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In order to maintain the highest possible security in our service, passwords are stored in an encrypted format. That's why you'll need to set a new password if you've forgotten your previous password for our customer portal. It's important to choose a password that no one knows, preferably with letters, numbers, and special characters.

Alle Nederlandse ondernemers, groot en klein, kunnen bij ons een zakelijke lening aanvragen, inclusief BVs, VoFs en ZZP'ers. De enige harde eisen die wij stellen is dat het bedrijf reeds is ingeschreven in het Handelsregister van de Kamer van Koophandel (geldig KvK-nummer) en dat de leiding van het bedrijf in Nederland woonachtig is. Het maakt niet uit in welke sector het bedrijf actief is, hoelang de onderneming al bestaat of hoeveel werknemers er zijn: Qeld beoordeelt iedere aanvraag individueel o.b.v een geavanceerde kredietbeoordeling.

Wij geven alle ondernemers een kans!

Wat biedt Qeld ondernemers? 

• Bedrijfsleningen van € 3000 tot € 500.000
• Aanvragen is geheel vrijblijvend
• Geen verborgen kosten
• Geen opstartkosten
• Flexibele looptijd van 6 tot 36 maanden
• Op ieder moment af te lossen zonder extra kosten

Qeld is the Dutch branch of Qred Bank AB: a payment institution regulated by the Swedish Financial Supervisory Authority (Finansinspektionen). Our business activities are also audited by a certified accountant. Qeld is also registered in the Chamber of Commerce's trade register (Chamber of Commerce number 72603372).

At Qeld, you pay a fixed monthly price every month for using the business loan (operating costs), plus a fixed monthly repayment on the outstanding loan amount (amortization). Add the two amounts together and you have your total monthly amount.

The amount you pay in monthly usage costs and repayments is calculated based on the loan amount, loan period, credit score of a company and other factors. Curious about what we can offer you? Then simply submit an application so that we can get started with a free quote for your business loan! Our offer is always personal - and more importantly, always without obligation! You choose whether to agree to our offer or continue to look for appropriate financing to achieve your ambitions.

Why a fixed price for a business loan?

We prefer a fixed monthly price, because this way, as an entrepreneur, you know exactly what is deducted each month. So you never have to worry about complicated interest rates or a sudden increase in your monthly charges. With Qeld, the monthly amount remains the same throughout the term of your business loan (unless you apply for a loan increase in the meantime and want to borrow extra credit).

Qeld in a nutshell

Qeld is Qred's Dutch department: the expert in business loans. Qred is a Swedish company, founded in 2015, with a clear goal: to make financing easier, faster and more flexible for entrepreneurs. We love small entrepreneurs and offer them the opportunity to grow, invest and increase their profit potential.

How do we do this? By providing flexible business loans that can be repaid at any time. This means that an entrepreneur only pays for the period that he or she actually needs the loan. Qeld offers business loans ranging from €5000 to €500,000, with no start-up costs or hassle.‍

How does applying for a loan with Qeld work?‍

Our goal is to make business lending easier, faster and more flexible, and drives our processes. For example, entrepreneurs can submit a loan application via our website within one minute. Our team will then carry out the necessary credit checks and will contact you within one hour to discuss the application.

Is the creditworthiness in order? Then the entrepreneur will receive a personalized quote that can be digitally signed with iDIN. When digitally signed, we transfer the loan amount that same day. Fast, simple and safe. ‍

How much does it cost to borrow via Qeld? ‍

Qeld does not have a standard rate, but assesses each credit application individually. This means that every entrepreneur receives a personalized offer.

With Qeld, you pay a fixed monthly price for using the loan, plus a fixed repayment amount. This way, an entrepreneur knows exactly what they lose each month, without hidden costs or complicated interest rates.

Why Qeld?

Small entrepreneurs often have trouble arranging financing through traditional banks. They are rejected because the loan amount is too low or face a week-long process. That's why Qeld is the smart solution for SMEs: flexible financing for small businesses, paid out within a day.

We have invested in a modern online system that is completely independent of expensive offices and manual intermediate steps. By analyzing data from hundreds of sources, we can assess an application immediately and switch quickly. No other company grants and distributes corporate loans faster than Qeld. Our team is also service-oriented and makes business loans understandable and transparent.

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Qeld evaluates each request for a business loan based on various factors. Our team makes an overall credit assessment of whether an entrepreneur is able to meet future payments. We also make an informed assessment of whether the loan amount is in relation to the size and turnover of the company.

Based on the credit assessment, we are sometimes forced to decline a business loan application. One of the most common reasons is that the creditworthiness of a company or representatives is not sufficient, for example because there are already debts with other authorities. That said, in the event of individual payment arrears, Qeld always tries to think along with the customer about the options, this is no reason for immediate rejection. We always try to look at the whole thing. Another reason for rejection is that the information provided is incorrect/inadequate or that the company's ability to pay is uncertain or cannot be estimated.

To give an application the best chance of success, our team may contact the customer to obtain more information and/or documents, such as annual reports, turnover data and/or bank statements for at least the past 3 months in MT940 format. Providing this type of data enables our team to carry out a more comprehensive credit assessment and possibly prepare a quote with better terms. So should we come back to you with a request for additional documentation, we kindly request that you comply...

Business loan interest rate: Qeld opts for interest-by-risk

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At Qeld, we are regularly asked: “What is the interest rate for a business loan?” The answer: “We work with interest according to risk.” This means that we try to make a personalized offer for each entrepreneur (and application for business credit), so that we can offer the most favorable rate based on your circumstances. What for each business loan the same thing is that you always pay the same fixed monthly price.

Qeld doesn't work with variable interest rates or complicated payment plans because we want to keep business loans simple. At Qeld, you pay a fixed monthly price (business loan interest rate) each month for using the business loan, plus a standard repayment on the loan amount (amortization). These monthly usage costs (business loan interest) and repayment (amortization) are the same every month, so our customers know exactly what there are for costs each installment.

We also give our customers the option to repay the business loan in full at any time, without additional costs or penalties. No binding term: this way you can choose how long you use the loan. The sooner you pay it off, the cheaper business lending via Qeld becomes!

Business loan interest rate: how are costs calculated?

Our fixed monthly usage costs, our form of interest, are based on a company's individual credit score. This score is based on a company's comprehensive credit rating. Please note: we can only calculate the interest rate on a business loan once we have registered an application.

Curious about what the costs of your business loan would be? Requesting a quote with Qeld is always free and 100% free, so find out today and submit your request via the “Request Now” button or our homepage!

In the absence of the monthly payment, Qeld first sends a friendly payment reminder. If payment is not made, you can choose to forward a case to collection. If a company is no longer able to meet the contractual payment obligation, the guarantor is held responsible for outstanding payments.

Have you ever forgotten the monthly payment or are you having trouble paying an invoice? Let our team know and get in touch at support@qeld.nl. Payment problems can affect any entrepreneur, which is why our team is happy to think along with you. As long as you're honest and open about your financial situation, our team can assist you and prevent any payment issues from escalating.

We understand that it can be difficult to raise the alarm if you can't pay, but if we don't know what's going on, we can't discuss a possible solution with you either.

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Money? Don't we just mean 'Money'? No, we're talking about Qeld: the flexible lender for entrepreneurs. Just like the way the company name was spelled, Qeld does it all slightly differently: faster, easier and more effective.

Qeld is the Dutch branch of Qred Bank AB: the Scandinavian expert in business loans. Qred is a Swedish company, founded in 2015 with a clear goal: to make financing easier, faster and more flexible for entrepreneurs. Qeld offers companies the opportunity to grow, invest and increase their profit potential.

‍What does Qeld offer entrepreneurs?

• Business loans of €5000 to €500,000
• No hidden costs
• No start-up costs
• Repayable at any time at no extra cost
• Personal, targeted service
  

How much does it cost to borrow via Qeld? ‍‍

Qeld does not have a standard rate, but assesses each credit application individually. This means that every entrepreneur receives a personalized offer. At Qeld, entrepreneurs pay a fixed monthly price for using the loan, plus a fixed monthly repayment amount. This way, the entrepreneur knows exactly what he will lose per month, without having to worry about hidden costs or complicated interest rates.

In the absence of the monthly payment, Qeld first sends a payment reminder. If payment is not made, you can choose to forward a case to collection. If a company is no longer able to meet the contractual payment obligation, the guarantor is held responsible for outstanding payments.

Have you ever forgotten the monthly payment or are you having trouble paying an invoice? Let our team know and get in touch at support@qeld.nl. Payment problems can affect any entrepreneur, which is why our team is happy to think along with you. As long as you're honest and open about your financial situation, our team can assist you and prevent any payment issues from escalating.

We understand that it can be difficult to raise the alarm if you can't pay, but if we don't know what's going on, we can't discuss a possible solution with you either.

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When digitally signing the contract, we try to business loan to be transferred the same day (if the credit application is approved and signed before 5 p.m.).

Note: if the loan is transferred, this does not mean that the amount is automatically in your account. We depend on banks and systems to process payments. For most customers, the money is already available in the account the next business day, but payout may take a little longer due to the customer's bank's processing time.

You pay our fixed costs and repayments once a month. For example, if you accepted the loan on the 10th of the month, we must receive the first payment on the 10th of the following month. We send the invoice via email 10 days before the payment date. The total repayment of the loan depends on the chosen maturity/loan period.

No, at Qeld, we do not charge an invoice fee if you choose to receive invoices digitally in PDF versions. It is also possible to receive paper invoices by mail, for which we charge €3 per invoice sent.

Yes, to submit your request for a business loan In order to be able to assess, we use credit information obtained through reputable credit rating agencies. This concerns credit information about both personal creditworthiness and that of the applicant's company.

No, the monthly price that Qeld charges for using the loan (interest) is exempt from VAT.

As a payment institution, Qeld has the obligation to register agreements with the Credit Registration Office Foundation (BKR). In addition to registering the agreement, Qeld also has the obligation to report this to the BKR Foundation in the event of a prolonged absence of payment.

Requesting a business loan via Qeld is free, completely optional and only takes 1 minute!

Requests in a few simple steps:

• Click the “Request Now” button or navigate to our home page.
• Select how much you want to borrow
• Fill in your company and personal information so that our team can perform a credit assessment
• Click on requests (this is free of charge and without obligation)
• Our team will process your business loan application immediately and will come back to you shortly to discuss the options
• If the request is approved, you will receive a quote that can be digitally signed with iDIN
• Upon agreement and digital signature, we will transfer the loan to you within one hour

What does Qeld offer entrepreneurs?

• Business loans of €5000 to €500,000
• No hidden costs
• No start-up costs
• Repayable at any time at no extra cost

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The Qeld team is available Monday to Friday from 8 a.m. to 5 p.m. You can reach us by phone number 020 - 808 60 84 or by email at support@qeld.nl. Our team will try to provide you with a response soon!