Non-UC loans for businesses
No UC on you as a private individual
UC on limited liability companies
Creditsafe for individuals
Business loans without UC for small businesses
Getting a business loan without UC is virtually impossible. At least if you have a limited company as it is the most common credit report. In some cases, you can use Creditsafe, Bisnode or other credit reports, but then it is usually only to get a report on a private person.
At Qred, we use credit reports from UC on all limited companies, but a report from Creditsafe on you as a private individual. This is because we do not want to burden your credit rating more than necessary.
How can I get a non-UC loan for myself as a private individual?
Simple! You make a free and non-binding application with us at Qred. Here's how it works:
- Application takes 1 minute
- You will be notified within 1 hour
- The money is paid the same day
The loan has also...
- No binding time
- No entry fees
- No hidden costs
Keep in mind that if you have a limited liability company, a credit check will be carried out by UC on your business.
Qred offers business loans without using UC (Upplysningscentralen) for credit checks, which can be beneficial for those who want to avoid their credit rating being affected. These loans are available for amounts from SEK 50,000 up to SEK 5 million and are intended for all small businesses, including sole traders, limited companies and partnerships. The loans have a fixed monthly fee, no commitment period, and do not require financial statements to be attached to the application. The application process is fast with the possibility of getting a response within an hour and the money can be transferred the same day if the loan offer is accepted. This can be an attractive option for businesses that need quick financing without complex requirements.
Are you a small business owner looking for funding and want to avoid having your credit rating negatively affected by a UC credit check? Then you have come to the right place. Find out more about business loans without UC here.
What should you consider about UC when applying for a business loan?
UC (Upplysningscentralen) is one of Sweden's leading credit reference agencies and is used by many lenders to assess your creditworthiness. When you apply for a loan and UC requests a credit check, that request is recorded on your credit report. If you have multiple inquiries within a short period of time, it can lower your credit score and make it harder to get approved for loans in the future.
For small business owners, a healthy credit rating is crucial, which is why it can be tempting to look for non-UC business loan alternatives.
However, they can often be rogue lenders who do not have hidden costs or other high fees for the loan. Take it as a sign of health that your lender or bank wants to make an informed decision and adapt the credit to your circumstances.
What type of financing is best for you?
Qred Bank offers a business loan for larger and longer-term investments or a business card for everyday purchases. Choose the one that suits you best right now - or why not both?
Quick application
Payout within 24 hours
No binding time
Loans to generate growth or for temporary slumps
Borrow from SEK 50,000 up to SEK 5 million without a fixed term. From 1 month up to 36 months and pay back early whenever you want - at no extra cost! A loan that is just as good for solving temporary slumps as for creating growth.
1% cashback
Get more cards for your company - for free!
Save receipts digitally directly in the app
More flexibility
with Qred VISA
Discover our business credit card: endless possibilities, at no extra cost. Save money on everything you buy with cashback. Join tens of thousands of others and get the Qred VISA today! By the way, you know it has no annual fee, right?
Qred has been redefining business finance since 2015
Founded in Sweden in 2015 by entrepreneurs for entrepreneurs, Qred has quickly become the premier bank for flexible business loans. Qred is now the market leader in the Nordics and also operates in the Netherlands, Germany, Belgium and Brazil.
Our team understands the challenges and needs of entrepreneurs, and we are proud to be one of the highest rated banks for businesses on Trustpilot.
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Page written and fact-checked by
Rushi Gupta
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Country Manager Sweden
Qred Bank AB
Rushi is responsible for the Swedish market at Qred Bank and is an expert in corporate finance and entrepreneurship. Educated at Linköping University and holding a Master of Science in Industrial Economics, Rushi has a broad experience from P&G, Centigo and later as team lead at Trustly and Head of Data Insight at Schibsted before joining Qred Bank.
