Entrepreneurs under increased pressure due to rising prices

Price increases due to the war in Ukraine are weighing increasingly heavily on SMEs, according to the Seventh Small Business Index. The second quarter of 2022 saw a visible increase in business performance, but now we see a drop in business confidence and a difficult recovery for certain sectors following the corona pandemic. Entrepreneurs also appear increasingly willing to invest in their businesses to keep their heads above water.

To give you an insight into the current status of SMEs in the Netherlands, we describe the main results of the survey in this blog.

Difficult times for entrepreneurs

Besides the fact that a large part of the Dutch population has less financial space due to high energy prices, more and more entrepreneurs are finding themselves in the eye of the storm. The results of the Small Business Index show that nearly six out of ten entrepreneurs are unable to pass on energy prices, or can do so only partially. Furthermore, 57% of business owners are experiencing disrupted supply or sales of services or products. Also, 53% of business owners say they are not prepared for unforeseen financial shortfalls.

For businesses hit hard by the corona pandemic, such as the cultural sector and the hospitality industry, it is especially tough to recover in the current crisis. Furthermore, only 43% of small business owners earn more than the minimum wage and 33% are even below the welfare level.

It is therefore not surprising that there is much criticism from entrepreneurs about the support measures that the government has presented for businesses. A large part of entrepreneurs indicate that the threshold to qualify for government support is too high.

Willingness to invest grows

The survey also shows a growing willingness among many companies to make additional investments. In particular, additional capital that can be used to reduce energy use and green energy generation is in high demand. Many entrepreneurs are opting for a business loan to make their business more sustainable. When you reduce your company's carbon footprint, you will have more financial room to grow your business. For example, you could make your business premises more sustainable by remodeling or by purchasing sustainable inventory and machinery. You could also purchase a sustainably driven business car for a green stamp on your business.

A nudge

A business loan from Qeld is highly recommended if you want to grow or sustain your business. Our business loans are clear, fast and hassle-free. An application is free, 100% no obligation and the loan is paid out the same day. Moreover, our Trustpilot score of 4.8/5 shows that our customers are very satisfied with our business loans and service.

Want to give your business a boost during these tough times? Applying for a business loan only takes 1 minute. Just fill out your information to the right and we'll get back to you as soon as possible!

Non-binding loan term
No start-up fees
Paid the same business day
Requesting a quote from Qeld is always without obligation.

Money in your bank account within 24 hours

Do you need fast financing to invest in the future of your company? We transfer the loan money to you on the same business day!

Get a free, no-obligation quote

Requesting a business loan quote from Qeld is always completely non-binding and free of charge. This way, you can find out, without any obligation, how much you can borrow for your business.

No binding term, maximum flexibility

Our business loans do not have a binding term. This means that you can repay the loan in full at any time, without penalty or interest compensation!

We have the most satisfied customers!

Qeld helped me to keep my head above water during a difficult period.

Café owner

Thanks to Qeld, we were able to lease our company car and pay our salaries.

Joakim & Erik

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

Restaurant owner

Why a Qeld business loan?

Customer satisfaction

Our customers give us a 4.8onTrustpilot! Our customers' satisfaction is our priority, which is why our team always tries to think with you about the best solution for your business. We like to help you invest in your future, because if you do well, we do something right!

Simple and clear

Qeld makes business lending simple. We don't believe in hassle and prefer to keep things simple and straightforward. That's why we don't work with interest rate changes, only fixed monthly utility costs and a fixed monthly repayment. That way you know exactly what the loan will cost each term, with no surprises. Fine!

Non-binding loan term

Our flexible business loans have a loan term of 6 to 18 months, but no binding term. This means that you can repay the loan at any time without penalty. This gives you maximum flexibility and you only pay during the period you actually need the loan.

Same-day transfer of your loan!

Do you agree to our business loan offer and sign digitally before 5 p.m.? Then we will transfer the money to you the same day! This means that, in most cases, you will have the money in your business bank account within 24 hours . So you can quickly invest in the future of your business thanks to Qeld .

Frequently asked questions

What is the cost structure of the loan?

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 monthly total. That way you know exactly what will be amortized each month: smart!

How much will the Qeld loan cost me?

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. Every entrepreneur receives a personalised offer from us, calculated on the company's credit rating.

Is the offer really 100% non-binding?

Of course! As soon as we receive your request, our team will process it immediately and come back to you soon with a response about your loan options. The free quote you receive from us is always 100% non-binding.

Will I be automatically approved?

No, unfortunately we cannot automatically approve every loan application, for example because the loan amount is not in proportion to a company's turnover. Only when we receive an application can we check how much you can actually borrow.


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.