Business Loans
within a day!

Applying is free and not binding
No hidden costs or start-up fees
Same-day payment
Get an offer!
Apply in 1 minute
Quick and easy application process. Application is free of charge and non-binding. We do not take UC from you as an individual.
Get answers within an hour
After you apply, we'll get back to you within the hour.
Same day payout
Sign with BankID and get the money the same day.

Loans for businesses - Sweden's most satisfied customers!

Qred helped me keep what I had in a period that was tough.

Robert, owner of Kaffebaren in Gnesta
Robert
Kaffebaren in Gnesta

Thanks to Qred, we were able to lease our company car and pay salaries.

Joakim and Erik, owners of Kvalitetsfog in Stockholm
Joakim & Erik
Kvalitetsfog in Stockholm

Qred got in touch after a day and made a loan proposal. It felt like a fair deal!

Kenny, owner of The Good Gringo
Kenny
The Good Gringo

Whatever you need your loan for, Qred will help you with a smooth and flexible loan! From working capital to new equipment - we support you no matter what.

Personalized service

Our amazing customer team is there to help you every step of the way.

Fixed price

Each month you pay the same fixed fee for the loan. We have no interest or other costs.

Non-binding

The business loan has no fixed term. You only pay for the months you have the loan.

No hidden fees

We have no hidden fees or surprises. Corporate loans should be fair and simple.

How we've made small business loans easy for you

Smoothly

Applying for a business loan is easy and takes just a minute. A business loan shouldn't be more complicated than that!

Stress-free

Sign your agreement with BankID and then we transfer the money the same working day

No fees

Making an application for a business loan is completely free of charge and not binding!

Frequently asked questions about business loans to companies

How much does a business loan cost?

Our loans always have a fixed monthly fee based on your company's individual Qred Score.

Who can apply for a business loan?

All forms of company can apply for a loan. It does not matter if the company is new or old, large or small - any company can make an application. All that is required is an active and registered company.

What can I use my business loan for?

Whether you're going to use the loan for a temporary slump or invest to grow, we're here for you. Apply and digitally sign your offer and have your money paid out on the same day!

Qred's green flag with white text outside the office

About Qred

Qred was created by entrepreneurs, for entrepreneurs. With operations in Sweden, Finland, Denmark, Norway, the Netherlands, Brazil and Belgium, we have helped over 25,000 businesses. Right now, Qred creates 10 jobs a day, 7 days a week.

Visit Qred to learn more

7200%
growth
150+
Talents
7
Markets
5000+
created jobs

Contact us

We love small business owners. Get in touch and tell us how we can help you and your company!
08:00 - 17:30 (Mon-Fri)

💚 Business loans and small business loans don't have to be difficult

Getting a loan for your business, no matter how old or large, shouldn't have to be too difficult.

Business loans with payment notes

Mistakes can happen. You might be late with a bill or miss something during your holidays or tough times in life. It shouldn't be an obstacle to looking ahead and growing your business.

Even if you or your company happens to have a payment record, Qred can help you with a loan. It all depends on the nature of the note, when it was issued, why and what the situation is in your company.

Amortization-free months

We understand that things can happen in the life cycle of a company. That's why we can often offer grace periods for a limited period of time. So, as long as you pay the fixed monthly fee each month, you may, in some cases, be able to pause your instalment payments to us.

❕ Important things to consider when applying:

There are a number of things to consider when applying for a business loan.

  • Is it the right time for my company to make an investment?
  • Do I dare to take this step in my company's growth journey?
  • Will I be able to repay the loan on time?

There are many questions and at least as many answers. It is only healthy to ask many questions and analyse the state of your company and your finances.

As a business owner, you already know that there are many things that cost money, such as paying taxes and fees, marketing costs, supplier invoices and other things needed to keep you afloat.

One thing that is often forgotten is that there are an incredible number of opportunities and good locations for growth.

Be clear about what you will use the loan for. For example, if you need to buy a machine for SEK 100,000 and are applying for the same amount, we might ask if you have any money to invest. If you have $30,000 to spare, we can suggest $70,000 to match your $30,000.

Perhaps your business could do with a little extra investment in stock for the high season, a little marketing or building that outdoor terrace you've always dreamed of to attract guests in the summer?

Qred believes in transparency, innovation and passion. If you're open about the status of your business and what you're going to use the loan for, we can more easily determine the loan amount and term you should have. If you clearly show how innovative your business is, we can do that too. And if you show how passionate you are about your business, that rubs off on us too.

⚠️ Think about this when you're lending to businesses

  1. What do I need the loan for?

    This
    way you can bring the cost down and make it easier for yourself to pay back your business loan. Read more about borrowing responsibly.
  2. What will it look like in a few months or a year?

    Depending
    on the repayment period you have chosen, you should have a plan for how you will repay the loan to your business. If you have taken out a business loan for six months, you should also be able to pay back the full amount by then. In the end, being late with your repayments only affects you in terms of any unnecessary reminder fees and, in the worst case, debt collection demands.

    Be careful not to invest in high-risk projects or items. Want to see your own UC score or company credit report? With the help of credit reference agencies like UC or Creditsafe, you can find out your creditworthiness before you apply for a loan.
  3. Can you save up for part or all of the amount?

    Sometimes
    the boring answer is to save. Try putting some aside each month for a rainy day or for a day when that chance you can't turn down comes along.

Don't be an ostrich! Communicate!

If you have any problems paying the fee this month - get in touch!

It's much easier to change a repayment plan if we have that information. So don't bury your head in the sand and get in touch if you're having trouble sticking to the payment plan. Then we can always adjust the payment plan a little.

🏎 It goes fast!

Why are our loans fast? Firstly, it's quick to apply. All you need to fill in is the desired loan amount, email, mobile number and company registration number.

It takes about 1 minute to apply. Secondly, we're quick to let you know. If you apply during our opening hours, you will receive a reply within 1 hour. If everything looks good, you approve the offer with your BankID. Then we'll pay out your money the same day.

👍 It's easy!

Simplicity really goes hand in hand with speed. With us, you don't need to attach balance sheets, profit and loss statements, business plans and annual reports.

🔒 It's safe!

With us you can feel safe. You log in, sign and authorise via BankID. We take care of your data and use the same security solutions as the world's leading banks. All communication between Qred and your browser is encrypted with 256-bit SSL verified by Geotrust, a world leader in online security.

You can feel safe when you use Qred and see the green address bar - just like your bank. We also care about your privacy and only save the data that is necessary by law or to provide better loans to your business. We never store any passwords and you can contact us at any time to find out more.

😃 What can I use a loan for?

There are as many reasons why you might need a business loan as there are entrepreneurs in Sweden - very many! You might think that most people take out a loan to save their business when they're on the brink of ruin. It couldn't be more wrong.

Most companies that take out loans for their business with us do so to grow their businesses. Of course, there are different ways to do this, but here we list some of the most common uses:

  • Buying in stock for the high season
  • Buying tools or materials
  • Rental or purchase of premises or vehicles
  • Renovation
  • Paying invoices
  • Education and training
  • Market yourself online or offline
  • Hiring to grow
  • Rebuild your website
  • Liquidity to cope with periods of low income
  • Cash flow
  • Development

🚀 4 out of 5 jobs created by small entrepreneurs

As a small business owner, you may not be the one getting all the attention on the business news every night. We hear about Volvo, IKEA, H&M and other big Swedish companies. But the fact is that it is you small business owners who contribute most to welfare and the development of society.

4 out of 5 jobs are created by small entrepreneurs and the vast majority of Swedish companies have no more than 20 employees. In addition, you contribute social security contributions, employer's contributions, VAT and other taxes to society so that Sweden can continue to grow and be a successful country and stay at the forefront.

🤔 When should I not take out a business loan?

Perhaps you are about to test an untested product, service or market? We are small business owners ourselves and have many staff who are or have been entrepreneurs and will assess your business idea. During the phone call with us, we'll ask a few questions about why you need a temporary infusion of capital, etc. Especially if you are a start-up, how likely is it that your business will start generating revenue within a few months? This will help us to assess whether someone who has been working as an employed carpenter for several years, has now started their own business and can start generating income at a rapid pace. Often that person already has a network of contacts and craftsmen are an established and secure industry.

🧾 Record business loans

Vi får ibland frågor om hur man bokför ett lån från Qred. Våra lån är kortfristiga (d v s <12 månader) och ska bokas på ett 28-konto, t ex 2840.

The fixed monthly fee is therefore booked to an 84 account, e.g. 8420. A business loan from Qred is booked in the same way as a short-term bank loan. If you are unsure, you should consult an accountant or auditor. Find out more about the partners who can help you with your bookkeeping.

🥳 Qred is positive

We love small business owners and the impact you have on our community. 4 out of 5 jobs are created by small businesses, and those are the very businesses that keep society running. As entrepreneurs ourselves, we understand the challenges you face and that sometimes you need a temporary cash boost to get through off-peak or peak seasons, invest in equipment, inventory, staff, marketing or to pay taxes.

💡 Good to think about

1 . Write down why you need to borrow money for your business

The reasons for taking out a business loan differ greatly. However, we can divide the reasons into good and bad ones.

Good reasons are to cover a temporary need. It can be to invest money in machinery, employment, training, renovation, marketing or stock. They are simply investments that will generate a return that will allow your business to repay the loan.

Bad reasons include covering up a weak profitability or loss, without having a concrete plan on how to quickly turn the loss around. Another bad reason is to pay off other loans. The risk is that you will end up in a negative debt spiral. Never borrow more than you need.

2. Explore options

Bank loans to businesses are the first option most entrepreneurs think of. The problem is that traditional banks want to take very little risk and have old systems and procedures that are very costly. This means that small business loans are rarely a profitable business for the bank, which would rather lend hundreds of millions or billions to large companies. Unfortunately, lending money to businesses from the bank is more difficult than ever.

Factoring and invoice leasing can be an option if you have a lot of invoices and the payer has a good credit rating. If you are a small business that invoices other small businesses or individuals, factoring is more difficult and expensive.

Equity is a good option if you need money in the longer term and you are not yet up and running and can show stable cash flows. Bear in mind that the investor may be eligible for a tax deduction. The downside is that you are selling part of your business, and therefore part of your freedom and future profits.

Online business loans are a convenient and easy option if your business needs to borrow money and the amount is not very large. Applying for the loan is often very simple and you will receive a quick response. Qred, for example, promises an answer within an hour and disbursement on the same day.

3. Interest on loans to enterprises

The cost is very different, depending on who you ask. The interest rate is important, but the pitfalls are many. In addition to the interest rate, there are lots of costs that the various lenders add on. Here are things to watch out for.

Interest on corporate loans is normally expressed as a percentage of outstanding loans. The interest rate on small business loans varies widely, but is often 10%-20% per annum.

The origination fee is a fee that most lenders charge for originating a new loan. It can be up to 5% of the loan amount.

The notification fee is a charge for sending the invoice. It can vary between 30-60 SEK per month.

The early repayment fee is a fee that you are sometimes forced to pay if your company wants to repay the loan sooner than agreed. This can be a very large cost.

The application fee is a fee charged by rogue traders just for applying for a business loan.

Monthly fee is a fee charged by Qred every month. Qred has only a fixed monthly fee and no interest, no set-up fee, no early redemption fee, no application fee and no other hidden charges.

4. Make a repayment plan

Once you've explored the options, it's time to think about the next step - how to repay the loan. Make a simple calculation. There are lots of templates online, but unfortunately they tend to be difficult to understand. It doesn't have to be sophisticated, but it's important to think through your company's future situation. Make sure you have some margin in your calculations and consider the options. For example, what happens if you lose a customer or a project is delayed?

The better prepared you are, the more likely it is that your business will be granted a business loan and that your business will succeed in the future!

How do you increase your existing business loan with Qred? 

It's easy! Just call, email e(shown in the picture below) and fill in your desired loan amount and we'll try to find the best possible solution.

Easy extension of your loan via MyQred


Applying for an increased loan amount is free of charge, non-binding and you will receive a reply the same day. You'll get a reply by email and SMS and it will look just like the first time you took out a loan from us!

Do I have to wait until the loan is fully repaid to apply for an extension?

No, you don't have to wait until the whole loan is repaid. If you apply for an extension when you already have a loan, we will make an individual assessment of you and see if there is a possibility to increase, and how much you can increase. We usually like to see a few months of good repayment before we can consider increasing the loan.

What can I do as a customer to get an extended credit line?

We want to build good relationships with our customers based on trust and to get to a higher amount there are two things you can do. Paying back on time increases your chances of being able to extend, and adding a person to the loan.

Do I get two loans to keep track of if I get an extended loan?

No, the amount left to repay on your current loan and the amount paid out on the new loan are added together in the same loan. You get one invoice and it's easy to keep track! However, if you have another company, you can take out a loan for that company too.

Can I change the repayment period?

We do our best to always adapt to the needs of the client and we make an individual assessment for each application. Get in touch and tell us what you want and we'll look into it to make it as good as possible!

📱 Business loans online

A loan from Qred is fast, safe and easy!

There's no hassle with balance sheets, profit and loss statements, bookkeeping and other processes. For example, if you're a restaurant owner with a broken oven, you can't wait weeks for a loan to be approved and paid out.

Then speed is important for you and your business. Because you can quickly solve the problem and continue to make money.

As you sign with BankID and everything on our site is encrypted with a secure connection, you can rest assured that your data is handled securely.

It then takes just 1 minute to apply and you don't need to add any additional information or documents - unless you want to.

We'll call you for a chat about your business and the loan you've applied for. So you don't have to chase us - we'll call you!

After we've talked to you and approved a loan, you'll get a quote that you sign with BankID. If you are a repeat customer, you may be approved for a loan without having to talk to us. That's thanks to our algorithms and systems.

The offer is valid for 7 days and you can sign the offer at any time and receive the money - the same day!

Good, huh? 

See more

Qred in the media

Read news about Qred in our press room.

We are proud members of the Swedish FinTech Association.

We are proud members of the Swedish FinTech Association.

We are proud members of the Swedish FinTech Association.

We are proud members of the Swedish FinTech Association.

We are proud members of the Swedish FinTech Association.

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