Financing working capital without surprises

Why choose Qeld?

At Qeld, we do things differently:

Fixed monthly costs. We have no unpredictable interest rates — you pay a fixed amount per month for your loan. This way, you have a clear insight into the costs in advance and you will never be faced with surprises.

Flexible duration or a customized solution. You are in control of your loan. Do you want to repay free of charge at any time? This is possible with our flexible duration. Do you prefer a fixed term? We are also happy to arrange that in consultation, so that the financing perfectly meets the needs of your company.

Quickly and fully arranged online. No complicated paperwork or time-consuming bank appointments. You can easily apply for your loan online in just a few minutes. We will process your request immediately and within one business 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 inventories and accounts receivable) and your current liabilities. It shows how much money you have available to keep your daily operations running.

Trustpilot Review

Fast working capital needed and, after a smooth and friendly process, also obtained from Qeld. Very nice 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 months of the year.

Here's what another business owner and customer said:

After the simple request, a nice personal contact. Quick clarity about the options. After approval, the working capital was immediately available.

- Entrepreneurs on Trustpilot

Calculating working capital — how do you do that?

You calculate working capital using this formula:

Working Capital = Current Assets — Current Liabilities

A positive working capital means that your company is financially healthy. Do you have a temporary shortage? Then working capital financing can offer a solution.

Calculate working capital — use a calculator

Do you want a quick insight? Then use an online calculator to calculate your working capital calculation. So you can see at a glance whether you need extra funding.

Working capital financing — how does it work?

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

Working capital financing — when is it smart?

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

Borrow working capital without worries

At Qeld, you borrow for business with a fixed amount per month. No variable interest. No hassle. You decide how much and for how long you borrow, simple. Good working capital is often good for project funding, 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 ÷ Short-term liabilities

A ratio above 1 usually means that your company is healthy.

Optimising working capital — tips

• Actively manage your debtors
  
• Negotiate longer payment terms with suppliers
  
• Keep a close eye on your inventory levels
  
• Use a business loan to absorb peaks - or falls
  

How does a Qeld business loan work?

Very simple:

1. Fill out the online application form
   
2. Receive an informal 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 rates, no start-up costs. And you can repay the loan completely free of charge at any time, if you opt for a flexible term.

Need a working capital loan?

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

How does pre-financing work?

Pre-financing means that you receive money in advance for expenses or income that comes later. For example, if you have to buy before sending your invoice. With a business loan, you can easily solve this.

What is the importance of working capital?

Without sufficient working capital, your company will come to a standstill. You miss opportunities, are unable to pay suppliers, or you are delayed. Working capital is therefore essential for continuity and growth.

How to manage working capital?

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

Working capital for logistics companies

In logistics, peaks and troughs are the order of the day, such as fuel costs, maintenance or staff growth. With a loan from Qeld, you ensure that you can always deliver - literally.

Ready to boost your working capital?

Request a business loan quote from Qeld today and discover your borrowing options. Requests are always free of charge and completely without obligation.