Your business loan is ready

No hidden fees, no set-up costs, no lock-in period - and personal support every step of the way.

Qred at a glance

7200%
growth
100+
talents
6
markets
5000+
created jobs

Our reputation

When you thrive, we thrive - that's our motto
With over 30 000 businesses helped, Qred was listed as the fastest-growing company in Sweden by the Financial Times. Our goal is all about empowering you.

Common answers

How is Qred different?

We've invested heavily in a modern, digital solution, with no expensive branch network. By automating data extraction and through smart analysis of hundreds of data points we are able to quickly get to an evalution of most businesses. As far as we know, nobody else in Northern Europe can approve and pay out a business loan faster than Qred. What's also unique is you only pay for each month you have the loan. Simple and straightforward.

How do I apply

It's easy to apply and takes about 60 seconds, and there's no cost to apply. There are 3 easy steps:

  1. Fill in a short form (desired amount, organisation number, e-mail och mobile phone).
  2. Additional information can be sent to improve your offer. During normal work hours you can expect an offer within an hour.
  3. You decide if you want to go forward after you get our offer. Upon approval with BankID we will pay out the loan the same day, normally the same day.

When will the loan be paid out?

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.

Who can apply?

All limited liability business, partnerships, sole proprietorships / traders, and more can apply and be approved a loan. It can be a proud, old business, or a brand new startup, large or small. We work with businesses in virtually every industry, from north to south - even businesses with a checkered credit history can qualify. We evaluateeach business individually - the key for us is that there is a solid business idea and qualified business owners behind the company.

Questions?

We love small businesses. Get in touch and let us know how we can help your company!

Loan breakdown

Apply in 1 minute
Fast and easy application process. It's free and non-binding.
Offer within the hour
After applying, we'll reach out to you within an hour.
Same-day payout
You can sign your offer with BankID and receive your funds within the day.

Calculate your loan

Monthly fee
0
SEK
Monthly amortisation
0
SEK
Total to pay
0
SEK
*
*
This is an example monthly fee. Pricing is determined by the Qred Score Algorithm. You are only required to pay for the months you actually keep the loan.

Questions?

We love small businesses. Get in touch and let us know how we can help your company!

Receive payment for your invoice within 24 hours

Choose which invoices to sell. Our invoice portal is both easy to use and understand.

How it works

It's your choice which invoices you would like to finance

You can choose which invoices you want to sell and which to add to our service. Our online portal is very user friendly and easy to understand. You will get a full overview of all your invoices and can easily see if they are due or paid.

Invoice purchases

Sell the invoice to us and you will have the money within 24 hours. We always buy the invoice without recourse if your customers are creditworthy. This means that we bear the risk!

Factoring

If your customers are not creditworthy for the amount, you will have the opportunity to finance your invoice with recourse. Furthermore, we will always help you with the collection of invoices.

Invoice service

If you do not need capital right now, you can always choose to put your invoices on service; where we handle the reminders and can forward them to debt collection if needed.

Testimonials

  • Qred factoring is the most transparent and innovative finance company I have ever worked with. Fast payment and first-class service, 7 days a week!
    Peder
    Finance Manager, Construction
  • In the past, I've dealt with finance companies with long agreements and complicated terms. Fortunately, Qred factoring makes things easy. I've always received very good, transparent responses.
    David
    CEO, Media
  • Qred factoring has always there for us when it mattered most: both in good and in bad times. They act swiftly and professionally and have helped us gain access to much-needed capital quickly.
    Roberto
    CEO, Demolition

Direct accounting integrations

Retrieve, send & book

Questions?

We love small businesses. Get in touch and let us know how we can help your company!

Every business needs help once in a while

As business owners, we’ve experienced the difficulties in working with the big banks. That's why we set out to offer convenient and flexible financing for small businesses.

Qred at a glance

7200%
growth
100+
talents
6
markets
5000+
created jobs

Testimonials

  • Qred helped me keep what I had when times were tough.
    Robert
    Café owner
  • The bank says "no" right off the bat, but with Qred you get help immediately. What a difference!
    Gudrun
    Napkin designer
  • Thanks to Qred, we could lease our company car and pay out salaries.
    Joakim and Erik
    Construction contractors

The Story Behind Qred

Once upon a time, a relatively young and hopeful entrepreneur started a small business. Everything was fresh, exciting and a bit unfamiliar. The first thing that needed to be done was to obtain a bank certificate stating that the founder’s hard-earned and saved start-up equity capital had been deposited. With pride, the entrepreneur went to the nearest bank to announce that he wanted to open an account for his new business and deposit one hundred thousand kroner into his account.

He enthusiastically described his plans to the inscrutable bank clerk, who asked, “but why have you chosen to come to our bank?” The entrepreneur was taken aback, since this bank had received the prestigious “Best Swedish Commercial Bank” award, but he calmly replied because it seemed like a good business bank. After 15 minutes, the entrepreneur was informed that the bank did not believe in his idea and that the bank therefore rejected his customer application...
Read more

The People at Qred

About the team

Career Opportunities

Questions?

We love small businesses. Get in touch and let us know how we can help your company!

Help and support

Feel free to search our knowledgebase for the most commonly asked questions!

Questions?

We love small businesses. Get in touch and let us know how we can help your company!

Qred enables financing for your customers

We are proud to cooperate with a broad range of businesses that provide B2B services and products to small businesses. Our ambition is to help you increase the value you provide to your clients, and help your clients in turn reach their goals. Our track record and flexibility often makes it possible for us to create a valued partnership with financing solutions that are tailored to your needs and those of your customers.

Who can become a partner

  • Company brokers and intermediaries
  • Retailers and suppliers
  • Accounting and auditing firms
  • Business advisers and consultants
  • Debt collection, credit and finance companies
  • Programming and IT providers

How it works

  • 1. Register your business
    Provide these details and send - we promise we'll get back quickly with an answer on how to proceed!
  • 2. Start sending leads
    It's easy and smooth to send in potential new customers. We promise to treat your contacts with professionalism, courtesy, and fairly.
  • 3. Get paid directly
    For every lead you provide that takes a loan you'll get a commission. We guarantee fast payment!

Investor relations

IR Login

A word from the CEO

All companies may need some extra cash from time to time. We want it to be easy, fast and safe to get a business loan. That’s why we started Qred.

From the start, Qred received a fantastic reception from tens of thousands of small businesses. It feels almost unreal that it is actually possible to challenge the old established banks without being particularly large or strong. My conclusion is that heart and ambition mean more than muscle and tradition.

We are today one of the fastest growing fin-tech companies in the Nordic region, and we have already lent over SEK 2 billion to the smallest companies. It is money that comes in handy – many of our customers stand without traditional bank financing, even though they are run by competent and skilled contractors.

The banks are stuck in a costly costume and small business owners are seen as inconveniences, and not as partners. According to a recent survey, only every 10th company with up to 20 employees has loans from the bank. At the same time, over 80% of all new jobs in Sweden are created today by small companies.

Qred offers loans to small companies in the Nordic region and in the Netherlands. The loans are relatively small (up to around SEK 1 million), and have relatively short maturities (the loans are normally repaid with up to 12 monthly instalments). By limiting the loan amounts and the credit period, we keep the risk down.

Thanks to our unique scoring model and our large and diversified customer base, we have relatively small and very predictable loan losses, which in turn leads to good profitability.

Welcome to Qred!

Board of directors

Thomas Jansson
Chief Growth Officer and co-founder

M.Sc. Accounting (Åbo Akademi University).
Former COO and Business Development Manager at Tact Group.

Andrea Gisle Joosen
Styrelseledamot

Board member since 2019. Born 1964.

Ba & MSc Business Administration & Marketing (Copenhagen Business School).

Chairman of Acast and board member of ICA Gruppen, BillerudKorsnäs and Dixons Carphone.

Mattias Carlsson
Styrelseordförande

Chairman of the Board since 2017. Born 1972.

M.Sc. in Engineering Physics (Uppsala University).

CEO at TF Bank.

Emil Sunvisson
CEO and co-founder

MBA (Stockholm School of Economics), M.Sc. Engineering (Royal Institute of Technology in Stockholm).
Former CEO of Cherry.

Jason Francis
Vice CEO, Head of Customer Success and co-founder

MBA (Stockholm School of Economics). MA Econ (Duke University).
Former Nordic Strategic Manager at Trygg Hansa and Management Consultant at Oliver Wyman.

Executive management

Andres Sehr
Chief Marketing Officer

Bachelor Comm Finance and Marketing (University of Toronto).
Former CMO at Hedvig, Director of Marketing at Truecaller and Marketing DIrector at Spotify.

Björn Bondén
Chief Credit Officer

M.Sc. Industrial Engineering and Management (Helsinki University of Technology).
Former Pricing & Capital Planning at SBAB, Team Lead Risk at Skandiabanken and Consultant at Oliver Wyman.

Oliver Dolan
Chief Technology Officer & CIO

M.Sc Decision Support & Risk Analysis (Stockholm University) and 1:1 B.Sc. Computer Systems Engineering.
Former Engineering Manager at Worldfavor.

Elina Eriksson
Chief Compliance Officer

Qualified as a solicitor in England and Wales, and the Republic of Ireland (BPP Law School, London).

Former Associate at Hogan Lovells International LLP.

Jenny Arvidsson
Chief Legal Officer

Juris Doctor (Santa Clara University School of Law).

Former Associate at Bird & Bird and Attorney at Pillsbury Winthrop Shaw Pittman LLP.

Thomas Jansson
Chief Growth Officer and co-founder

M.Sc. Accounting (Åbo Akademi University).
Former COO and Business Development Manager at Tact Group.

Mia Rosén
Chief Financial Officer

Master’s degree in Economics (University of Borås).
Former CFO at Widespace and Head of Group Accounting at Hoist Finance.

Emil Sunvisson
CEO and co-founder

MBA (Stockholm School of Economics), M.Sc. Engineering (Royal Institute of Technology in Stockholm).
Former CEO of Cherry.

Jason Francis
Vice CEO, Head of Customer Success and co-founder

MBA (Stockholm School of Economics). MA Econ (Duke University).
Former Nordic Strategic Manager at Trygg Hansa and Management Consultant at Oliver Wyman.

Marianne Winblad von Walter
Chief Human Resources Officer

Bachelor Human Resources Management (Uppsala University).
Former HR manager at Nasdaq OMX, Teracom, Proffice, Red Cross and Dahl.

Bond information

Bond information

  • Senior secured bond
  • Nominal amount: EUR 40,000,000
  • ISIN: SE0012507267
  • Floating interest rate EURIBOR 3m plus 8.5 %
  • Matures in June 2022
  • Group ownership: EUR 21,200,000

Press

Contact

For more information, feel free to contact me via e-mail or phone

Andrea Romander

Head of PR
Qred AB
andrea.romander@qred.com
+46 730 926 607

Newsletter

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