Your business loan is ready

No hidden fees, no set-up costs, no lock-in period - and personal support every step of the way.

Qred at a glance

7200%
growth
100+
talents
6
markets
5000+
created jobs

Our reputation

When you thrive, we thrive - that's our motto
With over 30 000 businesses helped, Qred was listed as the fastest-growing company in Sweden by the Financial Times. Our goal is all about empowering you.

Common answers

What is the cost for tacking a business loan?

At Qred we don't have a starting cost. 30 days after you signed the offer you will have the due date on your invoice, here you will pay an amortise and a monthly fee for the month there have past.

What's the interest rate?

Our loans do not have a separate interest rate. Instead, we charge a fixed amount each month you have the loan - there are no other fees. The monthly fee is individual and based on your company's qred-score, which is based on many dozens of data points and parameters and gives an overall evaluation of each application. As the loan has no lock-in period, you can pre-pay at any time and only pay for the months you keep the loan. That is, you can save significantly if you choose to pre-pay your loan.

What does it take to qualify?

We do a comprehensive evaluation of every application. The critical element is your company's ability to handle the loan and manage repayment, and generate enough return on investment to justify your loan - that the loan's size is in proportion to your business. Sometimes we have to say no to applications, or approve a lower amount than you request. This might be because the company or owners have incurred debts they cannot repay or have a long history of payment remarks. That said, small or uncommon payment remarks need not be a hinder, and we always look at the big picture. You've provided incorrect information. The company's ability to repay is in doubt or impossible to demonstrate. Read more under security and borrowing responsibly.

When will the loan be paid out?

The loan is paid out the same day after you accept our offer, as long as that happens by 17:00. Depending on holidays and weekends, there can be a couple of days before the funds reach your business account.

When should I repay the loan?

You pay a fixed amount each month. If you took a loan on the 10th, then your first invoice will have due date on the 11th of the following month. We send invoices 10 days before the payment deadline.

Questions?

We love small businesses. Get in touch and let us know how we can help your company!

Loan breakdown

Apply in 1 minute
Fast and easy application process. It's free and non-binding.
Offer within the hour
After applying, we'll reach out to you within an hour.
Same-day payout
You can sign your offer with BankID and receive your funds within the day.

Calculate your loan

Monthly fee
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kr.
Monthly amortisation
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Total to pay
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This is an example monthly fee. Pricing is determined by the Qred Score Algorithm. You are only required to pay for the months you actually keep the loan.

Questions?

We love small businesses. Get in touch and let us know how we can help your company!

Every business needs help once in a while

As business owners, we’ve experienced the difficulties in working with the big banks. That's why we set out to offer convenient and flexible financing for small businesses.

Qred at a glance

7200%
growth
100+
talents
6
markets
5000+
created jobs

Testimonials

  • Qred helped me keep what I had when times were tough.
    Robert
    Café owner
  • The bank says "no" right off the bat, but with Qred you get help immediately. What a difference!
    Gudrun
    Napkin designer
  • Thanks to Qred, we could lease our company car and pay out salaries.
    Joakim and Erik
    Construction contractors

The Story Behind Qred

Once upon a time, a relatively young and hopeful entrepreneur started a small business. Everything was fresh, exciting and a bit unfamiliar. The first thing that needed to be done was to obtain a bank certificate stating that the founder’s hard-earned and saved start-up equity capital had been deposited. With pride, the entrepreneur went to the nearest bank to announce that he wanted to open an account for his new business and deposit one hundred thousand kroner into his account.

He enthusiastically described his plans to the inscrutable bank clerk, who asked, “but why have you chosen to come to our bank?” The entrepreneur was taken aback, since this bank had received the prestigious “Best Swedish Commercial Bank” award, but he calmly replied because it seemed like a good business bank. After 15 minutes, the entrepreneur was informed that the bank did not believe in his idea and that the bank therefore rejected his customer application...
Read more

The People at Qred

About the team

Career Opportunities

Questions?

We love small businesses. Get in touch and let us know how we can help your company!

Growth Blog

Help and support

Feel free to search our knowledgebase for the most commonly asked questions!

Questions?

We love small businesses. Get in touch and let us know how we can help your company!

Qred enables financing for your customers

We are proud to cooperate with a broad range of businesses that provide B2B services and products to small businesses. Our ambition is to help you increase the value you provide to your clients, and help your clients in turn reach their goals. Our track record and flexibility often makes it possible for us to create a valued partnership with financing solutions that are tailored to your needs and those of your customers.

Who can become a partner

  • Company brokers and intermediaries
  • Retailers and suppliers
  • Accounting and auditing firms
  • Business advisers and consultants
  • Debt collection, credit and finance companies
  • Programming and IT providers

How it works

  • 1. Register your business
    Provide these details and send - we promise we'll get back quickly with an answer on how to proceed!
  • 2. Start sending leads
    It's easy and smooth to send in potential new customers. We promise to treat your contacts with professionalism, courtesy, and fairly.
  • 3. Get paid directly
    For every lead you provide that takes a loan you'll get a commission. We guarantee fast payment!

Corporate

A word from the CEO

All companies may need some extra cash from time to time. We want it to be easy, fast and safe to get a business loan. That’s why we started Qred.

From the start, Qred received a fantastic reception from tens of thousands of small businesses. It feels almost unreal that it is actually possible to challenge the old established banks without being particularly large or strong. My conclusion is that heart and ambition mean more than muscle and tradition.

We are today one of the fastest growing fin-tech companies in the Nordic region, and we have already lent over SEK 2 billion to the smallest companies. It is money that comes in handy – many of our customers stand without traditional bank financing, even though they are run by competent and skilled contractors.

The banks are stuck in a costly costume and small business owners are seen as inconveniences, and not as partners. According to a recent survey, only every 10th company with up to 20 employees has loans from the bank. At the same time, over 80% of all new jobs in Sweden are created today by small companies.

Qred offers loans to small companies in the Nordic region and in the Netherlands. The loans are relatively small (up to around SEK 1 million), and have relatively short maturities (the loans are normally repaid with up to 12 monthly instalments). By limiting the loan amounts and the credit period, we keep the risk down.

Thanks to our unique scoring model and our large and diversified customer base, we have relatively small and very predictable loan losses, which in turn leads to good profitability.

Welcome to Qred!

Financial reports

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Upcoming reports

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Bond documentation

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Board of directors

Thomas Jansson
Chief Growth Officer & Medgrundare

M.Sc. Accounting (Åbo Akademi University).
Former COO and Business Development Manager at Tact Group.

Andrea Gisle Joosen
Styrelseledamot

Board member since 2019. Born 1964.

Ba & MSc Business Administration & Marketing (Copenhagen Business School).

Chairman of Acast and board member of ICA Gruppen, BillerudKorsnäs and Dixons Carphone.

Mattias Carlsson
Styrelseordförande

Chairman of the Board since 2017. Born 1972.

M.Sc. in Engineering Physics (Uppsala University).

CEO at TF Bank.

Emil Sunvisson
CEO & Medgrundare

MBA (Stockholm School of Economics), M.Sc. Engineering (Royal Institute of Technology in Stockholm).
Former CEO of Cherry.

Jason Francis
vVD, Head of Customer Success & Medgrundare

MBA (Stockholm School of Economics). MA Econ (Duke University).
Former Nordic Strategic Manager at Trygg Hansa and Management Consultant at Oliver Wyman.

Executive management

Andres Sehr
Chief Marketing Officer

Bachelor Comm Finance and Marketing (University of Toronto).
Former CMO at Hedvig, Director of Marketing at Truecaller and Marketing DIrector at Spotify.

Björn Bondén
Chief Credit Officer

M.Sc. Industrial Engineering and Management (Helsinki University of Technology).
Former Pricing & Capital Planning at SBAB, Team Lead Risk at Skandiabanken and Consultant at Oliver Wyman.

Oliver Dolan
Chief Technology Officer & CIO

M.Sc Decision Support & Risk Analysis (Stockholm University) and 1:1 B.Sc. Computer Systems Engineering.
Former Engineering Manager at Worldfavor.

Elina Eriksson
Chief Compliance Officer

Qualified as a solicitor in England and Wales, and the Republic of Ireland (BPP Law School, London).

Former Associate at Hogan Lovells International LLP.

Jenny Arvidsson
Chief Legal Officer

Juris Doctor (Santa Clara University School of Law).

Former Associate at Bird & Bird and Attorney at Pillsbury Winthrop Shaw Pittman LLP.

Thomas Jansson
Chief Growth Officer & Medgrundare

M.Sc. Accounting (Åbo Akademi University).
Former COO and Business Development Manager at Tact Group.

Mia Rosén
Chief Financial Officer

Master’s degree in Economics (University of Borås).
Former CFO at Widespace and Head of Group Accounting at Hoist Finance.

Emil Sunvisson
CEO & Medgrundare

MBA (Stockholm School of Economics), M.Sc. Engineering (Royal Institute of Technology in Stockholm).
Former CEO of Cherry.

Jason Francis
vVD, Head of Customer Success & Medgrundare

MBA (Stockholm School of Economics). MA Econ (Duke University).
Former Nordic Strategic Manager at Trygg Hansa and Management Consultant at Oliver Wyman.

Marianne Winblad von Walter
Chief Human Resources Officer

Bachelor Human Resources Management (Uppsala University).
Former HR manager at Nasdaq OMX, Teracom, Proffice, Red Cross and Dahl.

Bond information

Bond information

  • Senior secured bond
  • Nominal amount: EUR 40,000,000
  • ISIN: SE0012507267
  • Floating interest rate EURIBOR 3m plus 8.5%
  • Matures in June 2022
  • Group ownership: EUR 14,900,000

Press

Contact

For more information, feel free to contact me via e-mail or phone
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Qred in the media

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Newsletter

By submitting my data, I agree to Qred’s processing of personal data. You can read more in our privacy policy.

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