Business loan for startups and new companies

Why start-ups are being rejected by banks

Maybe you're thinking about starting a business? Or maybe you've just started a new company? Unfortunately, borrowing money from the bank for a starting company is not easy. First, the risk is greatest in the beginning, before the company is well and truly up and running, and secondly, the amounts are rather small. The bank likes low risks and lends large amounts of money to large companies. It's just not worth spending time on startup companies for the bank.

What is a start-up?

A start-up is a company that has not yet established a company or has not filed its first financial statements. Some banks even require three accounts so as not to consider a company as a starter. At Qeld, we think this is wrong because a company's first three years are the hardest. Then you may need temporary capital injections to grow.

Starter loan - A business loan to start your own business

Before you get a business loan requests, you must have done your homework. What will your company do, how much money do you need to get started? How much can you repay per month? Think about this carefully so that you request the correct amount and can clearly explain how to repay the loan.

What type of loan is best for starters?

• Traditional bank loans are best suited if the company is a bit further along and there is an established cash flow.
• Qeld business loans are suitable if you have a temporary need for liquidity. Qeld is one of the few providers of loans to start-ups.
• Equity is appropriate if there is a high potential for the company to increase in value if it succeeds, but there is a high risk that it will take longer than planned.

How much does a Qeld business loan cost?

At Qeld, we don't work with standard rates, because no company is the same. That's why we always give you a personal offer. This offer is a fixed monthly price which consists of two parts: usage costs and installment. This way, you know exactly what the loan costs you each month in advance.

Who can submit an application?

All entrepreneurs, large and small, can apply for a business loan from Qeld. The only conditions we set are that the company is already registered with the Chamber of Commerce and that the owner resides in the Netherlands. Find out how much you can borrow now and submit your application!

What can I use the loan for?

You can use our business loan for all business purposes! Van working capital and stockpile upto new equipment, company cars, machines and more. We support all investments in your future. Get a business loan of €5,000 to €500,000. No start-up costs or fixed duration.

How much money can you borrow as a starting entrepreneur?

As a starting entrepreneur, you can apply for a business loan from Qeld, part of Qred Bank, from €5,000 to a maximum of €500,000. The exact loan you can receive depends on your business plan, financial situation, turnover and growth potential. At Qeld, we understand that starting entrepreneurs need fast and flexible financing without long-term obligations so that they can realize their business ideas.

With our simple application process, as a starter, you can submit an application within a few minutes and, once approved, the amount will be in your account within 24 hours. This makes it possible to invest directly in, for example, inventory, marketing, new machines, materials or staff, which can be essential for the success of your new company.