Make more time with Qred's business loans
Pay back when you want
Same day payout
No hidden costs
A loan for your business that builds the future
You want to grow, we want to help you - it's that simple. That's why our business loan can be used for all kinds of needs. Here are some examples of how Qred Bank supports your big ambitions:
Business loans for your projects
We help you buy materials or hire staff to help you realize your bigger plans and projects.
Business loans for new investments
Future-proof your business by investing in new equipment, machinery or software - we all need an update sometimes.
Business loans for unexpected costs
It happens to us all! Cover unexpected costs such as repairs, tax payments or simply a gap in your cash flow.
"Thanks to Qred, we were able to lease our company car and pay salaries."
Joakim & Erik
Kvalitetsfog
Applying for a business loan has never been easier
Fast, flexible and easy
Why compromise when you can have it all? Our business loans offer maximum flexibility at no extra cost, are paid within 24 hours, and have clear monthly fees. And the best part? Pay back early at no cost. Qred business loans have no fixed term!
No binding time
We understand how important flexibility is as an entrepreneur. That's why Qred offers the option to repay the loan in full at any time during the term, with no extra fees. You decide how long you want to use the loan, not us.
Fixed charges
Call us boring, but we don't like surprises. That's why we keep the cost of our loans the same every month. No confusing variable rates, no unpredictability - simply the same cost. Every month. It's simple.
Your current loan
SEK 386 000
Salary
Suppliers
Rent
Other
Keep moving forward
No business owner has time to stand still, which is why we pay out our business loans within 24 hours. You deserve a loan that keeps you moving, so we've simplified our processes to help you get there faster. Let's get started!
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.
0
2015
Qred was founded
0
000
50
supported companies
0
7
Markets
Which solution suits you best?
Our business loan is not the only thing we offer! Get our business card Qred VISA, the best choice for your daily business purchases.
Interested in making your private money grow with a savings account covered by the government deposit guarantee? Try one of our high-interest savings accounts, perfect for growing your private money. Choose between fixed and variable interest rates.
1% cashback
Get more cards for your company - for free!
Save receipts digitally directly in the app
More flexibility
with Qred VISA business cards
Discover our business credit card: endless possibilities, with no extra costs. Save money on everything you buy with Qred VISA and our cashback. Join tens of thousands of others and get the Qred VISA today! By the way, you know it has no annual fee, right?
Fixed or floating interest rate
Get interest from the first SEK
State deposit guarantee
Get a high savings rate
at Qred Bank
Help us help small business owners by saving with Qred Bank. Open a savings account that is covered by the government deposit guarantee with a high savings rate! It only takes a few minutes. We offer different types of savings accounts with both unbound (floating) and tied (fixed) interest.
That's how we make the process both safe and smooth - from the application to the money in your account!
BankID
We use BankID for quick, easy and secure identification and signing.
Trustly
We use Trustly for fast and secure transfers to your bank account.
Finansinspektionen
Qred Bank AB is supervised by the Swedish Financial Supervisory Authority and is licensed to conduct banking operations.
Do you have any questions?
Rushi, our Country Manager for Sweden, and his team have answered frequently asked questions here:
Do you take credit report (UC) on the customer?
Of course we do. We carry out a thorough credit assessment of each application received.
We take UC on limited companies. We also take credit information on representatives of the company at our partner Creditsafe. The difference between Creditsafe and UC on private individuals is that with Creditsafe, no one else can see that we have made an inquiry. Credit information from Creditsafe does not affect your creditworthiness with the bank. The credit report gives us the necessary information to be able to give you and your company a good business loan.
I don't have a Swedish bank. Can I get a business loan from Qred?
No, you must have an account with a Swedish bank in order to get a business loan from us.
How much does it cost?
We apply a fixed monthly fee that is determined individually for each individual company. In addition to that, we have no setup fees, start-up costs or other hidden fees. You will find out how much the fixed monthly fee is when you have made an application. It takes 1 minute, is free of charge and non-binding.
What does it take to get a business loan?
We make an overall assessment of each application. The most important thing is the company's ability to handle future payments and that the amount of the loan is reasonable in relation to the size of the company. Unfortunately, we sometimes have to turn down applications. Then the most common reasons are to:
- The company or representatives have not managed their finances and have many payment notes or an active debt balance. Single payment notes are not an absolute obstacle and we always try to look at the whole when handling the company's application.
- The information provided is not correct or deficient.
The company's ability to pay is uncertain or cannot be displayed. Read more under security and borrow responsibly.
How do I apply for a business loan?
It's easy to apply for a business loan and only takes 60 seconds. In addition, it is free of charge. You'll get started with 3 easy steps:
- Fill in the application (desired amount, corporate identity number, e-mail and mobile number). The application is free of charge and not binding.
- Send any additional information. Loan statements are usually given within 1 hour during normal business hours.
- You decide whether you want to proceed after receiving a loan notification. Once you have approved the loan with your BankID, the money will be paid out within an hour.
Contact Qred Bank
We are here for you every weekday between 8:00 and 17:30.
Page written and fact-checked by
Rushi Gupta
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.
