About Qeld

Every company needs help from time to time

As entrepreneurs, we know exactly how difficult working with large banks can be. This is precisely why we wanted to offer a more flexible, faster and simpler alternative to corporate credit and loans for SMEs.

From small start-ups to large multinationals: Qeld offers a flexible loan for all self-employed people, SMEs, limited liability companies and other forms of business!

Kvalitetsfog i Stockholm, kunder till Qred
Thanks to Qeld, we were able to lease our company car and pay salaries

-Joakim & Erik, Contractors

Qeld sent me an attractive offer for a business loan the same day

-Kenny, Restaurant Owner

Robban på Kaffebaren, kund till Qred
Qeld helped my business and I to stay afloat during a difficult period

-Robert, Cafe owner

incentivized entrepreneurs
jobs per day


Qred (the parent company of Qeld) was born in Stockholm with a mission to improve the banking experience of small businesses and put the needs of the customer first.


Qred expands into the Finnish market and opens offices in both Helsinki and Latvia.


Qred opens its doors on the Danish market.


Qred is entering the Dutch market under the trade name Qeld.


Qred introduces its invoicing service - Qred Factoring - in Sweden. Qred also starts business operations in Brazil.


Qred is launched in Belgium and the Financial Times names Qred in the top 10 fastest growing companies in Europe.


Qred launches its credit card for entrepreneurs and the accompanying app in Sweden and Finland.


Qred expands and opens its doors in the Norwegian market.


Qred has officially become a bank.

The Story of Qeld

In 2015, my business partners and I set out to change the old industry of small business lending. Historically, the smallest businesses have been underfunded and under-served by old-fashioned, traditional banks.

We speak from experience: we've been in the same situation that hundreds of small businesses face every day. Let me tell you a short story: Once upon a time there was a relatively young and ambitious entrepreneur, let's call him Emil, who wanted to start his own business. There was much to learn, and much that was new, exciting and unfamiliar. One of the first things Emil had to do was go to a bank to apply for financing for his business. After a 15-minute conversation, during which he told the banker in a nice suit about his business plans, the entrepreneur was told that the bank did not think the business plan was well thought out and that, unfortunately, he could not become a customer of the bank. Fortunately, the entrepreneur did not give up and after a while managed to find a bank willing to accept his newly established business as a client.

Unfortunately, this is not a rare situation. Being taken seriously, getting time, advice and fair financing is uncommon among small business owners.

That's why in 2015 we decided to launch Qred ("Qeld"), to make financing easier and more available to entrepreneurs. Considering that four out of five new jobs are created by small business owners and that the future prosperity of the Netherlands largely depends on them, this is only fair. It is up to us to create new and ambitious businesses.

Today, Qred operates in as many as six markets, is one of Sweden's fastest-growing fintech companies and has been listed in the Financial Times list of Europe's fastest-growing companies for as many as four years in a row. In addition, Qred is the largest financier of small businesses in the Nordic region and since October 2023 we are also one of Europe's newest banks. Qred has been operating in the Netherlands since 2018 under the trade name Qeld.

We now aim to become Europe's number one small business bank. We want all businesses to get the treatment and respect they need and, above all, deserve. By using machine-learning and AI, we can make a thorough and adequate credit assessment within seconds, and with our integrations with other platforms, we can disburse loans within minutes.

To date, we have provided financing to over 100,000 entrepreneurs and helped to create over 40,000 jobs over the years. Our goal is to empower the millions of entrepreneurs across Europe with severe banking shortages and make the old-fashioned, traditional banks a little more humble.

‍EmilSunvisson, CEO and co-founder

Read more

Our Partners


Qeld uses iDIN as a secure and reliable identification method.


Our customers can easily and securely sign their agreements online via Signicat.

Chamber of Commerce

Qeld is registered in the Trade Register of the Dutch Chamber of Commerce as a branch of Qred Bank AB.


Qeld (part of Qred Bank AB) is regulated as a payment institution by the Swedish financial supervisory authority Finansinspektionen.

More about our team

Career opportunities

Qeld (Qred AB) is growing rapidly and we are constantly looking for new talent.
Take a look at our vacancies:

More vacancies


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:
Monday through Friday 8 a.m.-5 p.m. and Wednesday through 8 p.m.

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