Microcredit for small businesses

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Can't get a loan from one of the outdated traditional banks? Not to worry! There is a solution what can change the lives of self-employed and small business owners: microcredit.

Obtaining a loan from a traditional bank can often be a long and difficult process. Fortunately, there are microloans, a loan designed specifically for small business owners. In this blog, we are going to look at what microloans are and why they can be so beneficial to small business owners.

How much does a microcredit 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 microcredit at Qeld . The only conditions we set are that the business is already registered with the Chamber of Commerce and that the owner lives in the Netherlands. Are you looking for a microcredit zzp? Submit your application and find out now how much you can borrow!

What can I use the microcredit for?

You can use our microcredit for all business purposes! From working capital and inventory to new equipment, company vehicles, machinery and more. We support all investments in your future. Get a microcredit from €1000 to €500,000. No start-up costs or fixed term.

How does a microcredit work?

Let's start with the question: what is a microcredit? A microcredit, also known as microfinance, is a small business loan between €1,000 and €500,000. Although this form of credit once started to support people in developing countries, it has since become a common form of financing in the Netherlands as well. It is mainly used as a way to help small entrepreneurs start their business or expand their existing activities.

Why is a microcredit so beneficial?

First, the loans are relatively small, which means that the entrepreneur is not overwhelmed by large debt. This makes it much more accessible for small business owners to get financing.

Second, a micro loan often offers more flexibility than a traditional loan. For small and medium-sized businesses, it is often nice not to be tied down to a business loan for a long time. This form of business loan often comes with a shorter term and, in some cases, even no binding term. This means that you can repay your loan in full at any time and therefore are not tied to anything.

Furthermore, microloans can help entrepreneurs grow and expand their businesses. For example, the loans allow entrepreneurs to invest in new equipment, marketing campaigns or purchasing inventory. This can help grow their business and make more profit, which in turn can be invested in further expansion.

In addition, getting a microloan can also help build a credit history. This can be important for future financing opportunities, as having a good credit history can help you access larger loans or other financial products.

Microcredit applications

Microloans are a powerful SME loan for small business owners who struggle to access traditional financing. They can help grow their business and build a credit history. Interested in applying for a microcredit?

Microcredit from Qeld receives the highest rating in the Netherlands. Customers give us a 4.8 on Trustpilot for our fast, clear and flexible business loan. We provide microloans to all entrepreneurs: start-ups, SMEs and self-employed. You can use the microloan for all business purposes. Moreover, you already apply for a free and non-binding offer in just 1 minute and we will transfer the money to you the same day! Your Qeld microcredit has no start-up costs, hidden fees and no binding term - so you can repay whenever you want!

So if you are looking for a financial boost for your business, submit your application here. With us, you can count on a customized quote, an easy application process and excellent service. Feel free to contact us for more information. We would love to help you take your business to the next level!

Frequently asked questions about microcredit

How does a microcredit affect an entrepreneur's creditworthiness?

A microloan can positively affect an entrepreneur's creditworthiness if the loan is repaid as agreed. This is because successful repayments are recorded and contribute to a positive credit history, which can facilitate access to future financing.

What are the specific conditions for taking out a microcredit?

At Qeld , the only conditions are that you are registered as an entrepreneur with the Chamber of Commerce (CoC) and reside in the Netherlands. Microcredit conditions can vary depending on the lender. These may include interest rate, loan term, repayment terms, and any requirements for providing collateral or personal guarantees. It is important to carefully consider and compare these conditions before deciding to take out a microcredit.

Can any entrepreneur apply for a microcredit, regardless of the type of business or industry?

At Qeld , it does not matter what industry your company operates in. However, it is important to note that loans cannot be granted to foundations or N.V.'s. Although microloans are widely accessible, some lenders may have specific requirements for the type of business or industry in which it operates. This depends on the lender's risk profile. It is advisable to check with the lender beforehand.

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


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:
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