Working capital financing with no surprises

Why choose Qeld?

At Qeld , we do things differently:

Fixed monthly cost. With us, there are no unpredictable interest rates - you pay a fixed amount per month for your loan. So you have a clear understanding of the costs up front and will never face any surprises.

Flexible term or a customized solution. You are in control of your loan. Want to repay at no cost at any time? That's possible with our flexible term. Do you prefer a fixed term? We are happy to arrange that too, so that the financing fits the needs of your company perfectly.

Arranged quickly and completely online. No complicated paperwork or time-consuming bank appointments. You simply apply for your loan online in just a few minutes. We process your application immediately and within one working day you will receive a response about your options. Efficient and transparent, just the way you want it.

What is working capital?

Working capital is the difference between your current assets (such as inventory and accounts receivable) and your current liabilities. It indicates how much money you have available to keep your daily operations running.

Review of Trustpilot

Quickly needed working capital and after a smooth and friendly process also obtained from Qeld. Very pleasant contact and adequate handling!

- Entrepreneurs on Trustpilot

We fully understand that it can be difficult to find the right cash flow and have the working capital to grow in all the months of the year.

This is what another business owner and customer said:

After the simple application, a fine personal contact. Quick clarity on the possibilities. After approval, the working capital was immediately available.

- Entrepreneurs on Trustpilot

Calculating working capital - how do you do it?

You calculate working capital using this formula:

Working capital = Current assets - Current liabilities

A positive working capital means your business is financially sound. Do you have a temporary deficit? Then working capital financing can provide a solution.

Calculate working capital - use a calculator

Want quick insight? Then use an online calculator to calculate your working capital. That way you can see at a glance whether you need additional financing.

Financing working capital - how does it work?

With a business loan from Qeld , you can finance working capital on your terms. No complicated application procedures or long wait times. Within hours, you'll know where you can borrow how much your business can borrow. 

Working capital financing - when is it smart?

• For purchasing stock before the high season
  
• To cover wages during quiet months
  
• If your customers have longer payment terms
  
• For temporary extensions or actions
  

Working capital borrowing without worry

At Qeld , you borrow for business with a fixed amount per month. No variable interest rate. No hassle. You decide how much and how long you borrow, simple. Good working capital is often good for project financing, real estate financing or as partial support for a bridge loan.

What is the working capital ratio?

The working capital ratio shows whether your company can pay its debts in the short term. This ratio is calculated by:

Current assets ÷ Current liabilities

A ratio above 1 usually means your business is healthy.

Optimizing working capital - tips

• Manage your debtors actively
  
• Negotiate longer payment terms with suppliers
  
• Keep a sharp eye on your inventory levels
  
• Use a business loan to accommodate peaks - or troughs
  

How does a business loan with Qeld work?

Very simple:

1. Fill out the online application form
   
2. Receive a no-obligation offer within a short time
   
3. Sign digitally
   
4. We will transfer the business loan to you within 24 hours.
   

You pay a fixed amount each month. No variable interest rate, no start-up costs. And you can repay the loan at any time completely free of charge, if you choose a flexible term.

Need a loan for working capital?

At Qeld , you can borrow between €5,000 and €500,000 with terms of up to 36 months. Ideal for entrepreneurs who need extra space temporarily.

How does pre-funding work?

Prefinancing means you receive money in advance for expenses or income that will come later. For example, if you need to make purchases before you send your invoice. With a business loan, you solve this easily.

What is the importance of working capital?

Without adequate working capital, your business comes to a standstill. You miss opportunities, can't pay suppliers or get delayed. So working capital is essential for continuity and growth.

How to manage working capital?

Get an overview. Use an accounting system, monitor your cash flows and plan ahead. Do you have a temporary shortfall? Then a flexible loan can help.

Working capital for logistics companies

In logistics, peaks and troughs are the order of the day. Think fuel costs, maintenance or staff increases. With a loan from Qeld , you make sure you can always keep delivering - literally.

Ready to strengthen your working capital?

Get a business loan quote from Qeld today and discover your loan options. Application is always free and with no obligation.