Getting a business loan has never been easier!
At Qred, everything is digital and it takes no more than a few minutes to fill out an application, no matter the industry or size of your business.
Fast application process
It takes just a few minutes to fill out an application and if you do it during business hours, we'll get back to you within an hour. If everything looks good, you'll receive an offer right away. As soon as you have signed the loan offer with MitID, the money will be disbursed within 24 hours.
There's no need to drag things out, so if you have the option to pay off the loan early, no problem!
We meet the same security requirements as all other banks.
All communications are encrypted by Geotrust, a leader in online cyber security. You can read more about our security policy at the bottom of the page, and if you have any further questions, you are always welcome to contact us.
What can I use a business loan for?
The sky is the limit when it comes to usage of your loan. We help you put out fires just as much as we help you grow and achieve your dreams and ambitions. Among other things, we have helped other companies to:
- Stock up for peak season
- Buying tools and materials
- Invest in premises or company cars
- Pay your bills
- Educate staff
- Boost your marketing
Can I increase my existing loan?
Yes, you can! You can either apply via the website or give us a call to discuss the best solution for you and your business. There is no cost to increase your loan and it will be on the same terms as your existing loan.
What are the requirements for increasing the loan?
We need to see that you have met the due dates of your repayments. In addition, you can add a guarantor to increase your chances of being granted an increase in your business loan.
Will I have to keep track of two loans?
No, we merge the two loans so you only need to keep track of one business loan. Please note that when you apply for an increase, the difference between your current loan and the amount of your increase will be paid out. For example, if you have a remaining loan of 30,000 DKK and apply for an increase of 100,000 DKK, you will be paid 70,000 DKK
Can I pay off my loan early?
Sure you can! It will even save you money! You can prepay your loan at any time at no extra cost. If you pay off your business loan early, you save the fixed monthly fee that would otherwise be charged for the remaining term.
During certain periods, the costs are extra high. That's why we often have the opportunity to offer installment-free payments for a limited period of time. During the grace period, you only pay the fixed monthly fee.
Can I apply for a business loan even if I am registered in RKI?
No, as long as you are in RKI, you cannot take out a business loan with us. Once you are no longer registered in RKI, you are always welcome to send us a non-binding application. The answer to your application will be determined based on an overall assessment of your finances.
What should I consider before applying?
It's always wise to make some considerations before applying for a business loan. We've compiled some of the most important questions to ask yourself:
- Is now the right time to invest in my business?
- Is my business ready to grow?
- Is there room in my budget for repayment?
As a business owner, there are many parameters to keep track of. Not least when it comes to finances. Everything from deadlines for reporting and paying taxes, VAT, ATP, Holiday Account to income and expenses.
If you're in control of your finances, you're in a better position to assess whether there's room in your budget to invest, expand or invest in new products and markets.
When applying for a loan, it is therefore important to consider in advance how much you actually need and what you may have available from your own capital.
Whether it's stocking up on inventory for peak season, ramping up marketing or investing in more square footage, you need to have an overview of what your financial future will look like.
The more you think about what you want to spend your money on, the better we can help you find the right solution.
3 konkrete ting at have styr på, inden du ansøger om et erhvervslån:
- What will the money be used for?
Will it increase my revenue immediately or will it take some time before I can reap the benefits of the investment?
- How does loan repayment affect my budget?
Make a realistic plan for how long you need to repay your loan. Set the amount a little too low and the repayment period a little too high so that you don't end up in a situation where you can't pay your bills. If you are given the option to pay off your loan early, you can do so at no extra cost.
- Is itpossible to save a part of the amount myself?
It's always best to be ahead of the game, so if you already have projects on the drawing board, it's obviously a good idea to start saving now. This will put you in a better position to raise the amount you need, hopefully with a smaller loan.
If you have problems with payments?
If you're struggling to pay for a month or two, speak up! It's much easier to look for a solution than having to deal with reminders and the warning of RKI and debt collection. We often have the ability to adjust the payment period and, above all, we want to be a support and not another stress factor for you.