Loan calculator for business loans

Easy to use.
Fixed monthly fee
No hidden fees
No binding time

Receive a non-binding offer for a business loan

How much do you want to borrow for your business?

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Qred is a financial agent on behalf of Nordiska Financial Partner Norway AS.
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!

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.

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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.

Good prices

With a business loan from Qred, the only cost of the loan is a fixed monthly fee.
We conduct 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 here.


Contact Us

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

A business loan calculator

Is a useful tool for small and medium-sized businesses that are considering taking out a business loan.

With such a calculator, business owners can get a clear idea of the potential costs and terms of a loan before making the final decision to apply. This is especially important for small businesses that often operate with limited resources, and where any financial decision can have a major impact on the future health and stability of the business.

A business loan calculator works by the user entering specific data about the desired loan, such as the loan amount, interest rate and repayment period. Based on this data, the calculator calculates the approximate monthly cost of the loan as well as the total interest cost over the loan period. It helps the business owner to understand how the loan will affect the company's finances month by month.

There are several advantages to using a business loan calculator. First and foremost, it provides an immediate overview of the financial obligations that a loan entails. It can help business owners assess whether they can afford to take out the loan, taking into account current and expected cash flow. By having a clear picture of the monthly installments, the business owner can plan better and avoid financial stress.

Another advantage is that the calculator can be used to compare different loan options. By changing the loan amount, interest rate or repayment period, the user can see how these changes affect the monthly installments and the total cost of the loan. This is particularly useful in a landscape where interest rates and terms can vary widely between different lenders.

In addition, a business loan calculator can act as a negotiating tool. With knowledge of the approximate cost of a loan, the business owner can negotiate with the bank or lender from a more informed position. This can lead to better terms and perhaps even lower interest rates, which will reduce the overall financial burden on the business.

However, it is important to remember that a business loan calculator provides an estimate based on the data entered. The actual cost of the loan may vary depending on a number of factors, including the company's creditworthiness, the financial situation at the time of the loan and the lender's specific assessment criteria.

For small businesses considering taking out a loan, it's a good idea to use a business loan calculator. It provides a valuable insight into the financial implications of a loan and helps you make an informed decision. By carefully considering this information, business owners can increase their chances of securing financing that supports their business strategies and contributes to long-term growth and success.

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