Business loan application - Same-day disbursement

Non-binding loan term
No hidden costs
No start-up fees
Disbursement within 24 hours

How much do you want to borrow?

Get a free, no-obligation quote

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Paid within 24 hours
Transparent costs
Flexible repayment
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 business car and pay salaries.
Entrepreneur Kenny explains how he received an attractive offer for a business loan.
Qeld sent me an attractive offer for a business loan the same day.

What can you use a business loan for?

You can use a business loan for all business purposes:
of new staff to investing in growth.

Hiring staff

New tools or equipment

Working capital

Business loans up to
€ 500,000

Qeld offers business loans designed specifically for small and medium-sized enterprises. With loans from €1000 to €500,000, SMEs can take their business to the next level and invest in the future! You get notified within a few hours and the money is disbursed the same day. Small business loans as they should be!

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

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.

It's that easy

Apply in just 1 minute

Fill out your application quickly and easily to immediately receive a free, no-obligation quote for your business loan.


Response within a day

Within one day you will receive a response to your request, along with the quote prepared especially for you. This will be sent by e-mail.


Sign with iDIN

If you agree to our offer, you can sign it effortlessly through your bank. Within one hour the money will be in your account.


Non-binding loan term

If you no longer want to use the business loan, you can repay the full amount at any time at no additional cost!

Transparent costs

At Qeld, you don't have to worry about unexpected costs. With our business loan, you pay a fixed price each month that includes the cost of using the loan and a fixed monthly repayment of the outstanding amount. This way you know exactly what business loan will cost you. The user fees are determined individually based on the amount borrowed and the creditworthiness of your business. Would you like to know what your exact monthly costs will be? Then request your personal, no-obligation quote now and find out.

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 terms. You pay at Qeld a fixed monthly price for using the business 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, 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? 

  • Corporate loans from €1,000 to €500,000
  • 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.

More questions? Find here the answers about business financing at Qeld!


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.

Business loan within 24 hours

Are you looking for fast financing for your business? With our business loan, you can get financial support faster than ever. Simply submit your application online and receive a decision on your business loan within 24 hours. Whether it's to expand your business, purchase new equipment or manage unexpected expenses, our flexible solution will help your business move forward. Invest in your success today and watch your business flourish with the right support when you need it. Take the next step in growing your business - apply for your business loan with us now!

What is a business loan?

A business loan is a financial solution for companies that need capital (money) to cover various needs.

Types of business loans

There are several types of business loans available. Depending on your business and needs, some types of loans may suit you better or less well.

Online business loans

At Qred, we offer online business loans. So you don't have to go to a physical bank branch to meet someone at a specific time. All you have to do is submit an application on our website and you'll get a response within an hour. The money is disbursed the same day you sign the offer - completely digitally!

Traditional large banks

Traditional large banks still have local bank branches where you have to make an appointment to meet with an advisor. Then it can take several days or even weeks to get an answer, and the application process is often very time-consuming as well.

Benefits of a business loan from Qred

In addition to getting world-class personal service, you can do everything from applying to getting the money in your account completely digitally - within hours!

  • No start-up fees
  • No binding deadline
  • Free and non-binding application

When should you consider a business loan?

There are several situations in which you might consider a business loan. It could be to bridge a temporary dip or to invest in something that will create growth in your business. Whatever your reason as a business owner, Qred is there for you.

How does the business loan application process work?

With us at Qred, it's as easy as ordering a book online. Just fill in your details, such as desired loan amount, contact information, etc. It only takes a few minutes. Within an hour, a representative will contact you with some follow-up questions or an offer. The money will be disbursed the same day you sign the offer. Done!

Requirements to apply for a business loan

You must be a Dutch citizen, have a Dutch bank account number and reside in the Netherlands.

Required documentation for the business loan

When you submit an application to us, we perform credit checks and automatically begin collecting documentation. However, you can always choose to attach documents directly in the application or choose to submit them manually later.

Interest and business loan fees

At Qred, we want to make things as simple as possible. That's why we've chosen a fixed monthly fee as the cost of the loan. So you know exactly what you have to pay each month. We also don't have any start-up fees or other hidden charges for early repayment or the like. We even encourage you to repay early! That's why our loans have no binding term.

Common interest types for business loans

Other common interest types and fees for business loans may include start-up fees at the beginning of the loan period, administrative fees and other types of interest or hidden fees that are good to be aware of. Calculate the costs before making a decision on a business loan.

Alternatives to business loans

There are several alternatives for business loans. It depends entirely on you and your business needs. If you have a lot of small, day-to-day expenses, a business card may be a good alternative. If it's more of a cash flow issue, factoring and selling invoices may be a way to go. There are also some banks and lenders that offer overdrafts. This can be good if you want a secure security that you can use as needed.

How to find the best business loan?

Usually people have a "house bank," often one of the traditional major banks, for their private finances such as mortgages, accounts, etc. Many people like to separate private finances from business finances. That's where we at Qred can provide world-class personal service!

What to compare when choosing a business loan

There are many things to consider when taking out a business loan.

  • Don't borrow if you already have too much debt.
  • Don't borrow if you know you will have trouble paying back.
  • Don't borrow to speculate on risky investments.

See more