Business loan for up to
2 000 000 kr

Fixed monthly fee
No startup fee
Payout within a day
No binding time

Receive a non-binding offer for a business loan

How much do you want to borrow for your business?

kr 0

Qred Bank processes your personal data in accordance with the GDPR and Qred's privacy statement.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Qred is a financial agent on behalf of Nordiska Financial Partner Norway AS.
Qred's client Robert from Kaffebaren
Qred helped me keep going during tough times.
Thanks to Qred, we were able to lease our company car and pay salaries.
Qred contacted us after a day and made a loan offer. It felt like a fair deal!

What can you use a business loan for?

A business loan can help your company when you want to invest in growth or get out of a difficult situation.

When you need to hire more people

Invest in machinery
and tools

When you need more capital

10,000 up to
2 million

Qred offers tailor-made business loans that are perfect for small and medium-sized businesses. With financing from Qred, you can confidently address both small and large needs that your business faces.

Our loan amounts range from NOK 10,000 up to NOK 2 million, giving you the freedom to realize your ambitions and ensure growth for your business!

About Qred

Our history

Founded in 2015 by entrepreneurs for entrepreneurs, Qred is one of Europe's fastest growing fintech companies, according to the Financial Times. Qred has delivered profitable growth from the start and is the market leader in the Nordics with Norway's most satisfied customers, according to Trustpilot.

Qred has operations in Norway, Sweden, Finland, Denmark, the Netherlands, Belgium, Germany and Brazil and has issued hundreds of thousands of loans to small businesses. A fully automated and proprietary credit scoring system allows Qred Bank to quickly and competitively provide entrepreneurs with the support they need to grow.

Man holding a large Qred VISA

How does it work?

Apply in minutes

With us, applying is easy! We take the hassle out of the process, so you can quickly access the financial support you need to realize your dreams. Save time and apply now to discover what opportunities Qred has to help you and your business!


Same day offer

With us, you'll be contacted the same day you submit your application. We understand the importance of a fast and reliable response, so you can move forward with your plans without unnecessary delays.


Sign with BankID

When you choose to accept the offer, you can easily sign with BankID and have the money transferred to your account the same day!


No binding period

We understand that needs can change, which is why we give you the flexibility to repay your loan at any time, at no extra cost. With us, there are no hidden fees or surprises.

Search here

Frequently asked questions about business loans

What do I need to know before applying for a business loan?

We offer loans to businesses, where you fill in an application form on our website or on My Qred if you are already a customer. We offer short-term financing between SEK 10,000 and 2,000,000.

Do you offer loans for setting up a new business?

Unfortunately, we cannot help you start your own business, but we are happy to help in the start-up and growth phase.

How is my application for a business loan assessed?

Once you have submitted an application for a business loan, we will contact you by phone and email. Before we can assess your application, we need to familiarize ourselves with your business. We take into account the desired loan amount and your financial situation, and you may be asked to submit supplementary documentation. The aim is to tailor a financing solution to your company's needs and wishes.

Who can apply for a business loan?

Companies with the company form ENK, AS, DA, ANS or ASA can apply for a business loan. The person applying must have a Norwegian BankID and signature rights to be able to sign an agreement on a business loan.

How long a repayment period do you offer?

We offer a repayment period of up to 24 months, which is determined according to your company's needs. We have no lock-in period on our loans so have the ability to reduce the cost of repaying the loan in a more expeditious manner, saving money in the process.

Why was I rejected?

A refusal can be due to several reasons, such as, for example, that we have not succeeded in getting in touch with you or received the requested documentation.

What is the cost of a business loan?

We carry out an overall credit assessment of the company before we determine an individual monthly fee.

Do you have an establishment fee?

No, we have no set-up fee. You pay a fixed monthly fee every month until the loan is paid off.

Do you have a redemption fee?

No, we do not have a redemption fee. You can therefore repay the entire loan at any time without additional costs.

Read more about business loans.

What is required of security?

We offer unsecured business loans, which means that we do not take security in property, operating assets, accounts receivable or inventory. Instead, you act as a guarantor on our loans.

What is self-debtor bail?

In the case of a self-debtor guarantee, the guarantor provides a guarantee for the borrower's ability to pay and willingness to pay.

Who can act as guarantor?

The person applying for a business loan acts as a guarantor. This indicates the general manager, chairman of the board, board member or shareholder.

Can several people act as guarantors on the same loan?

Yes, you can provide several guarantors.

Do you take a credit check?

Yes, in order to make an assessment of your application, we must carry out a credit check. If you have blocked yourself from a credit check, you can open the block temporarily on Creditsafe or Experian's websites.

When will I get the money in my account?

We will try to process your application within one hour. If your loan application is approved, you will receive an offer by email and SMS. Upon signing, you fill in your bank account for disbursement, and the business loan will be disbursed within minutes.

Can I receive a payment to a foreign bank account?

No, we only pay the money to a Norwegian bank account belonging to the company.

Can I choose a lower loan amount than what I have been offered?

Yes, you can choose how much you want to borrow from the approved amount.

Can I choose a shorter repayment term than what I have been offered?

Yes, you can choose a shorter repayment period yourself before signing the agreement.

Can I sign the agreement with BankID on mobile?

Yes, you can sign the agreement with BankID (password and one-time code) or BankID on mobile.

Can I choose to sign the loan offer later?

The loan offer is valid for 10 days, but we can of course send the loan offer again if it has expired. Contact customer service on 32 99 36 41 or and we will help you!

How do I pay off my loan?

You pay a fixed monthly fee and installments on the loan to your company according to your repayment plan, which you can find by logging in to My Qred with BankID.

How do I receive the invoice?

The invoice is sent to the e-mail address you provided in the application form.
Contact customer service if you want us to change this or send it to you by post. You can also find the invoice by logging in to My Qred with BankID, which is the self-service portal for customers of Qred.

Can I have an EHF invoice sent to me?

We do not offer this service, but we can update your email address to receive invoices.

When is the first due date?

The first due date is one month from when you signed the contract. You will be sent an invoice 10 days before the due date with an account and KID number that is valid for the entire loan period. Contact customer service if you need to change the due date.

Is the repayment plan binding?

No, the repayment plan is not binding and you can therefore repay the loan at any time without additional costs. Contact customer service if you plan to repay the loan earlier so that we can produce a final invoice for you.

Where can I get an overview of my business loan?

You can get a full overview of your business loan by logging in to My Qred with BankID.

For information

‍ Your loan agreement and repayment plan can be downloaded before you sign a business loan agreement. All necessary documents will also be sent by e-mail after the agreement has been signed.

What is My Qred?

This is a self-service portal for customers of Qred. The portal gives you a full overview of your active loan, including your repayment plan and upcoming invoice. It also gives you an overview of previous loans with Qred.

Can I apply for a new or higher loan on My Qred?

Yes, you can easily apply for a new or higher loan on My Qred , where you will receive an answer within an hour.

When can I apply for a higher business loan?

If you wish to apply for a higher business loan than the one you have been granted, you can request a new assessment. In some cases, we may request supplementary documentation to ensure that we have the correct assessment basis.

How do I apply for a higher loan?

You can apply for a higher loan on the website, by logging into My Qred or by contacting customer service by phone on 32 99 36 41.

Finally, a business loan with great rates

With a business loan from Qred, the only cost of the loan is a fixed monthly fee.
We carry out a comprehensive credit assessment of the company before determining an individual monthly fee.
You can easily see what your monthly fee will be by submitting a non-binding loan application.


Contact Qred

We help you find the solution that best suits your company!
08:00 - 16:30 (Mon-Fri)
32 99 36 41

Estimated waiting time
Less than 1 minute

Estimated response time
Less than 24 hours

What is a business loan?

A business loan is a financial solution for companies that need capital (money) to meet various needs.

Types of business loans

There are different types of business loans. Depending on your business and your needs, different types of business loans may work better or worse.

Online business loans

At Qred, we offer online business loans. This means you don't have to go to a physical bank branch to meet someone at a specific time. All you need to do is submit an application on our website and you'll receive a response within an hour. The money is paid out the same day you sign the offer - completely digitally!

Traditional major banks

The traditional big banks still have local branches where you have to make an appointment to meet an advisor. It can take several days or even weeks to get an answer, and the application process is also often very time-consuming.

Advantages of business loans from Qred

In addition to world-class personal service, you can do everything from applying to getting your money in your account completely digitally - in a matter of hours!

  • No start-up fee
  • No binding time
  • Free and non-binding application

When should you consider a business loan?

There are several different situations where you can take out a business loan. It could be to overcome a temporary downturn or to invest in something and expand your business. Whatever your reason as an entrepreneur, Qred is here for you.

How does the business loan application process work?

With us at Qred, it's as easy as ordering a book online. Fill in details such as the desired loan amount, contact information, etc. It only takes a few minutes. Within an hour, an agent will contact you with some follow-up questions or a quote. The money is disbursed the same day you sign the offer. Done!

Requirements for applying for a business loan

You must be a Norwegian citizen, have a Norwegian bank account and be resident in Norway.

Documentation required for the business loan

Once you've submitted an application to us, we'll run a credit check and start collecting documentation automatically. However, you can always choose to attach what you have directly to your application or choose to submit it manually at a later stage.

Interest rates and fees for business loans

At Qred, we want to make it as simple as possible. That's why we have chosen to have a fixed monthly fee as the cost of the loan. This means you know exactly what you will pay each month. We also have no start-up fees or other hidden fees for early repayment or similar. In fact, we encourage you to pay back early! That's why our loans have no lock-in period.

Common interest rate types for business loans

Other common types of interest and costs for business loans can be set-up fees at the beginning of the loan period, administration fees and other types of interest or hidden costs that you may want to be aware of.

Alternatives to business loans

There are several different options for business loans. It all depends on the needs of you and your business. If you have a lot of small and daily expenses, a business card may be a good option. If it's more about cash flow, factoring and invoice factoring may be the way to go. There are also some banks and lenders that offer overdraft facilities. This can be useful if you want a secure collateral that you can use when needed.

How to find the best business loan?

Most people have a "house bank", usually one of the traditional big banks, for their personal finances such as mortgages, accounts etc. Many people find it nice to separate their personal finances from their business finances. At Qred, we can offer world-class personal service!

What to compare when choosing a business loan

There are many things to consider when taking out a business loan.

  • Don't take out a loan if you already have too much debt.
  • Don't take out a loan if you know you'll have trouble repaying it.
  • Don't take out loans to make risky investments.
See more