Are you looking for quick financing for your Belgian company? With our business loan, you can receive financial support faster than ever before. Simply submit your application online and receive a decision within 24 hours. Whether you're looking to expand your business, need new equipment, or cover unexpected costs, our flexible solution supports the progress of your business. Invest in your success today and see your business thrive with the right support at the right time. Take the next step in growing your business — apply for your business loan now!

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What is a business loan?

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

Types of Business Loans

There are various types of business loans available. Depending on your business and needs, some types of loans may be a better or less suitable fit.

Online business loans

At Qred, we offer online business loans. 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 submit a request 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 major banks

The traditional major banks still have local bank offices where you need to make an appointment to meet an advisor. It can then take several days or even weeks to get an answer, and the application process is often also very time-consuming.

Benefits of a Qred business loan

In addition to getting world-class personal service, you can do everything from requesting to getting the money into your account completely digitally - within a few hours!

• No start-up costs
• No binding period
• Free and non-binding request
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When should you consider a business loan?

There are various situations where you can consider a business loan. It could be to bridge a temporary dip or invest in something that will create growth in your company. Whatever your reason as an entrepreneur, Qred is here for you.

How does the business loan application process 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 employee will contact you with a few follow-up questions or an offer. The money is paid out the same day you sign the offer. Ready!

Requirements to apply for a business loan

You must be a Belgian citizen, have a Belgian bank account number and live in Belgium.

Business Loan Documentation Required

When you submit an application to us, we perform credit checks and start collecting documentation automatically. However, you can always choose to attach documents directly to the application or manually submit them later.

Interest and costs for the business loan

At Qred, we want to make it as easy as possible. That is why we opted for a fixed monthly fee as the cost of the loan. So you know exactly what you have to pay each month. In addition, we have no start-up costs or other hidden costs for early repayment or the like. We even encourage you to pay back early! That is why our loans do not have a binding term.

Common interest rate types for business loans

Other common interest types and business loan costs may include start-up costs at the beginning of the loan period, administrative fees, and other types of interest or hidden costs that are good to be aware of.

Business Loan Alternatives

There are various alternatives to business loans. This depends entirely on you and your business needs. If you have a lot of small, daily expenses, a business card can be a good alternative. If it's more a matter of cash flow, factoring and selling invoices can be a way to go. There are also a few banks and lenders that offer overdraft. This can be good if you want a safe security that you can use as needed.

How to find the best business loan

People usually have a “house bank”, often one of the traditional major banks, for their private finances such as mortgages, accounts, etc. Many people like to separate private finances from corporate finances. That's where we at Qred can offer world-class personal service!

What to compare when choosing a business loan

There are many things to consider when taking out a business loan. Calculate the costs of the 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 speculate on risky investments.

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