A word from the CEO

Every business needs a little extra help from time to time. It could be a loan for expansion, a credit card to manage day-to-day business expenses or invoicing services to free up capital before the end of the month. We want it to be easy, fast and secure to access the right type of business finance. That's why we started Qred in 2015. Now, several years later, we've expanded into multiple markets with an even sharper and broader product offering of services that give small business owners the chance to access the same financing as larger companies.  

For four years in a row (2020 - 2023), we have been named one of Sweden's fastest growing companies by the Financial Times. To date, we have issued more than SEK 10 billion in loans to the smallest companies. This is money that comes in handy - many of our customers are often without traditional bank financing, even though they are run by careful and skilled entrepreneurs.

Qred offers loans, credit cards and invoicing services to small businesses in the Nordic countries, the Netherlands, Belgium and Brazil. Our business loans are aimed at the smallest businesses where funds are most needed and the amounts are relatively small (up to SEK 2 million), and the loans are normally repaid within 24 months. By limiting loan amounts and credit periods, we keep the risk down, while helping even more small businesses.

Qred VISA, our proprietary credit card, is the first of its kind as it is designed specifically for small businesses. The card is free of charge and the credit limit is set specifically for each applicant company.

Thanks to our access to data combined with our unique scoring model, we are well placed to understand and manage credit risk in our business. Our large and diversified customer base reduces the risk of large swings in the business. Our digital and automated systems are fully scalable, providing significant economies of scale. All this has led to very strong growth combined with good profitability. We look forward to helping even more small business owners both in Sweden and abroad for many years to come.

Welcome to Qred!

Board of directors

Mattias Carlsson
Chairman of the Board

Chairman of the Board since 2023.M.Sc.
Engineering Physics (Uppsala University).
Former CEO of TF Bank and board member of Hoist Finance.

Emil Sunvisson

CEO and co-founder.
MBA (SSE), M.Sc. Mechanical Engineering (KTH).
Former CEO at Cherry.

Jason Francis

Board member since 2015.
MBA (SSE). MA Econ (Duke University).
Former Nordic Strategy Manager at Trygg Hansa.

Caroline Farberger

Board member since 2023.
M.Sc. Electrical Engineering (Chalmers).
Board member of MM Holding AB and Översta Förmedlingsbolaget AB.

Sean Cory

Board member since 2021.
BA Econ (University of California)
Managing Partner Malaysia at Oliver Wyman.

David Samuelson

Board member since 2021.
M.Sc. Economics and Business Administration (SSE), ESADE (Barcelona).
Managing Director at Nordic Capital.

Sebastian Wohlgschaft

Board member since 2022.
M.Sc. Accounting and Finance (The London School of Economics).
Investment Director at Nordic Capital.

Executive management

Emil Sunvisson

CEO and co-founder.
MBA (SSE), M.Sc. Mechanical Engineering (KTH).
Former CEO at Cherry.

Jason Francis

Board member since 2015.
MBA (SSE). MA Econ (Duke University).
Former Nordic Strategy Manager at Trygg Hansa.

Thomas Jansson

Chief Growth Officer since 2021.
M.Sc. Accounting (Turku Academy).
Previously COO at Tact Group.

Kristoffer Straume
Chief Financial Officer (CFO)

Chief Finance Officer since 2023.
M. Sc. Financial Mathematics (KTH).
Former Head of Treasury at Skandiabanken.

Jenny Arvidsson

Chief Legal Officer since 2017.
Juris Doctor (Santa Clara University School of Law).
Previously Associate at Bird & Bird and Attorney at Pillsbury Winthrop Shaw Pittman.

Björn Bondén

Chief Credit Officer since 2022.
M.Sc. Industrial Engineering (Helsinki University).
Previously Pricing & Capital Planning at SBAB.

Marcus Uggla

Chief Product Officer since 2021.
M.Sc. Accounting and Financial Management (SSE).
Former Senior Product Manager at Klarna.

Lezgin Bakircioglu

Chief Technical Officer since 2022.
M. Sc. Information Technology (KTH).
Previously Innovation & Security Manager at Daniel Wellington.

Amanda Gormaz

Chief HR Officer since 2024
B.Sc. Human Resource Management (Stockholm University).
Previously CSR coordinator at Academic Work.

Dhanush Raja Lakshmanmurthy

Chief Marketing Officer since 2024.
M.Sc. Business Informatics (J Cook University).
Previously Product & Brand marketing at Zettle.