Business loans with payout within 24 hours
A business loan of up to €500,000 for any company, regardless of sector or size. We are here for you!
Easy application process
Payout within 24 hours
No extra costs in case of early repayment
A business loan that matches your ambitions
From working capital to investment credit, we support all loan goals! Here's how a Qred Bank business loan can help you achieve your goals:
Business loan for projects
With a bridging loan, you can easily cover material costs or hire the best professionals so that your projects can go ahead without hassle.
Business loan for investments
Take your business to the next level by investing in new equipment, machines, or software. Everyone could use an update from time to time!
Business loan for unexpected costs
It happens to everyone! Cover incidental costs, such as repairs, tax bills, or an unforeseen shortfall in your budget.
4.6 out of 5
Our Trustpilot reviews speak for themselves. With Qred, you opt for speed and service. Learn why more than 50,000 entrepreneurs have chosen Qred as a flexible financing partner.
The TrustScore is calculated based on all Trustpilot reviews, taking into account authenticity, number, and star ratings. We invite all our customers to leave a review.
It has never been easier to apply for a business loan!
Are business loans complicated? Not at Qred Bank!
Qred makes corporate finance simple and accessible, without endless procedures or mountains of paperwork. No hassle, because you, as an entrepreneur, already have plenty to do with in your daily business. Here's how we do it differently:
No binding period
We understand how important flexibility is for entrepreneurs. That is why Qred offers the possibility to fully repay the loan at any time without additional costs. You decide how long you use the loan, not us.
Fixed monthly costs
Call us boring, but we don't like surprises. That's why our loans have fixed monthly costs. No unpredictability, but the same fixed price, every month. Simple and organized.
Paid out immediately
Entrepreneurs have no time to stand still. That's why we pay out our business loans within 24 hours. You deserve a loan that keeps you moving, so we've simplified our process so you can switch even faster.
Qred Bank's business loan
Qred Bank's business loans work exactly how you want them: fast, secure and convenient, with no obligations or hidden costs.
What is a business loan?
A business loan is a financial solution for companies that need capital to achieve business goals, such as improving cash flow or financing growth projects.
Types of Business Loans
There are different types of business loans. The most appropriate choice depends on your business and specific goals.
Large traditional banks
Some large traditional banks often require you to make an appointment with an advisor at a branch. This process can take a few days or even weeks before you receive a response, and the application process is often lengthy and complex.
Benefits of Qred Bank business loans
Not only do you get a personal and excellent service, but you also arrange everything, from the application to the payment of the money, completely digitally.
- Free and non-binding request.
- Response within one business day.
- All loans are paid out within 24 hours.
When is the best time to consider a business loan?
Various situations can justify a business loan. Whether it's dealing with a temporary economic crisis or investing and growing your business: whatever your motivation as an entrepreneur, Qred is there for you.
Business Loan Application Requirements
All Belgian sole traders, BVs, NvS, CVs, Vofs and the self-employed can apply for a business loan of up to €500,000 from us. We only have 3 requirements:
1. You must have a valid VAT number.
2. Your company has been in business for at least 3 months.
3. The company's management resides in Belgium.
It doesn't matter what sector your company is active in or how many employees there are. Qred assesses each application individually based on an advanced credit assessment. What is important to us is that there is a good and healthy business concept and that there are good people behind the company.
Documents required for a business loan
For each request, we ask for bank statements from at least the past three months as well as your most recent personal assessment note to confirm your identity.
For all non-sole traders, we would also like to receive a recent copy of the company's UBO report.
Business Loan Alternatives
There are different business loan alternatives, depending on your goals. If you have a lot of small, ongoing expenses, a credit card may be a good option. If it's more of a cash flow problem, factoring and selling invoices can be a solution. Some banks and lenders also offer overdraft payments. This can be useful if you're looking for solid emergency collateral.
How to find the best business loan
You usually use a “house bank”, usually a large traditional bank, for your personal finances (mortgages, accounts, insurance, etc.). Many entrepreneurs prefer to keep their personal finances separate from their business finances. At Qred, we offer personal and first-class customer service!
What should you consider when choosing a business loan?
There are many factors to consider when taking out a business loan.
- Don't borrow if you're already in too much debt.
- Don't borrow if you know you'll have trouble paying back.
- Don't borrow to make risky investments.
Qred business loans: no hidden costs!
Many banks and lenders charge start-up costs, administrative costs, early repayment costs and other hidden costs. Not with Qred!
We are a modern bank that strives to make life easier for small entrepreneurs by offering a fixed monthly amount as the sole cost of the loan. That's it.
Qred has been supporting entrepreneurial dreams since 2015
Qred was founded in 2015 by entrepreneurs, for entrepreneurs. Since our inception, we've been unafraid to challenge traditional banking and do it our own way: faster and easier. We are now active in seven countries and the market leader in business finance in Scandinavia.
In 2020, we launched our services in Belgium and have already helped thousands of companies with flexible business loans. Our team understands the unique challenges and needs of entrepreneurs, and we're proud of our status as one of the top-rated business lenders on Trustpilot.
0
2015
creation of Qred
0
.000
50
entrepreneurs supported
0
7
markets
This is how we guarantee a safe and smooth process: from application to money in your account
Signicat
Our customers can agree to an offer online via Signicat
itsme
Qred uses itsme as a verification method for entrepreneurs
Enable Banking
Our customers securely share their financial information via Klarna
Do you have questions?
Jesper, our Country Manager in Belgium, and his team have answered the most frequently asked questions here:
Who can apply for a loan?
All Belgian sole traders, BVs, NvS, VOFs and the self-employed can have a business loan up to €500,000 requests. We only have 3 requirements:
1. You must have a valid VAT number.
2. Your company has been in business for at least 3 months.
3. The company's management resides in Belgium.
It doesn't matter what sector your company is active in or how many employees there are. Qred assesses each application individually based on an advanced credit assessment. What is important to us is that there is a good and healthy business concept and that there are good people behind the company.
How much does a Qred business loan cost?
Qred does not use a standard rate, but evaluates each request for a business loan on an individual basis. Our team makes an overall credit assessment of whether an entrepreneur is able to meet future payments and see if the loan amount is commensurate with the company's size and turnover.
At Qred, you pay a fixed price for a business loan of up to €500,000 every month. This price consists of two parts: a fixed monthly price for using the loan (operating costs), plus a fixed monthly repayment on the outstanding loan amount (amortization). Add the two amounts together and you have your total monthly amount. The amount you pay in monthly usage costs and repayments is calculated based on the loan amount, loan period, credit score of a company and other factors.
Why a fixed price for a business loan?
We prefer a fixed monthly price, because this way you, as an entrepreneur, know exactly what is deducted each month. No complicated interest rates or a sudden increase in your monthly charges: but the same costs every month, clear and organized. With Qred, the monthly amount remains the same throughout the term of the business loan (unless you apply for a loan increase in the meantime and can borrow extra credit).
When will the loan be paid out?
Once you have signed your quote, we will transfer the money to your account within one hour. Depending on, for example, vacation days and differences between banks, the loan available in your account the same day or the next business day.
Contact Qred Bank
We are there for you on all working days between 9 a.m. and 5 p.m.
