Your business loan is ready

No hidden fees
No set-up cost
No lock-in period

Qeld 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, Qeld was listed as the fastest-growing company in Sweden by the Financial Times. Our goal is all about empowering you.

Frequently Asked Questions

Who can apply?

All Dutch limited liability business, partnerships, sole proprietorships / traders, and more can apply and be approved a loan, as long as the valid chamber of commerce number is presented and the director or the company is resident in the Netherlands. It can be a proud, old business, or a brand new startup, large or small. We work with businesses in virtually every industry, from north to south - even businesses with a checkered credit history can qualify. We evaulate each business individually - the key for us is that there is a solid business idea and qualified business owners behind the company.

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.

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.

Questions?

We love all businesses. Get in touch and let us know how we can help your company!
08:00 - 17:00 (mon-fri)

Calculate your loan

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.

Contact

We love small businesses. Get in touch and let us know how we can help your company!
08:00 - 17:00 (mon-fri)

Every business needs help once in a while...

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

Qeld at a glance

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

Testimonials

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

The Story of Qeld

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 Qeld

About the team

Career Opportunities

Contact

We love all businesses! Get in touch and let us know how we can help your company!
08:00 - 17:00 (mon-fri)

Growth Blog

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Help and support

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

Contact

We love small businesses. Get in touch and let us know how we can help your company!
08:00 - 17:00 (mon-fri)

Qeld 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.

Kelvin Seppenwoolde

Partnerships Manager
kelvin.seppenwoolde@qred.com

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!

FAQ

How does a partnership with Qeld work?

A partnership with Qeld is your ideal opportunity to be rewarded for helping other businesses (and your customers). The concept is simple: do you know any entrepreneurs in need of a business loan? Refer them to Qeld and encourage them to submit a non-binding and free loan application. If Qeld makes them an offer and they accept, you - as the referral partner - are rewarded by a commission. This means that you can help other businesses find quick financing to purchase your products and services, expanding your customer base and reach whilst getting rewarded in the process. 


Who is Qeld?

Qeld is an expert in business loans and company financing. Founded in 2015, Qred’s mission is to power entrepreneurs and help businesses grow, invest and expand. We provide flexible business loans without start-up costs, hidden fees or hassle: exactly how business lending should be. 


How do I become a partner of Qeld?

Signing up as a partner is as easy as applying for our business loans! You can simply indicate your interest via our Partner page by clicking on the button ‘Become a partner’ and provide us with your company details and contact information. Our partner manager will then take your application into immediate consideration and reach out to discuss the opportunities further. 


Who can become a Qeld partner?

Businesses that sell goods and/or services to other businesses, for example, lease companies, IT-services, inventory and business supplies, professional cleaners, financial advisors, etc. are eligible for a Qeld partnership. If you or your company cater to the business market, not the consumer market, you can become a Qeld partner and help other businesses find the right financing for your products.


What are the advantages of a partnership with Qeld?

As a partner of Qeld you enjoy multiple benefits. Firstly, you are eligible for a commission on each successful referral (accepted loan). Secondly, a partnership with Qeld is the ideal opportunity to expand your business reach and broaden your customer base. For example, do you sell goods or services to other businesses, like company vehicles, IT-services or supplies? Then a partnership with Qeld helps your customers find quick and reliable financing to purchase your products. Our partners help other businesses grow, invest and innovate, whilst getting rewarded for it: it’s a win-win-situation for all. 

Advantages partnership: 

  • Commission on each successful referral (accepted loan)
  • Attractive growth opportunities in a competitive market
  • Help your customers find quick financing for your products and/or services
  • Expand your business reach and broaden your customer base
  • Qeld is fully responsible for the financial risk: you have zero risk or liability
  • Become affiliated with the 8th fastest growing company in Europe
  • Take advantage of expertise on how to maximise your partner potential



What are the costs associated with Qeld's loans?

Qred does not have a standard interest fee, instead, we make individual assessments for each company - offering them a personalised quote that best matches their needs. Qred does offer full transparency and easy-to-understand loan terms. For example, we have no start-up costs, hidden fees and don’t work with lock-in periods. Instead, customers have the option to repay the loan in full at any time, giving entrepreneurs the option to remain in control of their finances.

So, what do our customers pay monthly? We charge a standard service fee for our loans (based on loan term, individual credit rating and amount), combined with a standard amortisation fee. Combine the two (service + amortisation) and those are the standard monthly payments, without unexpected surprises. Clear, easy and transparent: that is why savvy entrepreneurs choose Qeld for business loans and financing. 


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

Sean Cory

Chairman of the Board since 2021.
Managing Partner Northern Europe, previously Market Leader for Nordics, Russia, Central & Eastern Europe, at Oliver Wyman.
Former Managing Director at KPMG Consulting.

Thomas Jansson

Boardmember since 2015.
Chief Growth Officer and co-founder
M.Sc. Accounting (Åbo Akademi University).
Former COO and Business Development Manager at Tact Group.

Andrea Gisle Joosen

Board member since 2019.  
Ba & MSc Business Administration & Marketing (Copenhagen Business School).
Chairman of Acast and board member of ICA Gruppen, BillerudKorsnäs and Dixons Carphone.

Emil Sunvisson

CEO and co-founder
Board member since 2015.
MBA (Stockholm School of Economics), M.Sc. Engineering (Royal Institute of Technology in Stockholm).
Former CEO of Cherry.

Jason Francis

Vice CEO and co-founder.
Boardmember since 2015.
MBA (Stockholm School of Economics). MA Econ (Duke University).
Former Nordic Strategic Manager at Trygg Hansa and Management Consultant at Oliver Wyman.

Executive management

Marcus Uggla

Chief Product Officer
MSc in Accounting and Financial Management (Stockholm School of Economics).
Former Senior Product Manager at Klarna, Digital Director at Departments & Stores Europe and COO at Campadre.

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.

Oliver Dolan
Chief Technology Officer & CIO

M.Sc Decision Support & Risk Analysis (Stockholm University) and 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 and co-founder

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 and co-founder
Board member since 2015.
MBA (Stockholm School of Economics), M.Sc. Engineering (Royal Institute of Technology in Stockholm).
Former CEO of Cherry.

Jason Francis

Vice CEO and co-founder.
Boardmember since 2015.
MBA (Stockholm School of Economics). MA Econ (Duke University).
Former Nordic Strategic Manager at Trygg Hansa and Management Consultant at Oliver Wyman.

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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Press communications

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Qeld in the media

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