Business loans from NOK 10,000 to NOK 5,000,000 with Qred Bank

Get a loan for your business quickly, safely and easily. From NOK 10,000 up to NOK 5 million. Loans up to 36 months without a fixed term.

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

Get a non-binding offer for a business loan from Qred Bank

How much do you want to borrow for your business?

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

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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
5 million

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

Our loan amounts range from 10,000 up to 5 million NOK, giving you the freedom to realize your ambitions and grow your business!

About Qred

Our history

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

Qred Bank operates 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!

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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.

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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!

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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.

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Frequently asked questions about business loans

How do I apply for a higher loan?

You can apply for a higher loan on the website, by logging in to MyQred or by contacting customer service on 32 99 36 41. If you want to apply for a higher business loan than what you have been granted, you can request a new assessment. In some cases, we may request additional documentation to ensure that we have the correct basis for our assessment.

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.

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.

Is the repayment plan binding?

No, the repayment plan is not binding and you can therefore repay your business loan at any time at no extra cost. Please contact customer service if you plan to repay the loan earlier so that we can produce a final invoice for you.

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.

How do I receive the invoice?

The invoice will be sent to the e-mail address you provided in the application form.

Please 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 MyQred with BankID, which is the self-service portal for Qred customers.

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.

How long a repayment period do you offer?

We offer a repayment period of up to 36 months, depending on your company's needs. We don't have a fixed term on our business loans so you have the opportunity to reduce the cost of repaying the loan in a more rapid way, saving money in the process.

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 e-mail. Before we can assess your application, we need to familiarize ourselves with your company. We take into account the desired loan amount and your financial situation, where you may be asked to submit supplementary documentation. The aim is to tailor a financing solution to your company's needs and wishes.

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.

How do I repay the loan?

You can choose to refund the full amount, at no extra cost. Contact us or log in to My Qred.

We offer loans to businesses, where you fill out an application form on our website or on My Qred if you are already a customer with us. We offer short-term financing between SEK 10,000 and 5,000,000.

How do I contact Qred?

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.

You can contact us by calling 32 99 36 41, emailing support@qred.no or chatting with us here on the website. We are open Mon-Fri between 08:00-17:00.

Where can I get an overview of my business loan?

You get a full overview of your business loan by logging in to MyQred 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 MyQred, where you get an answer within an hour.

Who is Qred Bank?

Qred Bank is a bank for entrepreneurs. We help small and medium-sized businesses with the right type of financing. All Norwegian companies can apply for a business loan of up to NOK 5,000,000 without having to go to the bank.

Finally, a business loan with great rates

With a business loan from Qred Bank, 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.

Flexible
Simple
Safe

Contact Qred Bank

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

Estimated waiting time
Less than 1 minute
Email
support@qred.no

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.


Benefits of a business loan from Qred Bank

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 a question of cash flow, factoring and invoice sales 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!

For companies that meet the criteria for sustainable business, we also have green loans.


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.

That's why it's always important to calculate the cost of your business loan.

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