A loan for your business from € 5.000 up to € 500.000 for all types of businesses, regardless of what you excel at. All entrepreneurs deserve a boost!
Fast application process
Payout within 24 hours
Fully repayable at any time
No matter what you need, we've got the financing fit for you! These are just some examples of how a Qred business loan can help you reach your goals:
We'll help you buy materials or hire professionals to help you make your bigger plans and projects become a reality.
Level up your business with new equipment, machinery or software - we all need an update occasionally.
It happens to all of us! Cover unexpected costs such as repairs, tax payments, or simply a gap in your cashflow.
Our Trustpilot reviews speak for themselves. With Qred, you don't have to choose between speed and service. Discover why over 50,000 entrepreneurs chose Qred for flexible financing.
The TrustScore is calculated based on all reviews on Trustpilot and takes into account authenticity, number and star ratings. We invite all customers to leave a review.
Qred Bank corporate loans are fast, secure and easy. You get by without hidden fees and unnecessary obligations.
A business loan is a financing solution for companies that need capital for various purposes — whether managing cash flow or financing growth projects.
Types of business loans
There are various types of corporate loans. The best choice always depends on your company and its specific needs.
Large traditional banks
Traditional banks often require an appointment with an advisor in a branch. This process can take several days or even weeks before you get a response. In addition, the application is often lengthy and complex.
In addition to personal and first-class customer service, you can process everything, from application to payout, completely digitally.
A business loan can be useful in many situations. Regardless of whether you want to overcome a temporary economic downturn or expand your business: Qred Bank supports you as an entrepreneur.
Requirements for a business loan application
You need a German bank account and a place of residence in Germany.
Documents required for a business loan
As soon as you have submitted your application, you can start uploading the necessary documents to give your company the best possible assessment. We always need up-to-date figures and data.
Depending on your needs, there are various alternatives for business loans. For many small, ongoing expenses, a credit card can be a good option. Factoring and selling invoices can be a solution for liquidity problems. Some banks and lenders also offer overdraft facilities. This can be useful if you're looking for solid emergency security.
For your private finances (mortgages, bills, insurance, etc.), you usually use a house bank — often a large, traditional bank. Many entrepreneurs prefer to separate their private finances from their business ones. At Qred Bank, we offer you personalized and first-class customer service!
What you should pay attention to when choosing a business loan
There are many factors to consider when taking out a business loan.
Qred Bank business loans: No hidden fees!
Many banks and lenders charge set-up fees, administrative fees, early repayment penalties, and other hidden costs. Not with Qred Bank!
We are a modern bank that wants to make life easier for small business owners by offering a fixed monthly installment as the only loan fee. That is all.
Founded in 2015 by entrepreneurs for entrepreneurs, Qred has quickly become the bank for small businesses. Qred is a market leader in the Nordics and also has operations in the Netherlands, Belgium and Brazil.
Qred is excited to support small businesses in Germany because we believe that small businesses are the backbone of the economy. They deserve better service and solutions that are truly tailored to their needs. Our dedicated team will be ready to accompany these German businesses on their path to growth.
We use WebID to make identification easy
We use Trustly for secure and fast payments
We use Creditsafe for responsible financing solutions
Moritz, our Country Manager for Germany, and his team have answered our most frequently asked questions here:
Um eine fundierte Kreditentscheidung treffen zu können, benötigen wir Unterlagen, welche uns ein solides Verständnis über die aktuelle Lage sowie die finanzielle Entwicklung Ihres Unternehmens vermitteln, sowie einen Überblick über Ihre Umsätze erlauben. Abhängig von der Unternehmensform sowie Kredithöhe kann ein Einblick in die persönlichen Steuerunterlagen ebenfalls notwendig sein.
Ganz gleich, ob Sie den Firmenkredit für Betriebskapital, Marketingmaßnahmen, Investitionen in Wachstum und neue Maschinen oder zur Vorfinanzierung von Projekten nutzen möchten – wir stehen Ihnen zur Seite. Beantragen Sie einfach Ihren Kredit, unterzeichnen Sie das Angebot digital und erhalten Sie das Geld noch am selben Tag.
Alle Unternehmensformen aus allen Branchen können einen Firmenkredit beantragen. Egal, ob Sie Autohändler, Restaurantbetreiber oder Arzt sind, ob Sie im Baugewerbe oder in der Industrie tätig sind – es spielt keine Rolle, ob Ihr Unternehmen groß oder klein ist, ob es im Handelsregister eingetragen ist oder nicht. Jedes Unternehmen kann einen Antrag stellen. Alles, was erforderlich ist, ist, dass Ihr Unternehmen seit mindestens sechs Monaten aktiv ist.
Eine Anfrage über unsere Webseite ist unverbindlich und kostenfrei. Nach Erhalt unserer Kreditentscheidung haben Sie die volle Kontrolle und entscheiden, ob Sie unser Angebot annehmen möchten. Es gibt keine versteckten Kosten – alles ist transparent und klar nachvollziehbar.
Einen Firmenkredit bei Qred zu erhalten ist unkompliziert und schnell! Zunächst stellen Sie eine Anfrage auf unserer Webseite und übermitteln uns im Anschluss die notwendigen Unterlagen. Innerhalb von 24 Stunden erhalten Sie eine Kreditentscheidung mit einem potentiellen Angebot von uns, welches u. a. von Ihrem Jahresumsatz abhängt.Sollten Sie unser Angebot annehmen, wird der Betrag noch innerhalb einer Stunde ausbezahlt. Eine Sondertilgung ist jederzeit möglich, und die Fixgebühr fällt nur für die Zeit an, in der Sie den Kredit tatsächlich nutzen. Falls Sie feststellen, dass Sie doch mehr Geld benötigen, können Sie den Kredit nach einer gewissen Zeit aufstocken.
Whether you want to use the business loan as working capital or invest in growth, we are here for you. Apply for your loan and sign your offer digitally, and you will receive the money on the same day.
All types of companies can apply for a business loan. It doesn't matter whether the company is new or old, large or small - any company can apply. All that is required is an active and registered company.
A business loan gives your company more financial leeway and flexibility. It provides additional funds that you can use flexibly as needed. This ensures that your company receives the necessary capital in good time to optimally support growth and daily business.
Traditional big banks still have local branches where you need to make an appointment to meet a local advisor. It often takes several days or weeks to get a response, and the application process can be very time-consuming. In the worst case scenario, no loan is approved after all this effort, as traditional banks often do not have the necessary tools to correctly assess risks for smaller companies. FinTech scale-ups such as Qred, on the other hand, specialize in these requirements.
Firmenkredite können den Betrieb Ihres Kleinunternehmens reibungsloser gestalten, indem sie finanzielle Freiheit unterstützen. Bei Qred verstehen wir die besonderen Bedürfnisse von Kleinunternehmern und bieten maßgeschneiderte Finanzierungslösungen, die schnell, flexibel und unkompliziert sind. Unser Ziel ist es, Finanzierungen einfach und zugänglich zu machen, damit Sie sich auf das Wesentliche konzentrieren können: die Führung und das Wachstum Ihres Unternehmens.
At Qred, we want to make things as easy as possible for you. That's why we charge a fixed monthly fee for the loan so you know exactly what you're going to pay each month. There are no entry fees or hidden costs for early repayments. On the contrary, we even encourage you to repay early. Our loans have no commitment period and offer the option of taking a repayment break of up to three months.
Other common costs for business loans may include set-up fees at the start of the term, administrative fees, and various interest rates or hidden costs. But with Qred, you don't have to worry about such hidden costs.
There are various situations in which taking out a business loan makes sense: to bridge a temporary decline in sales, to make long-awaited investments, or to promote growth in your company. Debt restructuring, in which you want to combine several expensive loans into a single one, can also be a reason. Regardless of the reason why you need a loan as an entrepreneur, Qred is there for you.
Applying for a business loan with Qred is fast, secure and completely digital. The process consists of three easy steps:
You can borrow from us ranging from €5,000 to €200,000.
If you're applying for a business loan as a small business owner, there are a few basic requirements that are often set by lenders. These may vary, but here are the most common among traditional lenders:
In addition, it is often necessary for the owner or managing director of the company to act as a guarantor, which means that he is personally liable if the company is unable to repay the loan. These requirements are intended to ensure that your company is able to manage and repay the loan, minimizing risk to the lender.
Most people have a “house bank,” usually a large traditional bank, for private finances such as real estate loans and current accounts. Many prefer to separate their personal finances from business ones. However, at Qred, we offer you a top-notch, personalized service for your business financial needs!
When taking out a business loan, you should consider the following:
Wir helfen Ihnen, die beste Finanzierungslösung für Ihr Unternehmen zu finden.
Moritz Wendt is the country manager for the German market and has many years of experience in banking and finance. With more than 10 years of experience at one of Sweden's largest banks, Moritz Wendt has rare expertise in financial instruments and entrepreneurship. Moritz Wendt has a B.SC in Economics from UCL and an MBA from the Stockholm School of Economics.
