How do I get a business loan without annual results or BKR?

As a small entrepreneur, do you have a great idea to grow your business, but you don't have annual results to apply for a business loan? With Qeld, that's no problem! Whether you have a large or a small company, we explain how you can easily get a business loan for your company, even without annual results.

What can I use the business loan without annual results for?

Not only does a business loan give you the opportunity to invest in new projects and innovations, it can also ensure a constant cash flow and strengthen your business results. In addition, taking out a business loan can help build a positive credit history, so you may have better terms and lower terms in the future. interest rates you can get. So don't let a lack of financial resources limit your entrepreneurial spirit. With a business loan, the future of your company is in good hands!

Can I apply for a business loan without annual results?

At Qeld, we regularly receive questions from entrepreneurs who want to apply for a business loan but do not have annual results. Fortunately, you can apply for a business loan with us quickly and easily, even if you don't have annual results!

How is an application without annual results assessed?

During our credit assessment, we look at your company's current financial information. Among other things, we look at the desired loan amount, the turnover and the creditworthiness of the company. Do you want your request to be processed faster? Then we recommend that you send your bank statements for the past 3 months. This way, we have a better picture of your company and you can receive the money in your account within 24 hours.

Business loan without BKR

At Qeld, we look at any BKR registrations from entrepreneurs. Why? First of all, it's important to understand why lenders look at BKR registrations. A BKR review provides insight into the company's financial situation and the entrepreneur's creditworthiness. Based on this information, lenders can determine whether the risk of granting a loan is acceptable.

Can I get a business loan with BKR registration?

‍A BKR registration does not always have to be negative. When someone has paid previous loans or loans, this is also visible to other lenders and is therefore seen as a positive registration.

Even if you have a negative BKR registration, this does not necessarily mean that you cannot get a loan. Both the type of registration and the date of registration are included in the assessment.

To increase your chances, it is important to prove your creditworthiness in other ways. This can be done, for example, by showing that you have a stable turnover. If you can show that you have a stable turnover, this can increase your chances of obtaining a loan. Sharing your bank statements can certainly help with this.

You can also have BKR registrations set an end date by paying off outstanding debts. This will create more credit space for other lenders.

Qeld is there for you

Do you have questions about business lending or do you want to know how much you can borrow? Then submit a non-binding request via Qeld.
You can also call 020 - 808 60 84 or mail to support@qeld.nl. Our team is happy to talk to you!
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FAQ

1. What happens if my company is unable to repay the loan?

If a company is struggling to repay the loan, it is essential to contact our customer service team directly. Together with you, we will find a solution. This can be through a payment arrangement, for example. The most important thing is open communication to prevent negative consequences.

2. How quickly does the business loan have to be repaid?

The repayment period of a business loan may vary depending on the agreed terms. Our loans have a flexible repayment period, which means that the entrepreneur has more control over how and when the loan is repaid.

3. Are there alternatives to a business loan without annual results or BKR?

Yes, there are alternatives to a business loan without annual results or BKR. Entrepreneurs can consider attracting investors, using crowdfunding, or applying for subsidies from the government or other organizations. These alternatives can be a good option for companies that have difficulty obtaining a traditional loan or those looking for more flexible financing options.