The credit card all businesses deserve

Easy application
Improve your cashflow
Free card, no monthly fee

Whatever your business needs money for, Qred has got you covered.

The business loan

For when you need working capital, to invest in equipment or hire staff.
No startup fee
No hidden costs
Flexible loan terms
Get your business loan here >

The Qred Card

The credit card designed for your business - no matter the size.
Gather all your expenses in one place
No monthly fees or card costs
For businesses of all sizes
Get your Qred Card here >

Qred Factoring

No time to wait for your customers to pay invoices? Sell those invoices to us instead!
You choose which invoices to sell
Payment within 24 hours
Let us handle the collection
Get introduced to factoring here >

You can count on us

We make business financing easy for you

Hassle-free

Applying for financing is simple and straightforward, and only takes a minute!

Stress-free

Sign our offer digitally and get started today!

Fee-free

It’s completely free and non-binding to apply for our services!

Sweden’s most satisfied customers

We could tell you more about our fast processes and personal service. However, we would rather let our happy customers do the talking for us!

Robert, Cafe Owner

"Qred helped me keep what I had when times were tough."

Kenny, Restaurant Owner

"Qred returned after a day and came up with a loan proposal. It felt like a fair deal! "

Joakim & Erik , Construction contracters

"Thanks to Qred, we could lease our company car and pay out salaries."

About Qred

Qred was founded by entrepreneurs for entrepreneurs. With operations in Sweden, Finland, Denmark, the Netherlands, Brazil and Belgium - Qred/Qeld has helped more than 25,000 companies. Right now, Qred is creating ten jobs a day, 7 days a week.

Visit About Qred to read more.

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

Common Questions

Who can apply?

All limited liability business, partnerships, sole proprietorships / traders, and more can apply for financing. 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 evaluate each business individually - the key for us is that there is a solid business idea and qualified business owners behind the company.

How is Qred different?

We've invested heavily in a modern, digital solution, with no expensive branch network. By automating data extraction and through smart analysis of hundreds of data points we are able to quickly get to an evalution of most businesses. As far as we know, nobody else in Northern Europe can approve and pay out a business loan faster than Qred. What's also unique is you only pay for each month you have the loan. Simple and straightforward.

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.

How do I apply for business loan?

It's easy to apply and takes about 60 seconds, and there's no cost to apply. There are 3 easy steps:

  1. Fill in a short form (desired amount, organisation number, e-mail och mobile phone).
  2. Additional information can be sent to improve your offer. During normal work hours you can expect an offer within an hour.
  3. You decide if you want to go forward after you get our offer. Upon approval with BankID we will pay out the loan the same day, normally the same day.

Contact us

We love small businesses. Get in touch and let us know how we can help your company!
07:00 - 17:30 (mon-fri)

Get your business loan within a day!

Applying is free and non-binding
No hidden fees or start-up costs
Same day payout of your loan

Apply here!

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

Sweden's most satisfied customers

  Qred helped me keep what I had when times were tough.

Robert
Café owner

Thanks to Qred, we could lease our company car and pay out salaries. 

Joakim & Erik
Construction contractors

Qred returned after a day and came up with a loan proposal. It felt like a fair deal! 

Kenny
Restaurant owner

Whatever your business needs money for, Qred has got you covered with a fast and flexible business loan! From working capital to new equipment: we'll support you no matter what.

Personal service

Our amazing customer team will be there for you and guide you through every step of the way.

Fixed fee

Each month you pay a fixed fee and amortisation for your loan. There are no interest or other fees.

No lock-in period

There is no lock-in period for our business loans. You will only be charged for the months you use the loan.

No hidden fees

There will be no hidden fees or surprises. Business loans should be fair and easy.

How we make business financing easy for you

Hassle-free

Applying for a business loan is simple, straightforward and only takes a minute!

Stress-free

Sign our offer digitally and we’ll transfer the money within the same working day

Fee-free

It’s completely free and non-binding to request a quote for a business loan!

Frequently asked questions

What does it cost?

The only cost of your business loan is a fixed monthly fee that is individually determined for each company. There are no other fees. Apply now to get a free quote!

Who can apply?

All businesses can apply for our business loan - no matter the size of the business nor the industry. All you need is a registered business that is active.

What can I use the loan for?

No matter what your business needs funding for, Qred has got you covered! We support all business loan purposes from new equipment to working capital.

About Qred

Qred was founded by entrepreneurs for entrepreneurs. With operations in Sweden, Finland, Denmark, the Netherlands, Brazil and Belgium - Qred/Qeld has helped more than 25,000 companies. Right now, Qred is creating ten jobs a day, 7 days a week.

Visit About Qred to read more.

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

Contact us

We love small businesses. Get in touch and let us know how we can help your company!
07:00 - 17:30 (mon-fri)

Receive payment for your invoice within 24 hours

Choose which invoices to sell. Our invoice portal is both easy to use and understand.

How it works

It's your choice which invoices you would like to finance

You can choose which invoices you want to sell and which to add to our service. Our online portal is very user friendly and easy to understand. You will get a full overview of all your invoices and can easily see if they are due or paid.

Invoice purchases

Sell the invoice to us and you will have the money within 24 hours. We always buy the invoice without recourse if your customers are creditworthy. This means that we bear the risk!

Factoring

If your customers are not creditworthy for the amount, you will have the opportunity to finance your invoice with recourse. Furthermore, we will always help you with the collection of invoices.

Invoice service

If you do not need capital right now, you can always choose to put your invoices on service; where we handle the reminders and can forward them to debt collection if needed.

Testimonials

  • Qred factoring is the most transparent and innovative finance company I have ever worked with. Fast payment and first-class service, 7 days a week!
    Peder
    Finance Manager, Construction
  • In the past, I've dealt with finance companies with long agreements and complicated terms. Fortunately, Qred factoring makes things easy. I've always received very good, transparent responses.
    David
    CEO, Media
  • Qred factoring has always there for us when it mattered most: both in good and in bad times. They act swiftly and professionally and have helped us gain access to much-needed capital quickly.
    Roberto
    CEO, Demolition

Direct accounting integrations

Retrieve, send & book

Questions?

We love small businesses. Get in touch and let us know how we can help your company!
07:00 - 17:30 (mån-fre)

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
  • Qred returned after a day and came up with a loan proposal. It felt like a fair deal! 
    Kenny
    Restaurant owner
  • 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!
07:00 - 17:30 (mon-fri)

Help and support

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

Questions about Qred business loans

How do I get in touch?

You can call 020-150 333 or send an email to support@qred.se.

How is Qred different?

We've invested heavily in a modern, digital solution, with no expensive branch network. By automating data extraction and through smart analysis of hundreds of data points we are able to quickly get to an evalution of most businesses. As far as we know, nobody else in Northern Europe can approve and pay out a business loan faster than Qred. What's also unique is you only pay for each month you have the loan. Simple and straightforward.

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.

Who can apply?

All limited liability business, partnerships, sole proprietorships / traders, and more can apply for financing. 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 evaluate each business individually - the key for us is that there is a solid business idea and qualified business owners behind the company.

How do I apply for business loan?

It's easy to apply and takes about 60 seconds, and there's no cost to apply. There are 3 easy steps:

  1. Fill in a short form (desired amount, organisation number, e-mail och mobile phone).
  2. Additional information can be sent to improve your offer. During normal work hours you can expect an offer within an hour.
  3. You decide if you want to go forward after you get our offer. Upon approval with BankID we will pay out the loan the same day, normally the same day.
View all questions

Do I have to pay VAT?

No, the fees are exempt from VAT.

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.

Is there an invoice charge?

No, as long as you choose the default option of PDF-invoice via e-mail. If you prefer a mailed paper invoice there is a 30 kr charge for postage and handling.

What happens if I do not repay the loan?

After you've been reminded and contacted, eventually the loan will be sent to a debt collections company. If your company still cannot pay, you can become personally responsible for the remaining debt.

What happens if I can't pay on time?

You'll get a reminder, and we will reach out. It's important to pay on time to avoid late fees, and eventually debt collections. Moreover, if you pay according to play you can typically apply for additional funds in the future.

Do you take Swish payments?

Yes, to number 123 349 8391. Please provide your invoice number in the message.

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.

Will you take a UC on me privately?

No. We use Creditsafe on the applicant and the business, and double-check limited liability companies (Aktiebolag) with UC. This way no other bank or anyone else knows that we've done a credit check on you personally. This information is very important for us to be able to approve an appropriate offer for your company.

Who regulates Qred?

Qred AB is a payment institution regulated by the Swedish Financial Supervisory Authority. Qred Factoring AB is a financial institution registered with the Swedish Financial Supervisory Authority. Our operations are regularly audited by independent authorised auditors.

Do you save my password?

Yes, in encrypted form, for maximum security. This is why you have to create a new one if you forget your password. Please choose a password that nobody else knows or can easily guess, with letters, numbers and special symbols.

Come on, there must be hidden fees?

Nope. At Qred, transparency is at the heart of our values and where we think we raised the standard in the market.

What is Qred?

Qred is a business financier focused on solving big problems for businesses of all sizes, allowing them to focus on building what they love. We create simple products that take the pain out of managing everyday finances. We have operations in six markets and provide financial services through business loans, factoring and our credit card.

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.

What does Qred mean?

Qred (pronounced ”cred”) is a play on words with the word credit and the expression cred, that is to show someone respect or honor.

Questions about Qred card

Getting started

How do I apply for the Qred card?
We are delighted to announce that the Qred Card is finally available! Apply for your very own credit card for businesses from Qred here. Making an application is free and non-binding. You will receive a response within the hour, sign with BankID and as soon as you have signed (along with any additional signers if applicable) we will deliver your Qred Card within 3-4 business days. Apply for your Qred Card today!
How do I activate my card?
To activate the card, you need the Qred app. It can be downloaded in the Appstore or on Google Play.

Once you have your card, click "Activate my card" in the Qred app and enter the last four digits of the card number.
How does the card work?
The credit card provided by Qred can be used for business purchases both online and offline. You will receive a plastic VISA card with a credit limit. You will be able to monitor your card spending, set spending limits and block the card using the Qred App.
How much does it cost?
Both signing up and getting a card is free and there is no monthly fee to have a card. Purchases have on average 30 days interest free. Once a month you will receive an invoice with 14 days to repay. You can choose if you want to pay the invoice in full (0% interest) or split it over time. If you split the payment, a company specific interest will be added, starting at 1.95%/month. Your company interest rate will be calculated for you once you have requested a card. Visit our pricing and fx rates page here for more details.
View all questions

Secure Card Usage

How can I ensure I use my card securely?
Here are some guidelines for using your card safely:
- Do not reveal your PIN to anyone
- Do not write down your PIN on or next to the credit card
- If you suspect that someone has obtained your PIN code or that an unauthorized person has used your card, report it immediately to Qred's customer service
- Do not share card details with a merchant whose reliability you find suspect
- Avoid using unknown computers or unknown online shopping software
- Make sure you keep track of your card's transaction history to make sure everything is in order
- Only approve the transactions you recognize, contact us in regards to others Use limited access to e-wallet with PIN code, password or other extra security solution.
- Don’t forget to block your card if you’ve lost it

But if the accident still occurs: What do I do? Below you will find frequently asked questions about what to do if someone used your card or got information about your PIN.
I've lost my card - what should I do now?
In order to ensure that no unauthorized person will be able to use your card, it is important that you block the card by blocking it in the app and calling our customer service to order a new one.
I can not find my card, but I'm not sure I lost it. What should I do?
Better safe than sorry, if you cannot find your card you should block it. In the Qreds app, you can lock the card temporarily, which can give you time to find the card. To do this, go to "Card settings" and then "Block card". This blocking is reversible in case you would find your card 
But if you do not find the card, we kindly ask you to contact Qred's customer service to order a new one.
How do I block my card?
To block your card, follow these steps:

- Open the app
- Identify yourself
- Go to the Card screen
- Click on Modify card settings
- Click on Block card
- Activate Block card
- Confirm

N.B! The blockage in the app is only temporary and you need to call customer support to block your previous card permanently and order a new one. 
How long does it take for my card to be blocked?
When you have confirmed the blockage the card is instantaneously blocked. N.B! The blockage in the app is only temporary and you need to call customer support to block your card permanently and order a new one.
How do I file an unauthorized transaction?
To file complaints about an unauthorized transaction, use this form. Remember to block your Qred card if you suspect that someone unauthorized has used it or gained access to the card information.

Other

How do I change my PIN?
There is currently no way to change your pin. If your pin has been compromised, you need to block your card and order a new one.
What if I have forgotten my pin?
You can view your pin in the app by following these steps:Open the appIdentify yourselfGo to the card screenClick on the cardClick on View pin
How do I cancel my card?
Call Qred’s customer support to permanently terminate your card. You can block your card temporarily in the Qred app.
Can I use the card abroad?
Yes, the Qred Card can be used everywhere Visa is accepted. Read more about our exchange rates here.
Can I use my physical Qred card at an ATM to withdraw cash?
No. Cash allowances are not available on business cards.

Questions about Qred App

Getting started

Do I need the app?
If you have the Qred app, yes. That is where you will activate your card, block the card if anything goes wrong, see your transaction history, and much more.
Do I need a card to use the Qred app
Yes, you will activate your card within the Qred app
Does the app cost anything?
No, the app is totally free of charge.
Do I need BankID ?
Yes, you need BankID to verify your identity and sign in.
View all questions
Do I need to connect my bank account?
No, you don’t need to connect your bank account to the Qred card or the app.
Do I need a company to get the app?
No, but in order to apply and use the card you need a company
Where do I download the Qred app?
The Qred app is available on the App Store as well as on Google Play.
How do I connect my card?
You will need your physical card in order to connect your card to the app. Once you have received the card, you need to click on “Activate my card” in the home screen and then just enter the last four digits of your card number.

App features

Can I set a spending limit?
Yes, you can set a 24h spending limit. For example if you set a 1,000 EUR spending limit, you can perform as many transactions as you wish during those 24h, as long as the sum of these transactions does not exceed 1,000 EUR over 24h.
Can I connect more cards to the same app?
Currently the Qred app does not support multiple cards in one app or multi users of the same card / account.
Can I see my other qred related things/products?
As of today the app only displays card related information. We will soon release other features, such as the ability to view your loan information.

Help

Who do I contact if I have problems with the app?
You are welcome to contact our customer success team at:
Tel: 020-150 333
Email: support@qred.se
Or directly via the chat.
What if I have forgotten my pin?
You can view your pin in the app by following these steps:
- Open the app
- Identify yourself
- Go to the card screen
- Click on the card
- Click on View pin

Questions?

We love small businesses. Get in touch and let us know how we can help your company!
07:00 - 17:30 (mon-fri)

Qred enables financing for your customers

Help your customers invest and grow by offering flexible financing - become a partner with Qred today! With Qred as your partner, you can help your customers invest and grow thanks to fast, fair and flexible financing. In addition, you increase your own income with our partner commission.

What does Qred Partnership mean?

Being a partner of Qred means that you are rewarded for helping other entrepreneurs find quick and reliable financing for their business needs. We provide flexible business loans without start-up fees or hidden costs, helping entrepreneurs build their future with the right financing opportunities. Our partners help us reach more business owners with direct financing needs. It can be as simple as a supplementary down payment loan for leasing a company car, stock financing or the purchase of products and services. Whatever your financing needs, Qred offers the tools to make your business better by enabling financing for your customers as an additional service. Plus, we reward you - our partner - with a commission for each successful referral (accepted loan), making a partnership with Qred the smart choice for both you and your customers.

Benefits of a Qred Partnership:

  • Opportunity to sell more products / services to other businesses
  • Less friction,
    more conversions
    in your sales pipeline
  • Zero cost, zero commitment, zero effort - only rewarding opportunities
  • Commission on each successful referral (approved loan)
  • Qred is fully responsible for the financial risk

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

Get started in a day

It is as easy to become a partner of Qred, as it is to apply for a business loan with Qred. Contact our partnership team to find out more about the profitable possibilities for you and your customers.

Helena Rissel

Partnerships Manager
helena.rissel@qred.com

How would you like to onboard customers?

We offer partners two ways of onboarding customers into Qred:
Application Form
Add the Qred widget script to your page. You can also customize- and add your logo and branding if desired.
An onboarding application form will automatically be generated for you.
or
API
Integrate your software with the Qred API.
Your service will be able to directly interface with the Qred API in order to onboard new customers.

Need additional help?

Landing pages
We'll build and host a dedicated landing page for your customized application form.
or
Partner portal
Gain access to our partner portal, where you'll be able to add customers directly via a web interface!

  • The best thing with partnership with Qred is the mutual desire to drive things forward. I highly recommend contacting Qred if you are interested in additional earnings. As a partner they are very flexible.
    Jarno Paananen
    Myyntiapu
  • Marketing often requires a significant investment before getting results. With Qred, clients can split the cost of the investment over several months which makes the purchase decision easier for them. That way we can kick off faster and start getting the results.
    Eero Peurala
    POPUP AGENCY

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!

Answers to common questions

How do I become a partner of Qred?

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 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 Qred partnership. If you or your company cater to the business market, not the consumer market, you can become a Qred partner and help other businesses find the right financing for your products.

What are the advantages of a partnership with Qred?

As a partner of Qred you enjoy multiple benefits. Firstly, you are eligible for a commission on each successful referral (accepted loan). Secondly, a partnership with Qred 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 Qred 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)
  • Less friction, more conversions in your sales pipeline
  • Help your customers find quick financing for your products and/or services
  • Expand your business reach and broaden your customer base
  • Qred 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 Qred 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. 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 Qred for business loans and financing.

Who is Qred?

Qred 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 does a partnership with Qred work?

A partnership with Qred 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 Qred and encourage them to submit a non-binding and free loan application. If Qred 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.

Investor relations

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!

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.

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 11,200,000

Press

Contact

For more information, feel free to contact me via e-mail or phone

Andrea Romander

Head of PR
Qred AB
andrea.romander@qred.com
+46 730 926 607

Regulatory communications

Whitepapers

No items found.

Qred in the media

Press Materials

Qred gives back

Powering businesses is something that we do in our everyday work. As we speak we are powering more than 10,000 businesses and by doing so we have helped create more than 5,000 new jobs.

But we want to make a change everywhere. This is what we are doing to change the world, little by little.

Powering entrepreneurs all over the world

Today, many people in the world live in poverty and lack the basic needs such as food, housing, access to health care or basic education. However, poverty is about so much more than a lack of money. It can be about living with very small margins and not being able to afford to let the children go to school or seek medical care in the event of illness and not have influence over their own lives and future. This is where Hand in Hand helps people make their own living conditions - with their own power but with our help.

Both Qred and Hand in Hand believe that entrepreneurship is the way out of poverty. So together with Hand in Hand, Qred is sponsoring Ngusishi Village in Kenya. In the village the residents are taught how to run and develop their own businesses. So far we have mobilized 11 groups in Ngusishi village with 291 members, 87 % of whom are women. The goal is to have a total 350 living in the village by the end of the project.

Together, these members support 1,230 dependents, mostly children.

Women are of central importance in development work, where they have an important social and economic impact on both the family and society. Educating and empowering women is the key to fighting poverty: Studies show that women generally invest 90 percent of their income on family well-being, the corresponding figure for men is 30-40 percent.

Stats

  • Number of Self-Help Groups mobilised
    Target: 18
    Progress: 11
  • Total number of residents trained
    Target: 350
    Progress: 291
  • Percentage of female members
    Target: 80%
    Progress: 87%
  • Number of enterprises created/enhanced
    Target: 200
    Progress: 212
  • Number of jobs created in the village
    Target: 300
    Progress: 326

Breakit Impact Challenge

At Qred, we value sustainability high. To become a more environmentally friendly organization is a high priority and we want to act as sustainable as possible.

We participated in the BreakIt Impact Challenge in both  2019 and 2020, where you during five weeks get different challenges to become more green. The different steps are:

Stats

  • Climate friendly travels
  • A sustainable workplace
  • Green suppliers
  • Sustainable business model
  • Climate compensation

Say hello to your company’s new credit card

→ The easiest way to pay
Money in your pocket when your business needs it

Everything is easy with Qred

Easy sign-up and application
Free card, no monthly fee
Gather all expenses in one invoice

Handle everything (!) in the app

→ Activate your card: Just a few clicks and you are ready to go
→ See all expenses: Never again have to carry a wallet full of receipts
→ Manage card settings: View PIN, set daily spending limits
Apply here!

We also made a cool video - check it out here!

Reviews

This was supposed to be a comparison square, but there are no other cards to compare ours to!

Without Qred
With Qred
  • Suitable for small businesses
  • Financing for every day costs
  • Sweden's most satisifed customers according to Trustpilot
  • It's free - we'll send you a free business credit card with no monthly fee.
  • It's fast - don't waste time on a long application process. Ours only takes 1 minute.
  • It's safe - we're licensed by S-FSA, so you're in good hands.
  • It's universal - and can be used everywhere Visa is accepted.
  • It's reliable - with Sweden's most satisfied customers according to Trustpilot.

More

Money in your pocket when your business needs it

Got more questions?No worries, here is our FAQ that can help you out!

How does the card work?
The credit card provided by Qred can be used for business purchases both online and offline. You will receive a plastic VISA card with a credit limit. You will be able to monitor your card spending, set spending limits and block the card using the Qred App.
How do I apply for the Qred card?
We are delighted to announce that the Qred Card is finally available! You can now apply for your very own credit card for businesses from Qred. Making an application is free and non-binding. You will receive a response within the hour, sign with BankID and as soon as you have signed (along with any additional signers if applicable) we will deliver your Qred Card within 3-4 business days. Apply for your Qred Card today!
How much does it cost?
Both signing up and getting a card is free and there is no monthly fee to have a card. Purchases have on average 30 days interest free. Once a month you will receive an invoice with 14 days to repay. You can choose if you want to pay the invoice in full (0% interest) or split it over time. If you split the payment, a company specific interest will be added, starting at 1.95%/month. Your company interest rate will be calculated for you once you have requested a card. Visit our pricing and fx rates page here for more details.
Can I use my physical Qred card at an ATM to withdraw cash?
No. Cash allowances are not available on business cards.
What is Qred?
Qred is a business financier focused on solving big problems for businesses of all sizes, allowing them to focus on building what they love. We create simple products that take the pain out of managing everyday finances. We have operations in six markets and provide financial services through business loans, factoring and our credit card.

More about our Qred Card

Pricing and exchange rates for purchases in foreign currency.
Pricing and FX rates>
Visit our FAQ page for questions and support.
Card support>
Read our general terms & conditions
Terms & conditions>

Questions?

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

We are available 07:00-17:30 (mon-fri).

Welcome to the Qred app

Manage everything related to your Qred card in one place.

Download Qred's app to get started with your credit card today!

Get started in 3 simple steps!

1. Download
Download the 'Qred' app from App Store or Google Play.
2. Activate
Activate your account and your credit card with BankID.

3. Done 
Your credit card is now ready to be used. Told you - it is super simple! 

This is the Qred app

In the Qred app you can manage and keep track of everything related to your Qred Card.

Within the near future the app will be updated with even more features connected to all Qred’s products and services.

See all expenses

The app gathers all purchases made with the Qred Card to make it easy for you to keep track.

Activate your card

Activate your new Qred Card and start using it!

Manage your card settings

Set daily spending limits and block your card if needed.

Got questions?
Here are our most frequently asked ones!

Do I need the app?
If you have the Qred app, yes. That is where you will activate your card, block the card if anything goes wrong, see your transaction history, and much more.
Who do I contact if I have problems with the app?
You are welcome to contact our customer success team at:
Tel: 020-150 333
Email: support@qred.se
Or directly via the chat.
How do I connect my card?
You will need your physical card in order to connect your card to the app. Once you have received the card, you need to click on “Activate my card” in the home screen and then just enter the last four digits of your card number.
How do I block my card?
Follow these steps:
1. Open the app and identify yourself
2. Go to the Card screen and click on Modify card settings
3. Click on Block card, Activate Block card and Confirm
Can I set a spending limit?
Yes, you can set a 24h spending limit. For example if you set a 1,000 EUR spending limit, you can perform as many transactions as you wish during those 24h, as long as the sum of these transactions does not exceed 1,000 EUR over 24h.

Download the Qred app

Download the Qred app via the App Store or Google Play to get started with your Qred card today!

Questions?

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

We are available 07:00-17:30 (mon-fri).

Having trouble with your Qred Credit card?

We are sorry to hear that you need to visit this page in the first place and we promise to do what we can to help you out. 
Use the form below to tell us what has happened. After that you will be contacted by one of our customer service employees within three working days.  And we will help you sort out the rest.

N.B! In case your card is lost or stolen: remember to cancel your card in the app or by calling our customer service to avoid that anyone else uses the card.

🇸🇪 Sverige
🇳🇱 Nederland
🇫🇮 Suomi
🇩🇰 Danmark
🇧🇪 België
🇧🇷 Brazil
mTagManagerEnSe