Business loans up to
2 million

No lock-in period
No hidden costs
Payout within minutes
Fixed monthly fee

Get a non-binding quote

How much would you like to borrow?

kr0

I understand that Qred processes my personal information in accordance with our Privacy Statement.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
A good dialog with Qred enabled us to get started.

- Carsten, Daugbjerg limestone mines
Thanks to Qred, I was able to keep my business running during a tough period - Rudi, Restart Heart
Qred is a partner for the company - Nader, Rajissimo

What do you need money for?

Either way, we're here to help you and your business!

Hire more people

Increase or develop production

Say yes to more customers tomorrow

Business loans up to 2 million

For those who are ready to grow their business today!
Apply and get paid within minutes.

Frequently asked questions

What is the interest rate on a business loan?

The business loan is interest-free. You pay a fixed monthly fee for the months you use the loan. This means that you pay a monthly fee for each month or part thereof. There are no additional fees on top of this.

The monthly fee is based on an individual credit assessment of the company and its owners. The company's credit rating is based on several different parameters, and we assess and analyze each individual application.

What happens if I can't repay the loan?

You will first receive a reminder that we need your payment. On an ongoing basis, you will receive further reminders. We encourage you to contact us as soon as you realize you have a problem with a payment so that we can work together to find a solution that suits both parties.

If no agreement is reached, we will have to refer the case to debt collection via our legal liaison.

How does Qred differ from other business loans?

Qred offers an alternative and flexible solution for businesses. Using modern technology and algorithms, we can analyze data from hundreds of sources to make a solid assessment of the applicant's business. Quickly and efficiently. For Danish businesses, this means that it now takes just one minute to apply for a business loan and the money is disbursed quickly after signing. No other company approves and disburses business loans faster than Qred. In addition, Qred offers a new repayment solution, which means that you only pay for the loan for the time you actually have it. This means that you are never tied to a loan with us and can repay the loan at any time at no extra cost.

Who can apply for a loan?

All Danish limited liability companies, private limited companies, sole proprietorships, personally owned small businesses and partnerships can apply for a loan. It doesn't matter whether your business is new or old, large or small - we have helped businesses in all industries. We carry out an individual credit assessment of each business. The most important thing for us is that there is a good and sound business concept and skilled entrepreneurs behind the business.

We've made it easy

Applying for a business loan with Qred is completely free and without obligation. You avoid hidden fees and unexpected costs by only paying a fixed monthly fee. Calculate your estimated monthly fee by filling out an application here.

Simple and flexible
Personal service
Fast payout

Do you have any questions?

Talk to us about what you need.
08:00 - 17:00 (Mon-Fri)
Phone
89 87 10 06

Email
support@qred.dk

Chat
Write to us

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.

Flexible

There's no need to drag things out, so if you have the option to pay off the loan early, no problem!

Safe

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
  • Renovate
  • 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.

Interest-only mortgage

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 things to keep in mind before applying for a business loan:

  1. 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?

  2. 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.


  3. 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.

Read more
Fast process
Transparent
No start-up costs