlands, Sweden, Finland, Denmark, Norway, Germany and Brazil, Qred has provided hundreds of thousands of loans to small businesses. Thanks to a fully automated and self-developed credit scoring system, Qred can quickly and competitively provide business owners with the support they need to grow.

Man som håller i ett stort Qred VISA

Frequently asked questions about business loans

How much does it cost?

With Qred, you pay a fixed price each month for your business loan, consisting of the loan's utility costs and amortisation. There are no hidden fees and you can repay the loan in full at any time, with no additional charges.

Who is eligible?

All Belgian entrepreneurs, in possession of a valid VAT number, active for at least 3 months and whose company management resides in Belgium, can apply for a business loan from Qred. Regardless of the size of the company or the indursty it operates in.

What can I use the loan for? 

No matter what your business needs funding for, Qred has got you covered! We support all business loan purposes from new equipment to working capital.

About Qred Bank

Qred was founded by entrepreneurs for entrepreneurs. With operations in Sweden, Finland, Denmark, the Netherlands, Norway, Brazil and Belgium, Qred has financed more than 100,000 businesses and created more than 40,000 jobs.

Visit About Qred to read more.

jobs created


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

Business loan within 24 hours

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.

  • 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.

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