Borrow responsibly

We at Qred have developed a policy to avoid companies putting themselves in a situation where you cannot repay your debts. Below we describe how best to use a business loan, when to refrain from taking out a loan, and what happens if you are unable to manage your commitments.

We combine speed and simplicity with responsibility

Fast and easy business loans online are a relatively new service on the Swedish market. This means that companies no longer have to go to the bank or to friends and acquaintances to borrow money. The application is simple and only takes a few minutes, and the money is usually paid out already on the same day. The service has been highly appreciated and is available for small companies that want to become large companies.

We always do a thorough credit assessment

We make a detailed credit report for all applications that we weigh together with external information from different sources with possible internal information and previous loan and payment history. As a result, we can make a better assessment of the borrower in order to avoid getting into difficult situations.

We only lend money to companies

We only target companies and never private individuals. We do not require any collateral from the company, but require personal bail from all new customers.

We set a reasonable loan ceiling

We set individual limits on how much each company can borrow. Depending on how your business develops and depending on how you manage your payments, the loan cap may change.

We ask you to think twice before borrowing money

Qred AB applies responsible lending. Of course, you need to think twice before applying for a loan, whether it is a small corporate loan from Qred AB or a larger loan from a bank. There are many good reasons for taking out a business loan, but there are situations where you should avoid taking out a new loan. If you follow these simple rules, you avoid many risks.

• 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.