What is SME Financing?

SME financing is a business loan or credit, especially for small and medium-sized companies. Whether you want to expand your inventory, invest in new equipment, or just need some extra space to keep your cash flow in order. With the right funding, you can get ahead. And best of all, a good solution doesn't come with unpleasant surprises.

What financing options are available for SMEs?

As a small or medium sized company, you have several options for financing your business:

Corporate Credit: A flexible credit line that you can use when you need it.
Business loan: One-time amount with a fixed term and clear repayment.
Alternative funding: Financing outside traditional banks — via Qeld, for example.
EU or EIF funding: Specific arrangements that stimulate innovation, growth or sustainability.

At Qeld, you can easily find a business loan requests, with no start-up costs and no fine print. You simply pay a fixed monthly fee — just as convenient as a subscription. So you always know where you stand.

Why choose an SME loan from Qeld?

— Fast money in your account, often within a few hours.
— No start-up costs, no fine print.
— No fixed term. Repay earlier? No problem, it costs you nothing extra.
— Super simple online request. No paperwork or hassle.
— Personal service. We're here for you if you need us.

With a Qeld business loan, you get clarity, flexibility and support, so you can focus on growing your business.

When is a business loan useful?

Many small entrepreneurs opt for financing such as:

— The turnover is slightly lower, for example in the low season.
— There is a great opportunity to stock up at a good price.
— You want to invest in new equipment, staff or another location.
— Cash flow is tight because customers pay slowly.

With our SME loans, you can tackle these kinds of challenges easily and without hassle.

How do I apply for SME financing?

At Qeld, you can arrange financing for your company quickly and easily. Just follow these three easy steps:

— Complete our online application. It's free and non-binding.
— Get a customized quote in a few minutes.
— Accept the quote and we'll pay out within 24 hours.

You don't have to search for annual reports or make extensive plans. We look at what is possible for you now.

What does a business loan cost for your SME?

‍At Qeld, you pay one simple, fixed monthly fee. none interest, no upfront costs and no surprises afterwards. So you always know exactly where you stand. And do you want to pay off earlier? No problem, you can do it free of charge.

Want to know more about our business loan? Find out how easy and transparent corporate finance can be here.

Why do so many SMEs choose Qeld as their financier?

‍Qeld is part of Qred Bank, founded in 2015 by entrepreneurs who understand exactly what you're up against. We've already helped more than 50,000 companies in seven European countries with their financing. And now, in the Netherlands, we are also ready to help SMEs with loans of €3,000 to €500,000, without hassle.

We believe that, as an entrepreneur, you should be able to focus on growing your business. Leave the funding to us. Fast, easy and clear.

Frequently asked questions about SME financing

What are the conditions for a business loan for SMEs?
At Qeld, we keep things simple and organized. As long as your company is active and has turnover, you can submit an application.

What interest rate do you use for SME financing?
We do not charge a revolving interest rate. You pay usage costs per month, so you always know where you stand and the loan can be repaid free of charge at any time.

Can I apply for an SME loan without financial statements?
Yes, definitely! We mainly look at your current figures and the potential of your company.

How do I compare business loans for SMEs?
Opt for transparency, speed, clear costs and the option to pay early without charge. At Qeld, you get all that and more.

Ready to apply for your SME financing?

Request your request today, free of charge and without obligation. Get a quick quote and get started with your plans right away!