As an entrepreneur looking for a business loan without BKR, you probably know from experience that the traditional banking world is stuck in its systems. Often, a single BKR registration is enough to close the door immediately, even if your company is healthy and has a bright future. At Qeld, we see things differently. We're refreshingly honest and tell you the truth about applying for a loan: a business loan without BKR actually doesn't exist. Every financial institution in the Netherlands is obliged to perform a BKR check. What we can offer you is a business loan where a BKR registration does not automatically lead to rejection. We'd rather look at your potential, not just your past.

The reality of a BKR registration

The Foundation for Credit Registration (BKR) in Tiel keeps an overview of all loans and loans that are provided in the Netherlands. It is a system that should protect consumers and financial institutions against overlending. When you have taken out a loan and repay it properly on time, this results in a positive registration. However, if you are or have been in arrears, this may result in a negative BKR registration. For many banks, this is a red flag that rejects the request immediately, without looking at the context or current situation of your company. This old-fashioned approach is what entrepreneurs find so frustrating.

This is where the Weld tries to make a difference. Instead of rejecting your request immediately, we use the BKR check as one of the many pieces of the puzzle we consider. We believe that your potential and your current financial situation say much more about your company's creditworthiness than a record from the past.

Why does Qeld look beyond the BKR?

Because, as a hardworking entrepreneur, you deserve better. You are more than just a number. That's why we look at the bigger picture of your business, not just your past personal payment history. Our smart, automated systems analyze your business data quickly and efficiently. Imagine: an entrepreneur from Amsterdam had a negative BKR registration due to student debt. The bank firmly rejected him, even though his webshop had been hugely profitable for two years. At Qeld, we analyzed his current cash flow and, within a few hours, made an offer that made his growth possible.

In addition to BKR, we also look at:

• Your company's current turnover
• Daily cash flow and liquidity
• Your ability to repay the loan in the future

This approach allows us to make a fair, transparent and quick decision, even when you have a business loan you are looking for and have a BKR registration. Not only do we judge based on your past, but also look at today's facts.

Apply for a business loan with a BKR registration

At Qeld, we make the process of a business loan requests as easy as possible. You don't have to collect folders full of documents or make appointments with bank advisors. We ask you to provide only the information that is essential to make a decision.

How to apply for a business loan with Qeld:

1. Start your online application: Fill out our simple and non-binding online form in a few minutes.
2. Our team will process your request immediately: Our team will immediately work on your application and will respond to you about your borrowing options within a day.
3. Quotation and payment: Can we offer a loan to your company? Then you will receive a quote and - if you agree digitally - we will transfer the amount to you within 24 hours.

This process is designed to take the pain out of financing and let you focus on what you love most: building your business.

The benefits of a Qeld business loan

A Qeld loan is more than just money in your account; it is a financial tool that grows with you and provides you with the necessary security and flexibility.

• Speed: Our application and approval processes are extremely fast. We know that entrepreneurs must be able to act immediately on a good opportunity or an unexpected challenge.
• Transparency: With Qeld, you pay one fixed monthly fee. No start-up costs, no fine print, or hidden costs. We're refreshingly honest about our terms.
• Flexibility: We offer you the opportunity to repay the loan early and free of charge. Should your company grow earlier than expected, you won't be penalized for it.
• Personal service: Although our process is largely automated, our experts are always available to advise you.

When is a loan the right choice despite BKR registration?

A BKR registration can occur for various reasons, including personal debt or a delay in past payments. However, if your business is now profitable and has a stable cash flow, a Qeld loan can be an excellent solution.

Our loan is useful for entrepreneurs who:

• Want to place a large order or stock up at a good price.
• Want to invest in new equipment, staff or another location.
• Want to strengthen their cash flow, for example when customers pay late.
• Need bridging funding to deal with setbacks.

In all these cases, we look at the potential of your company, not a stamp from the past.

About Qeld: the bank that sees your potential

Qred Bank, the bank behind Qeld, was founded in 2015 by entrepreneurs who understand exactly what you're up to. They had experienced for themselves how challenging it can be to navigate the slow processes of traditional banks. That's why we've developed a simple, fast and flexible financing solution tailored to your business ambitions.

Qred Bank is committed to making financing easier and more accessible, and to paving the playing field for small entrepreneurs. By now, we already have more than 50,000 companies helped with their funding in 7 European countries. 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 business loans without BKR

1. Can I get a Qeld business loan if I have a BKR registration?
Yes, one BKR registration is not automatically a rejection. We always carry out a BKR check, as is required by law for financial institutions, but we also look at other factors. We focus on the current financial health of your company, your cash flow and your ability to repay the loan.

2. What is the difference between a negative and a positive BKR registration?
A positive BKR registration means that you have a loan or credit but have always repaid it on time. A negative BKR registration indicates that there has (been) a delay in payment.

3. What does Qeld look for if it's not just the BKR registration?
We look at your company's recent financial data, such as sales and cash flow. Our automated systems quickly and efficiently assess your current situation so that we can give you a fair decision.

4. Can I get a business loan without financial statements?
Yes! We understand that starting entrepreneurs and SMEs who are growing rapidly, do not always have current financial statements. We mainly look at your current figures and the potential of your company.

5. How can I check a BKR registration?
You can view your own BKR registration for free via the BKR website or via the BKR app. This is a good step to take before you apply for a loan.

6. How quickly do I know if I'm eligible for a loan?
Our digital application process is automated for speed. You fill in your details in a few minutes and receive a response from our team within one business day. Upon approval and acceptance of the quote, the money can be in your account within 24 hours.

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