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No, your request will not be approved automatically. Our team assesses each request individually.

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Based on the credit rating, we are sometimes forced to apply for a business loan from €1000 to €500,000 to be rejected. One of the most common reasons is that the creditworthiness of a company or representatives is not sufficient, for example because there are already debts with other authorities. That said, individual payment delays are not always a reason for an immediate rejection. Qred always looks at the whole thing and thinks along with the customer about the possibilities. Another reason for rejection is that the information provided is inaccurate or inadequate, or that the company's ability to pay is uncertain or cannot be reflected.

No, there are no hidden costs. At Qred, we are completely transparent about our prices and conditions. At Qred, you pay a fixed monthly price that you can find in your quote. This price consists of two parts: a fixed monthly price for using the business loan (operating costs), plus a fixed monthly repayment on the outstanding loan amount (amortization).

We don't work with varying interest rates or hidden costs, so our customers know exactly where they stand every month. Do you want to repay the loan earlier? Then this is also possible at no extra cost. This way, you only pay for the period that you actually need the loan!

All Belgian sole traders, BVs, NvS, VOFs and the self-employed can have a business loan up to €500,000 requests. We only have 3 requirements:

1. You must have a valid VAT number.
2. Your company has been in business for at least 3 months.
3. The company's management resides in Belgium.

It doesn't matter what sector your company is active in or how many employees there are. Qred assesses each application individually based on an advanced credit assessment. What is important to us is that there is a good and healthy business concept and that there are good people behind the company.

Qred does not use a standard rate, but evaluates each request for a business loan on an individual basis. Our team makes an overall credit assessment of whether an entrepreneur is able to meet future payments and see if the loan amount is commensurate with the company's size and turnover.
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At Qred, you pay a fixed price for a business loan of up to €500,000 every month. This price consists of two parts: a fixed monthly price for using the loan (operating costs), plus a fixed monthly repayment on the outstanding loan amount (amortization). Add the two amounts together and you have your total monthly amount. The amount you pay in monthly usage costs and repayments is calculated based on the loan amount, loan period, credit score of a company and other factors.

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Why a fixed price for a business loan?

We prefer a fixed monthly price, because this way you, as an entrepreneur, know exactly what is deducted each month. No complicated interest rates or a sudden increase in your monthly charges: but the same costs every month, clear and organized. With Qred, the monthly amount remains the same throughout the term of the business loan (unless you apply for a loan increase in the meantime and can borrow extra credit).

Qred is the expert in business loans and helps entrepreneurs grow thanks to fast, easy and flexible financing. Qred was founded in 2015 and has been active in Belgium since 2020. In total, Qred has already financed more than 50,000 entrepreneurs. Qred offers business loans ranging from €1000 to €500,000, with a term of up to 36 months.

How does applying for a loan from Qred work? ‍
You can request a quote on our website free of charge and without obligation. Our team will process your request immediately and you will receive a response within a few hours. You will receive a quote and once it has been signed, we will transfer the loan to you the same day.

Each month, you pay a fixed amount, which can be found in your quote. This price consists of two parts: a fixed monthly price for using the loan (operating costs), plus a fixed monthly repayment on the outstanding loan amount (amortization). You can also repay the loan free of charge at any time (so you only pay for the months that you use the loan).

You pay once a month. An example: if you have the loan if you have accepted on the 12th of the month, the first payment must be received by us on the 12th of the following month.

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We will send you your invoice by email 10 days before the payment date. By the way, you can also find the invoice 10 days before the payment date via your MyQred profile.

Once you have signed your quote, we will transfer the money to your account within one hour. Depending on, for example, vacation days and differences between banks, the loan available in your account the same day or the next business day.

We strongly recommend that you contact us if you have trouble paying an invoice. We are always happy to discuss a solution!

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It is best to make sure that you have made the monthly payment by the due date at the latest. This way, you avoid reminder, delay and collection costs. If we do not receive payment on time, we will first send you a friendly reminder. Should the loan if payment is still not made after that, the case will be transferred for collection. If the company does not meet its payment obligations, the guarantor will be held personally responsible for payment.

This depends on how you want to receive your invoice. We automatically send our invoices in PDF format via email. We do not charge for this. However, if you choose to receive your invoice by mail, we charge €3 per invoice.

No, the monthly price is exempt from VAT.

It is not possible to have a business loan to start your business. Once you have a registered business that has been in business for at least 3 months, you can apply for a business loan from us.

Qred's headquarters are based in Sweden. As a bank, Qred is thus regulated by the Swedish financial supervisory authority Finansinspektionen. Finansinspektionen has an international cooperation agreement with the FSMA.

Requesting a business loan from €1000 to €500,000 via Qred is free, without obligation and only takes 1 minute!

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Apply for a business loan in a few simple steps:

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1. Click “Free quote” on the home page
2. Enter the desired loan amount
3. Click “Quick quote with itsme or BE-ID” and verify yourself
4. Fill out the form and submit the request

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Our team will process your business loan application immediately and will get back to you as soon as possible to discuss the options. If the request is approved, you will receive a quote that can be digitally signed with the itsme app. Once the quote has been signed, we will transfer the money to your account within one hour.

You can reach us by phone at 02 588 09 83 (Monday to Friday, from 09:00 to 17:00). You can also contact us by sending an email to support@qred.be.