Advice Bureau in cooperation with Qred

How does it work?

It is quick, safe and easy to apply for a business loan with Qred.

It takes only 1 minute, is free and non-binding.

You'll receive a message within 1 hour, sign with your BankID and the money will be paid out the same day.

✔️ Business loans up to €5,000,000

✔️ Application is not binding

✔️ Fixed monthly fee

✔️ No binding time

✔️ Always personal service

Select a product below

The application is free and you do not commit to anything.

Apply in 1 minute

Applying for a loan for your business is quick. It is free of charge and the application is not binding.

Offer within 1 hour

After applying, we will contact you within 1 hour and you will receive a offer by e-mail and SMS. Use BankID to authorize.

Same day payout

Once you have approved your business loan, we will pay out the money on the same day.

This is Qred

Sweden's most satisfied customers

We would have liked to have told you more about our fast processes and our personal service. But we would rather have our thousands of satisfied customers speak for us!

Robert, Kaffebaren

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

Kenny, The Good Gringo

Kenny, The Good Gringo

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

Joakim and Erik, Kvalitetsfog

Joakim & Erik, Construction contracters

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

Whatever you need your loan for, Qred will help you with a smooth and flexible loan! From working capital to new equipment - we support you no matter what.

Personalized service

Our amazing customer team is there to help you every step of the way.

Fixed price

Each month you pay the same fixed fee for the loan. We have no interest or other costs.


Business loans have no fixed term. If you want to repay the loan earlier, there is no problem. You only pay for the months you have the loan.

No hidden fees

Transparency is one of our core values at Qred. We have no hidden fees or surprises. Corporate loans should be fair and simple.

Frequently asked question

What is the interest rate for the business loan?

The cost of borrowing money and the lender's return on lending. There are fixed and variable interest rates, just like for other loans. At Qred, we don't charge interest. We have a fixed monthly fee.

So our loans do not have a separate interest charge. A fixed monthly fee is paid each month as the cost of the loan. No other fees are added. The fixed monthly fee is individual and is based on your Qred Score. The company's Qred Score is based on many parameters and we make an overall assessment of each application. The loan has no binding period, start-up fees or other hidden fees.

More on how the interest rate on business loans is determined

The pricing of business loans, i.e. the interest rate and fees the company has to pay, is set by lenders such as banks and financial companies.

There are hundreds of lenders on the Swedish market. To find the right lender for your business, you need to understand how they work. We have made an illustrative example:

The Dinosaurs - These are traditional lenders who essentially only care about one thing: What assets can be pledged as security for the loan that the lender can seize in the event that the company cannot repay the loan? For example, if your company wants to borrow SEK 500 thousand, you need to pledge, for example, a house worth at least 600 thousand. Pledging is done through mortgage deeds and business mortgages.

Being a dinosaur in the loan market is a successful strategy and has worked for thousands of years. The problem is that it completely fails to assess the viability of the company and its business idea, which excludes a large proportion of Swedish entrepreneurs from the loan market. Sadly, many Swedish banks still act like dinosaurs.

The calculators - There are many factors that come into play when assessing the likelihood of a company's ability to repay its business loan. For example, statistically speaking, the risk of lending money to new companies is greater than to old companies. A company with a payment remark is a greater risk than a company without. And so on. The mathematicians have analyzed hundreds of factors and believe they can assess the risk of each company by analyzing hundreds of parameters. By automating the whole process, the manual cost can be reduced and even small loans become profitable.

Broadly speaking, the parameters can be divided into four different categories:

Company stability
  • Activities in number of years
  • Seasonal variations
  • Dependent on the economic cycle
  • Customer dependency
Key financial indicators
  • Turnover
  • Profit
  • Growth
  • Profit margins
Payment history
  • Payment practices
  • Defaulting on payments
  • Debt balance or seizure
  • History of representatives
Cash flow and liabilities
  • Size of the debt
  • Type of debt and loan
  • Debt trend
  • Debt to turnover ratio

The Realists - This is the new generation of lenders. Unlike banks, they do not have a large cost base of staff and bank branches, but can handle a large amount of small loans by using digital technology.

Unlike the dinosaurs, there is no emphasis on traditional collateral, but instead a qualified assessment of the business model and the person or persons behind the company. Modern lenders such as Qred always perform a manual final assessment where factors such as the entrepreneur's experience, drive and skills are taken into account in the overall assessment. As a result, the new realists are able to provide loans to businesses that wouldn't have been able to borrow from either the dinosaurs or the calculators, while keeping the rate of bad payers low.

How much can I borrow?

Qred offers loans from SEK 10 000 to SEK 5 000 000. Make an application to find out what you can borrow.

What are the costs of a business loan from Qred?

Qred does not have a standard interest rate, but we make individual assessments for each business - we offer them a personalized offer that best matches their needs. Qred offers full transparency and loan terms that are easy to understand. For example, we have no start-up costs, no hidden fees and we don't work with lock-in periods. Instead, customers have the option to repay the loan in full at any time, giving entrepreneurs the opportunity to stay in control of their finances.

What do our customers pay each month? We charge a standard fee for our loans (based on the duration of the loan, individual credit rating and amount) combined with a standard amortization. Combine the two (service + amortization) and it's the usual monthly payments with no unexpected surprises. Clear, simple and transparent: that's why smart entrepreneurs choose Qred for business loans and financing.

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:

  1. Fill in the application (desired amount, corporate identity number, e-mail and mobile number). The application is free of charge and not binding.
  2. Send any additional information. Loan statements are usually given within 1 hour during normal business hours.
  3. 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.

How do I pay back?

You can easily pay by following the instructions on the invoice we have sent you. If you are unsure how much to pay, what date applies or similar, you can log in to My Pages.

If you have any questions, you can always call us on 020-150 333, email or chat with us here on the website. We are open Mon-Fri between 07:00-17:30.

What is Qred?

Qred is the new way to borrow money and get financing for your company. All Swedish companies can apply for loans up to SEK 2,000,000 without having to go to the bank. Normally you will receive a notification within an hour and we will pay out the money on the same day. You pay a fixed amount each month with no hidden fees and you can repay the loan at any time without additional fees (you only pay for the months you have the loan). The monthly fee is individual and depends on your qred score. For each month started, you pay back on the loan, the so-called amortization,and the fixed monthly fee.

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