Business loans for startups

Why startups are rejected by banks

Maybe you're thinking about starting a business? Or maybe you've just started a new business? Unfortunately, borrowing money from the bank for a start-up is not easy. First, the risk is highest in the beginning, before the business is well and truly started, and second, the amounts are quite small. The bank likes low risk and lends large amounts to large companies. It is just not worth the bank's time to spend on start-up businesses.

What is a start-up?

A start-up is a company that has not yet incorporated or filed its first financial statements. Some banks even require three sets of accounts to keep a company from being considered a start-up. At Qeld , we think this is wrong because the first three years of a business are the most difficult. That's when you may need temporary capital injections to grow.

Starter Loan - A business loan to start your own business

Before you apply for a business loan, you need to have done your homework. What will your business do, how much money do you need to get started? How much can you pay back per month? Think about this carefully so you apply for the right amount and can clearly explain how you will repay the loan.

What type of loan is best for startups?

• Traditional bank loans are best suited when the business is already more advanced and there is an established cash flow.
• Qeld business loans are suitable if you have a temporary liquidity need. Qeld is one of the few providers of loans to startups.
• Equity is appropriate when there is great potential for the company's increase in value if it succeeds, but there is a high risk that it will take longer than planned.

How much does a business loan from Qeld cost ?

At Qeld we don't work with standard rates, because no company is the same. That's why we always make you a personalized offer. This offer is a fixed monthly price that consists of two parts: user fees and repayment. So you know in advance exactly what the loan will cost you each month.

Who can submit an application?

All entrepreneurs, large and small, can apply for a business loan at Qeld . The only conditions we set are that the company is already registered at the Chamber of Commerce and that the owner lives in the Netherlands. Discover now how much you can borrow and submit your application!

What can I use the loan for?

You can use our business loan for all business purposes! From working capital and inventory to new equipment, commercial vehicles, machinery and more. We support all investments in your future. Get a business loan from €5,000 to €500,000. No start-up costs or fixed term.

How much money can you borrow as a beginning entrepreneur? 

As a beginning entrepreneur, you can apply for a business loan from €5,000 to a maximum of €500,000 at Qeld, part of Qred Bank. The exact loan you can receive depends on your business plan, financial situation, turnover and growth potential. At Qeld we understand that start-up entrepreneurs need fast and flexible financing without long-term commitments so they can realize their business ideas.

With our simple application process, you as a startup can apply within minutes and, once approved, the amount will be in your account within 24 hours. This allows you to invest immediately in such things as inventory, marketing, new machinery, materials or personnel, which can be essential to the success of your new venture.