At Qred we don't have a starting cost. 30 days after you signed the offer you will have the due date on your invoice, here you will pay an amortise and a monthly fee for the month there have past.

The loan is paid out the same day after you accept our offer, as long as that happens by 17:00. Depending on holidays and weekends, there can be a couple of days before the funds reach your business account.

You pay a fixed amount each month. If you took a loan on the 10th, then your first invoice will have due date on the 11th of the following month. We send invoices 10 days before the payment deadline.

Our loans do not have a separate interest rate. Instead, we charge a fixed amount each month you have the loan - there are no other fees. The monthly fee is individual and based on your company's qred-score, which is based on many dozens of data points and parameters and gives an overall evaluation of each application. As the loan has no lock-in period, you can pre-pay at any time and only pay for the months you keep the loan. That is, you can save significantly if you choose to pre-pay your loan.

We do a comprehensive evaluation of every application. The critical element is your company's ability to handle the loan and manage repayment, and generate enough return on investment to justify your loan - that the loan's size is in proportion to your business. Sometimes we have to say no to applications, or approve a lower amount than you request. This might be because the company or owners have incurred debts they cannot repay or have a long history of payment remarks. That said, small or uncommon payment remarks need not be a hinder, and we always look at the big picture. You've provided incorrect information. The company's ability to repay is in doubt or impossible to demonstrate. Read more under security and borrowing responsibly.