Business loan within 24 hours

Fast, clear and flexible business loans for small and medium-sized businesses.

Get a free quote

The quote is completely without obligation.

An entrepreneur repairs a car in a garage with tools, which he financed with a business loan from Qeld.
A happy entrepreneur renovated his store with a business loan.
A construction worker next to an excavator, which he purchased with a flexible business loan.
Same-day transfer of your loan!
Transparent costs
Pay back when you want

What can you use a business loan for?

You can use a business loan for all business purposes: from working capital to investing in growth.

Hiring staff

New tools or equipment

Working capital

Business loans up to

Qeld's business loans are designed for small and medium-sized businesses. We provide business loans from €1000 to
€200.000 - perfect for investing in the future of your business!

About Qeld

Our history

Qeld was founded in 2015 by entrepreneurs for entrepreneurs and is one of the fastest growing fintech companies in Europe, according to the Financial Times. Qeld has shown profitable growth from the start and is the market leader in Scandinavia with the most satisfied customers in the Netherlands, according to Trustpilot.

With offices in the Netherlands, Belgium, Sweden, Finland, Denmark, Norway, Germany and Brazil, Qeld Hundreds of thousands of loans to small businesses. Thanks to a fully automated and proprietary credit scoring system, Qeld Providing business owners with the support they need to grow quickly and competitively. In our other markets, we are called Qred.

Man som håller i ett stort Qred VISA
A chef tells how he used a business loan to keep his business afloat.
Qeld helped me keep my head above water during a difficult period.
Two entrepreneurs show the tools they were able to purchase with the help of a business loan.
Thanks to Qeld , we were able to lease our company car and pay salaries.
Entrepreneur Kenny explains how he received an attractive offer for a business loan.
Qeld sent me an attractive business loan offer the same day.

It is that simple

Apply in just 1 minute

Fill out your application quickly and easily to receive a free, non-binding offer for your business loan.


Response within a day

We will respond to your request within an hour. You will receive your personalized quote via email.


Sign with iDIN

If you agree to our offer, you can easily sign it through your bank. You will receive the money within one hour.


Non-binding loan term

When you no longer need the loan, you can pay it off in full anytime at no extra cost!

Apply for a business loan

Transparent costs

At Qeld , you pay a fixed monthly fee each month for using the loan, plus a fixed monthly repayment on the outstanding loan amount. So you know exactly what the business loan costs. The user fees are determined individually according to the loan amount and the creditworthiness of your company. Curious about what your exact monthly costs will be? Receive your personal, non-binding quote here.

Fixed monthly price
No hidden costs
Non-binding loan term

Frequently asked questions:
business loan

How much does a business loan cost at Qeld?

At Qeld , you pay a fixed monthly fee each month for using the loan (user fees), 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 monthly in fees and repayments is calculated based on the loan amount, the loan period, the company's credit score and other factors. Curious about what we can offer you? Simply submit an application and we will get started with a free quote for your business loan! Our quote is always personal - and more importantly, always without obligation! You decide whether you accept our offer or continue to look for suitable financing to realise your ambitions.

Why a fixed price for a business loan?

We prefer a fixed monthly price, because that way you know exactly what will be debited each month. You never have to worry about complicated interest rates or a sudden increase in your monthly costs. At Qeld, the monthly amount remains the same for the entire term of your business loan (unless you apply for a loan increase in the meantime and want to borrow extra credit).

Are there any hidden costs?

No. At Qeld we are completely transparent about our prices and conditions. At Qeld you pay a fixed monthly fee for using the loan and a standard monthly repayment. Add the two amounts together: this is the total monthly cost.

Qeld does not work with varying interest rates or hidden costs, only a fixed monthly cost and amortisation. This enables our Qeld customers to know exactly where they stand every month. Do you want to repay the loan early? This is also possible without extra costs. This way, you only pay for the period you actually need the loan! Smart!

Who can apply for a business loan?

All Dutch entrepreneurs, large and small, can apply to us for a business loan, including BVs, NVs, VoFs and ZZP'ers. The only hard requirements we set are that the company is already registered in the Trade Register of the Chamber of Commerce (valid Chamber of Commerce number) and that the management of the company is resident in the Netherlands. It does not matter in which sector the company is active, how long the company has existed or how many employees there are: Qeld evaluates each application individually based on an advanced credit assessment.

We give all entrepreneurs a chance!

What does Qeld offer entrepreneurs? 

  • Business loans from €1,000 to €200,000
  • Applying for a loan is completely non-binding
  • No hidden costs
  • No start-up fees
  • Flexible loan term from 6 to 18 months
  • Repayable at any time without extra charge

When is the business loan transferred?

Upon digital signing of the contract, we try to transfer the business loan the same day (if the loan application is approved and signed before 5 p.m.).

Please note that transferring the loan does not mean that the amount is automatically visible in your account. We are dependent on banks and systems to process our payments. For most customers, the money is available in the account the next business day, but it may take a little longer to receive your funds due to the processing time of the bank.

Will you request/receive credit information about me?

Yes, in order to assess your loan application appropriately, we use credit information obtained from reputable credit rating agencies. This concerns credit information on both personal creditworthiness and that of the applicant's company.


Qeld supports all lending goals! Still have questions about business loans through Qeld? Then contact our friendly team of experts! We are here for you at:
08.00 - 17.00 (Mon to Fri)