Business loans for ambitious entrepreneurs by Qeld

Frequently Asked Questions

When will the loan be paid out?

The loan is paid out the same day after you accept our offer, as long as that happens by 17:00. Depending on holidays and weekends, there can be a couple of days before the funds reach your business account.

Who can apply?

All Dutch limited liability business, partnerships, sole proprietorships / traders, and more can apply and be approved a loan, as long as the valid chamber of commerce number is presented and the director or the company is resident in the Netherlands. It can be a proud, old business, or a brand new startup, large or small. We work with businesses in virtually every industry, from north to south - even businesses with a checkered credit history can qualify. We evaulate each business individually - the key for us is that there is a solid business idea and qualified business owners behind the company.

How do I get in touch?

You can call us at 020 - 808 6084 or send an email to support@qeld.nl.

When should I repay the loan?

You pay a fixed amount each month. If you took a loan on the 10th, then your first invoice will have due date on the 11th of the following month. We send invoices 10 days before the payment deadline.

Calculate your loan

Monthly fee

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Monthly amortisation

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Total monthly cost

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This is an example monthly fee. Pricing is determined by the Qeld Score Algorithm. You are only required to pay for the months you actually keep the loan.

The Story of Qeld

Once upon a time, a relatively young and hopeful entrepreneur started a small business. Everything was fresh, exciting and a bit unfamiliar. The first thing that needed to be done was to obtain a bank certificate stating that the founder’s hard-earned and saved start-up equity capital had been deposited. With pride, the entrepreneur went to the nearest bank to announce that he wanted to open an account for his new business and deposit one hundred thousand kroner into his account.

He enthusiastically described his plans to the inscrutable bank clerk, who asked, “but why have you chosen to come to our bank?” The entrepreneur was taken aback, since this bank had received the prestigious “Best Swedish Commercial Bank” award, but he calmly replied because it seemed like a good business bank. After 15 minutes, the entrepreneur was informed that the bank did not believe in his idea and that the bank therefore rejected his customer application...

Qeld enables financing for your customers

We are proud to cooperate with a broad range of businesses that provide B2B services and products to small businesses. Our ambition is to help you increase the value you provide to your clients, and help your clients in turn reach their goals. Our track record and flexibility often makes it possible for us to create a valued partnership with financing solutions that are tailored to your needs and those of your customers.

How it works

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1. Register your business

Provide these details and send - we promise we'll get back quickly with an answer on how to proceed!

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2. Start sending leads

It's easy and smooth to send in potential new customers. We promise to treat your contacts with professionalism, courtesy, and fairly.

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3. Get paid directly

For every lead you provide that takes a loan you'll get a commission. We guarantee fast payment!

FAQ

What are the advantages of a partnership with Qeld?

As a partner of Qeld you enjoy multiple benefits. Firstly, you are eligible for a commission on each successful referral (accepted loan). Secondly, a partnership with Qeld is the ideal opportunity to expand your business reach and broaden your customer base. For example, do you sell goods or services to other businesses, like company vehicles, IT-services or supplies? Then a partnership with Qeld helps your customers find quick and reliable financing to purchase your products. Our partners help other businesses grow, invest and innovate, whilst getting rewarded for it: it’s a win-win-situation for all.

Advantages partnership:

Commission on each successful referral (accepted loan)
Attractive growth opportunities in a competitive market
Help your customers find quick financing for your products and/or services
Expand your business reach and broaden your customer base
Qeld is fully responsible for the financial risk: you have zero risk or liability
Become affiliated with the 8th fastest growing company in Europe
Take advantage of expertise on how to maximise your partner potential

Who is Qeld?

Qeld is an expert in business loans and company financing. Founded in 2015, Qred’s mission is to power entrepreneurs and help businesses grow, invest and expand. We provide flexible business loans without start-up costs, hidden fees or hassle: exactly how business lending should be.

How does a partnership with Qeld work?

A partnership with Qeld is your ideal opportunity to be rewarded for helping other businesses (and your customers). The concept is simple: do you know any entrepreneurs in need of a business loan? Refer them to Qeld and encourage them to submit a non-binding and free loan application. If Qeld makes them an offer and they accept, you - as the referral partner - are rewarded by a commission. This means that you can help other businesses find quick financing to purchase your products and services, expanding your customer base and reach whilst getting rewarded in the process.

What are the costs associated with Qeld's loans?

Qred does not have a standard interest fee, instead, we make individual assessments for each company - offering them a personalised quote that best matches their needs. Qred does offer full transparency and easy-to-understand loan terms. For example, we have no start-up costs, hidden fees and don’t work with lock-in periods. Instead, customers have the option to repay the loan in full at any time, giving entrepreneurs the option to remain in control of their finances.

So, what do our customers pay monthly? We charge a standard service fee for our loans (based on loan term, individual credit rating and amount), combined with a standard amortisation fee. Combine the two (service + amortisation) and those are the standard monthly payments, without unexpected surprises. Clear, easy and transparent: that is why savvy entrepreneurs choose Qeld for business loans and financing.

How do I become a partner of Qeld?

Signing up as a partner is as easy as applying for our business loans! You can simply indicate your interest via our Partner page by clicking on the button ‘Become a partner’ and provide us with your company details and contact information. Our partner manager will then take your application into immediate consideration and reach out to discuss the opportunities further.

Who can become a Qeld partner?

Businesses that sell goods and/or services to other businesses, for example, lease companies, IT-services, inventory and business supplies, professional cleaners, financial advisors, etc. are eligible for a Qeld partnership. If you or your company cater to the business market, not the consumer market, you can become a Qeld partner and help other businesses find the right financing for your products.

Corporate

A word from the CEO

All companies may need some extra cash from time to time. We want it to be easy, fast and safe to get a business loan. That’s why we started Qred.

From the start, Qred received a fantastic reception from tens of thousands of small businesses. It feels almost unreal that it is actually possible to challenge the old established banks without being particularly large or strong. My conclusion is that heart and ambition mean more than muscle and tradition.

We are today one of the fastest growing fin-tech companies in the Nordic region, and we have already lent over SEK 2 billion to the smallest companies. It is money that comes in handy – many of our customers stand without traditional bank financing, even though they are run by competent and skilled contractors.

The banks are stuck in a costly costume and small business owners are seen as inconveniences, and not as partners. According to a recent survey, only every 10th company with up to 20 employees has loans from the bank. At the same time, over 80% of all new jobs in Sweden are created today by small companies.

Qred offers loans to small companies in the Nordic region and in the Netherlands. The loans are relatively small (up to around SEK 1 million), and have relatively short maturities (the loans are normally repaid with up to 12 monthly instalments). By limiting the loan amounts and the credit period, we keep the risk down.

Thanks to our unique scoring model and our large and diversified customer base, we have relatively small and very predictable loan losses, which in turn leads to good profitability.

Welcome to Qred!

Financial reports

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Upcoming reports

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Bond documentation

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Board of directors

Thomas Jansson

Chief Growth Officer and co-founder

M.Sc. Accounting (Åbo Akademi University).
Former COO and Business Development Manager at Tact Group.

Andrea Gisle Joosen

Styrelseledamot

Board member since 2019. Born 1964.

Ba & MSc Business Administration & Marketing (Copenhagen Business School).

Chairman of Acast and board member of ICA Gruppen, BillerudKorsnäs and Dixons Carphone.

Mattias Carlsson

Styrelseordförande

Chairman of the Board since 2017. Born 1972.

M.Sc. in Engineering Physics (Uppsala University).

CEO at TF Bank.

Emil Sunvisson

CEO and co-founder

MBA (Stockholm School of Economics), M.Sc. Engineering (Royal Institute of Technology in Stockholm).
Former CEO of Cherry.

Jason Francis

Vice CEO, Head of Customer Success and co-founder

MBA (Stockholm School of Economics). MA Econ (Duke University).
Former Nordic Strategic Manager at Trygg Hansa and Management Consultant at Oliver Wyman.

Executive management

Andres Sehr

Chief Marketing Officer

Bachelor Comm Finance and Marketing (University of Toronto).
Former CMO at Hedvig, Director of Marketing at Truecaller and Marketing DIrector at Spotify.

Björn Bondén

Chief Credit Officer

M.Sc. Industrial Engineering and Management (Helsinki University of Technology).
Former Pricing & Capital Planning at SBAB, Team Lead Risk at Skandiabanken and Consultant at Oliver Wyman.

Oliver Dolan

Chief Technology Officer & CIO

M.Sc Decision Support & Risk Analysis (Stockholm University) and 1:1 B.Sc. Computer Systems Engineering.
Former Engineering Manager at Worldfavor.

Elina Eriksson

Chief Compliance Officer

Qualified as a solicitor in England and Wales, and the Republic of Ireland (BPP Law School, London).

Former Associate at Hogan Lovells International LLP.

Jenny Arvidsson

Chief Legal Officer

Juris Doctor (Santa Clara University School of Law).

Former Associate at Bird & Bird and Attorney at Pillsbury Winthrop Shaw Pittman LLP.

Thomas Jansson

Chief Growth Officer and co-founder

M.Sc. Accounting (Åbo Akademi University).
Former COO and Business Development Manager at Tact Group.

Mia Rosén

Chief Financial Officer

Master’s degree in Economics (University of Borås).
Former CFO at Widespace and Head of Group Accounting at Hoist Finance.

Emil Sunvisson

CEO and co-founder

MBA (Stockholm School of Economics), M.Sc. Engineering (Royal Institute of Technology in Stockholm).
Former CEO of Cherry.

Jason Francis

Vice CEO, Head of Customer Success and co-founder

MBA (Stockholm School of Economics). MA Econ (Duke University).
Former Nordic Strategic Manager at Trygg Hansa and Management Consultant at Oliver Wyman.

Marianne Winblad von Walter

Chief Human Resources Officer

Bachelor Human Resources Management (Uppsala University).
Former HR manager at Nasdaq OMX, Teracom, Proffice, Red Cross and Dahl.

Bond information

Senior secured bond
Nominal amount: EUR 40,000,000
ISIN: SE0012507267
Floating interest rate EURIBOR 3m plus 8.5%
Matures in June 2022
Group ownership: EUR 14,900,000

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Your business loan is ready

Your business loan is ready

How we can help your growth

Qeld at a glance

Our reputation

You can count on us

Frequently Asked Questions

When will the loan be paid out?

Who can apply?

How do I get in touch?

When should I repay the loan?

Questions?

Calculate your loan

This is a Qeld business loan

Loan breakdown

Contact

Every business needs help once in a while...

Qeld at a glance

Testimonials

You can count on us

The Story of Qeld

The People at Qeld

Career Opportunities

Contact

Growth Blog

Help and support

Documents

Contact

Qeld enables financing for your customers

Get started

Kelvin Seppenwoolde

Who can become a partner

How it works

FAQ

What are the advantages of a partnership with Qeld?

Who is Qeld?

How does a partnership with Qeld work?

What are the costs associated with Qeld's loans?

How do I become a partner of Qeld?

Who can become a Qeld partner?

Get started

Corporate

A word from the CEO

Financial reports

Upcoming reports

Bond documentation

Board of directors

Executive management

Bond information

Bond information

Press

Contact

Press communications

Regulatory communications

Whitepapers

Qeld in the media

Press Materials

Newsletter

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