Flexible financing
for your business

We now offer business loans with 3 grace months

Get a non-binding offer
Qred is a financial agent on behalf of Nordiska Financial Partner Norway AS.

Flexible financing
for your business

We now offer business loans with 3 grace months

Get a non-binding offer

Qred is a financial agent on behalf of Nordiska Financial Partner Norway AS.
Trustpilot
Fixed monthly fee
Payout within a day
No time restraint

Say hello to your company's new credit card

Tryggt
Universellt
Pålitligt

Advantages of the Qred card

Fast handling

The application takes 1 minute and you will receive a reply within xx hours. You will have the card in your mailbox within X days.

Safe & Secure

The credit card is issued together with well-established partners and is supervised by the Financial Supervisory Authority.

Support all the way

We are here through the whole process. We have Sweden's most satisfied customers according to trustpilot.

How it works

The card is free of charge
No monthly or annual fees
0% interest if you pay your balance every month

What can the card be used for?

Daily purchases for the company
Unexpected costs
Online purchasing and ad management

Manage everything in one app

Activate your card
See all expenditure
Manage card settings

Do like X other companies

Try the Qred card for free. Money in your pocket when your business needs it or save it for a rainy day.
Apply here!

Do you have more questions? Don't worry, here's our FAQ to help!

How does the Qred card work?
You will receive a plastic VISA card with a credit limit. You can view all the spending on your card, set your own limits and block your card through the Qred app. The Qred credit card is issued by Qred and can be used for business spending both online and offline.
How do I apply for the Qred card?
Now you can finally apply for your very own Qred card! The application is free of charge and not binding. You will receive an answer within an hour, you sign the offer with BankID and as soon as you have signed (together with any other co-signers) we will send out your credit card within 3-4 working days. Apply for your Qred card today!
How much does it cost?
The card is free of charge and has no monthly fee. Purchases have an average interest-free period of 45 days. Once a month you will receive an invoice with 14 days payment terms. You choose whether you want to pay the whole invoice at once (0% interest) or split it up. If you split a payment, a company-specific interest rate will be applied, starting at 1.95% per month. Your company's interest rate will be calculated once you have applied for a card. Visit our website to find out more about our price list and currency exchange rates.
Can I withdraw cash from an ATM with my Qred card?
No, the corporate card does not support cash withdrawals.
Who are Qred?
Qred focuses on solving big problems for small business owners, allowing them to focus on building what they are passionate about. We create simple products that take the hard work out of managing everyday finances. We operate in 6 markets and provide financial services through business loans, invoice purchasing and now through our credit card.

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Get a free offer

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Simple and flexible financing

No start-up fee
No hidden fees
No time restraint

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

Financing must be simple and efficient.
Therefore, the application process at Qred is:

Fast

Complete the application form in 1 minute.
We will be in touch shortly.

Clear

Sign the agreement with BankID.
The loan is disbursed within a few minutes.

Non-binding

It is free to apply for a business loan, and the offer is non-binding.

We have the most satisfied customers

Qred helped me keep what I had during a tough period.

Robert
The coffee bar

Thanks to Qred, we were able to lease our company car and pay wages.

Joakim & Erik
Building and Construction Company

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

Kenny
The Good Gringo

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. 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?

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 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 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 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.

Qred makes everyday life easier for entrepreneurs,
so you can focus on building what you're passionate about

Business loan

For those who want to ensure liquidity,
finance new investments or
go to the purchase of new equipment.
No start-up fee
No hidden fees
No time restraint
Apply for a business loan here >

Interested in business loans? Get in touch with us!

We love small businesses. Get in touch and tell us how we can help you and your company!
08:00 - 16:30 (Mon-Fri)

About Qred

Qred is created by entrepreneurs, for entrepreneurs. With operations in Norway, Sweden, Finland, Denmark, the Netherlands, Belgium and Brazil, we have helped over 25,000 companies. Qred creates 10 jobs a day,
7 days a week.

Read more about Qred.

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