Every business needs help from time to time

As entrepreneurs, we have experienced how difficult it can be to find good solutions for financing. That is why we focus on flexible financing for small companies that have ambitions to grow.

Quality joint in Stockholm, customers of Qred
Thanks to Qred, we were able to lease our company car and pay salaries.

-Joakim & Erik, Bygg- og Anleggsfirma

Qred contacted us within a day with a loan offer. It felt like a good deal!

-Kenny, The good gringo

Robban at Kaffebaren, customer of Qred
Qred helped me keep during though times.

- Robert, The Coffee Bar

7200
%
growth
150
+
talents
7
markets
5000
+
created jobs

2015

Qred was born in Stockholm with the goal of improving the business experience of small businesses and putting the customer's needs first.

2016

Qred expands to the Finnish market and opens offices in both Helsinki and Latvia.

2017

Qred opens the gates to the Danish market.

2018

Qred makes its entry into the Dutch market.

2019

Qred introduces its invoicing service Qred Factoring. Qred is also establishing operations in Brazil.

2020

Qred is launched in Belgium and the Financial Times names Qred Sweden's fastest growing company.

2022

Qred is launched in Norway.

The story of Qred

It all started with a young entrepreneur who had a dream of establishing his own business. The entrepreneur had earned an equity of 100,000 kroner and proudly went to the nearest bank to open an account on behalf of the company. It was new, exciting and not least unknown. With great enthusiasm, the entrepreneur shared the business plans with the bank, who wondered why the entrepreneur had chosen to come to their particular bank.

The entrepreneur was surprised, as the bank had received the prestigious award "Commercial Bank of the Year", but politely replied that he had the impression that this could be a good bank for his business. After a short meeting, the entrepreneur was informed that the business idea was perceived as poorly thought out and the application for customer relations was thus rejected.

The entrepreneur became frustrated and thought "how is this possible?". He would not borrow money without having to make a deposit of 100,000 kroner. He began to doubt himself; what if the bank was right? Was he not able to establish his own business? Fortunately, he chose not to give up, and sought out another bank that showed more understanding.

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About the team

Career opportunities

Qred is growing fast and we are constantly looking for new Qredsters.
See our open positions:

More positions

Frequently Asked Questions

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 with us. We offer short-term financing between NOK 10,000 and NOK 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?

When 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 the financial situation, where you may be asked to submit supplementary documentation. The purpose is to tailor a financing solution adapted to the 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 18 months, which is determined according to the company's needs. We have no lock-in period on our loans and you can therefore save money by paying off the loan faster.

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.

What is required of security?

We offer business loans without collateral, which means that we do not take pledges on property, operating accessories, accounts receivable or inventory. On the other hand, you stand as a self-debtor 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 try to process your application within an hour. If the loan application is approved, you will be sent an offer by e-mail and SMS. When signing, you enter the bank account for payment, and the money is paid out within a few 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 support@qred.no and we will help you!

How do I pay off my loan?

You pay a fixed monthly fee as well as installments on your loan 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 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. You will also be sent all necessary documents 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 want to apply for a higher business loan than what you have been approved for, you can request a new assessment. In some cases, we may request supplementary documentation, so 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.

Qred is a financial agent that is subject to the Norwegian Financial Supervisory Authority's rules, where Nordiska Financial Partner Norway AS oversees our operations.

Financing for your business

🇸🇪 Sweden
🇳🇱 Netherlands
🇫🇮 Suomi
🇩🇰 Denmark
🇧🇪 Belgium
🇳🇴 Norway
🇧🇷 Brazil