Grow your business with financing from Qred Bank

Loans up to €5 million
Same day payout
No binding time
Fixed monthly fee and no hidden charges

Get a free offer

How much would you like to borrow?

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

Robert, Kaffebaren in Gnesta

Robban, The coffee shop in Gnesta

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

Joakim & Erik, Kvalitetsfog

Kvalitetsfog in Stockholm

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

Kenny, The Good Gringo

Kenny from The Good Gringo

How can a business loan from Qred Bank help you and your business?

A business loan can help your business, whether you want to invest in growth or need working capital.

Hiring more staff

Invest in machinery
and tools

When you need more working capital

SEK 10,000 up to SEK 5 million

Qred Bank offers business loans to all small businesses, whether you have a sole trader, limited company or partnership. Our loans can meet your business needs small and large, with loan amounts ranging from SEK 10,000 all the way up to SEK 5 million! Apply today and get an answer within an hour.

Transparent terms
Same day payout
No binding time

About Qred Bank

Our History

Founded in 2015 by entrepreneurs for entrepreneurs, Qred Bank is now Sweden's fastest growing fintech company, according to the Financial Times. Qred has delivered profitable growth from the start and is the market leader in the Nordics with Sweden's most satisfied customers, according to Trustpilot.

With operations in Sweden, Finland, Denmark, the Netherlands, Belgium, Norway, Germany and Brazil, Qred has issued hundreds of thousands of loans to small businesses. A fully automated and proprietary credit scoring system enables Qred to quickly and competitively provide business owners with the support they need to grow.

Man holding a large Qred VISA business card

The bank that makes life easier for small businesses in partnership with


Qred Bank AB is supervised by the Swedish Financial Supervisory Authority and is licensed to conduct banking operations.

Swefintech logo

We are proud members of the Swedish FinTech Association.

Swedish Franchise Association logo

We are partners of the Swedish Franchise Association, which is an industry organization for franchising.

BankID logo

We use BankID for fast and secure identification and signing.

Swedish Federation of Small Businesses

The Swedish Federation of Small Businesses is an organization for Swedish small business owners.

How does it work?

Our process is different from other banks

Apply in 1 minute

Fill in a quick and easy application to get a free and non-binding loan proposal for your business.


Get answers within an hour

After you apply, we'll get back to you within an hour. You will then see your company's specific loan offer and what the monthly fee will be.


Money in your account on the same day

If you choose to accept the offer, you simply sign with your BankID and receive the money in your account the same day!


No binding time

If you no longer need the loan, you can repay the full amount at any time without extra costs.

Why should you choose Qred Bank?

With a business loan from Qred Bank, the only cost of the loan is a fixed monthly fee and no hidden charges. The monthly fee is determined individually based on the size of the loan and your company's creditworthiness. To see what your monthly fee will be, fill in a non-binding loan application. Should you accept the offer, you can have the money in your account within one business day.

Fixed price and no hidden fees

Same day payout

No binding time

Frequently asked question

How much does a business loan cost?

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

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 working capital or invest to grow, we're here for you. Apply and digitally sign your offer and you'll get the money paid out the same day!

Do you take UC when applying for a business loan?

We do not take a credit report via UC on you as a private person. However, we do take a credit report through UC if you are applying with a limited company. Otherwise, we always use Creditsafe. This is a microcredit report that does not negatively affect your creditworthiness as a private individual, as it is only shared with you and Qred.

Contact us

Get in touch and let us know how we can help you and your business!
08:00 - 17:30 (Mon-Fri)
020-150 333

Estimated waiting time:
Less than 1 minute

Estimated response time:
Less than 24 hours
Chat with us!

Estimated waiting time:
Less than 1-2 minutes

More of our services

Not sure if a business loan is right for your business? Check out our other services and products.

Business loans for small businesses

Business card

Get 1% cashback

Get more cards for your company - for free!

Save your receipts digitally directly in the app

A green corporate card representing the Qred VISA

Savings account - For individuals

Choose between fixed and variable rates

State deposit guarantee

Currently, the variable rate is 4.2%.

What are business loans?

A business loan is a financial solution for companies that need capital (money) to cover various needs. 

Types of business loans

There are different types of business loans. Depending on your business and needs, different types of business loans may work better or worse. 

Business loans online

At Qred, we offer business loans online. 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 make an application on our website and you'll get an answer within an hour. The money is paid out the same day you sign the offer - completely digitally!

Traditional big banks

The traditional big banks still have local branches where you have to make an appointment to meet an advisor. Then it can take several days or even weeks to get an answer and the application process is also often very time-consuming. 

Advantages of a business loan from Qred

In addition to a world-class personalized service, you can do everything from applying to getting the money in your account completely online - within hours! 

  • No entry fee
  • No binding time
  • Free and non-binding application

When to consider business loans?

There are several different situations where you can take out a business loan. It can be to cope with a temporary slump or to invest in something and create growth in your business. No matter what reason you have as an entrepreneur, Qred is here for you. 

How does the application process for business loans work?

With us at Qred, it's as easy as ordering a book online. Fill in your details such as desired loan amount, contact details, etc. It only takes a few minutes. Within an hour, an agent will contact you with some follow-up questions or a offer. The money is disbursed the same day you sign the offer. Done!

Requirements for applying for a business loan

You must be a Swedish citizen, have a Swedish bank account and be resident in Sweden. 

Documentation required for the business loan

Once you have submitted an application to us, we take credit checks and start collecting documentation automatically. However, you can always choose to attach what you have directly to the application or choose to submit it manually at a later stage.

Business loan interest rates and fees

At Qred, we want to make it as simple as possible. Therefore, we have chosen to have a fixed monthly fee as the cost of the loan. So you know exactly what you will pay each month. We also have no start-up fees or other hidden fees for early repayment or similar. In fact, we encourage you to pay back early! That's why our loans have no lock-in period. 

Common interest rate types for business loans

Other common types of interest rates and costs for business loans may include set-up fees at the beginning of the loan period, administration fees and other types of interest rates or hidden costs that you may want to be aware of. 

Alternatives to business loans

There are several different options for business loans. It all depends on what you and your business needs are. If you have a lot of small and everyday expenses, a business card can be a good option. If it's more a question of cash flow, factoring and selling invoices may be the way to go. There are also a number of banks and lenders that offer line of credit. This can be useful if you want to have a safe security that you can use when needed. 

How to find the best business loan?

Most people have a "house bank", usually one of the traditional major banks, for their private finances such as mortgages, accounts, etc. Many people find it nice to separate their private finances from their business finances. At Qred, we can offer a world-class personalized 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 many debts.
  • Do not borrow if you know you will have difficulty paying back.
  • Don't borrow to make opportunistic investments.
See more