Here you can find various documents related to your business loan.
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What is an interest-free period?

With a amortiziation free month, you only pay the monthly commission. This means you do not pay off your on the outstanding principal.

This will extend your business loan by another month and ultimately mean that the loan will be one month's fee more expensive than the original agreement. Unless, of course, you pay more in the other months and make it up.

When will I get an answer?

Once you have submitted your business loan application, we will endeavor to contact you within an hour. You will then be sent an offer to be signed with MitID. We disburse the money quickly after signing.

How much does it cost to take out a business loan?

There are no upfront costs for a business loan with Qred. When you sign a loan agreement, the first payment is due 30 days later. Here you pay an installment and a monthly fee for the month you have had the loan. This will continue until the entire loan is repaid.

Do I have to pay VAT?

No, it is not. The monthly commission is exempt from VAT. We recommend that you contact your own accountant for further accounting questions.

When should the loan be repaid?

You pay once a month.

For example, if you took out the loan on the 13th of a month, then the first payment is due on the 13th of the following month. We will send you an invoice approximately 10 days before the due date.

If you can pay more than a regular invoice, you always have the option to do so and thus pay off the loan early.

How do I contact Qred?

You can call us on 8987 1006 or send an email to You are also welcome to contact us via chat on weekdays between 08:00 and 17:00.

Who controls Qred?

Qred is registered with the Danish FSA under the Danish Anti-Money Laundering and Terrorist Financing Act, and our activities are reviewed by an authorised auditor.

Are you keeping my passwords?

No, we do not store passwords. At Qred, you only log in with MitID.

Are there any hidden charges or fees?

No. At Qred, transparency is one of our core values. We take pride in the fact that our services and conditions are easy to understand for everyone. You can read more about our terms and conditions here.

What is Qred?

Qred is a new way to borrow money. All Danish companies can apply to borrow up to DKK 2,000,000 from Qred, bypassing traditional banks. Usually, you will be notified within an hour and we pay out the money the same day. You pay a fixed amount every month and there are no hidden fees. You can repay the entire loan at any time without any additional costs. At Qred, you only pay for the loan during the months you actually have it. The monthly fee is individual and depends on your credit rating. After each month, you pay a monthly fee and principal repayments. There are no interest or fees.

What is required to get a business loan?

We make a holistic assessment of each application. The most important criteria are the company's ability to handle future payments and that the loan amount is reasonable in relation to the company's size and turnover. Unfortunately, there are some cases where we cannot approve a loan application. This may be the case, for example, if the business owners have not managed the company's finances properly, have too much debt or too many payment defaults. We always require that the business owners are personally liable for the business loan as a guarantor.

What does Qred mean?

Qred (pronounced 'kred') is a word game between the word credit and the English term "to give someone credit for something", which is comparable to giving someone pondus, or that one recognizes someone for something.

How is the money paid out?

The loan is paid out through Trustly, which allows us to transfer the loan amount quickly after signing the contract. This means that you will have the money in your bank account within one business day.

How do I apply for a loan?

Applying for a business loan has never been easier or faster!

Here's how to do it:

  1. Fill out an application in minutes
  2. Connect to eSkat
  3. A credit check is performed
  4. You receive a loan offer
  5. Sign loan offers with MitID
  6. Money is paid out within 1 hour

Applying for a loan is completely free and without obligation.

If you're still wondering if a loan is the right solution for you, feel free to contact us at or call 89 87 10 06.

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