Qeld
Qeld Business Loan
- Loans from €3,000 to €500,000
- No collateral or early repayment fees
- Payout within 24 hours
- For ZZP’ers, startups, and SMEs
| Loan Amount: | €3,000 – €500,000 |
| Interest Rate: | 6% – 15% |
| Payout Time: | Within 24 hours |
| Repayment Term: | 6 – 36 months |
Overview of Qeld Business Loan
Qeld offers fast and flexible business loans to self-employed professionals, startups, and SMEs across the Netherlands. With loan amounts ranging from €3,000 to €500,000, no early repayment fees, and a streamlined online process, Qeld appeals to businesses looking for speed and simplicity.
Pros:
- Funds typically paid out within 24 hours
- No hidden fees or early repayment penalties
- Fixed monthly repayment for easier planning
- Available to startups, sole traders, and established businesses
Cons:
- Repeat applicants may face stricter conditions after late repayment history
- Interest rates can be relatively high for unsecured loans
- Personal guarantee often required for larger loan amounts
What Services Does Qeld Offer?
Qeld provides business loans tailored to different company types and funding needs. All loans come with a fixed monthly repayment structure and no early repayment penalties. Below is an overview of Qeld’s core lending options:
| Loan Type | Loan Amount | Interest Rate | Term | Payout Time | Credit Info | Payment Note |
|---|---|---|---|---|---|---|
| Standard Business Loan | €3,000 – €500,000 | 6% – 15% | 6 – 36 months | Within 24 hours | Bank activity, business status | Fixed monthly cost |
| Start-up Loan | €3,000 – €500,000 | 6% – 15% | Flexible | Within 24 hours | Business plan, bank history | No early repayment fees |
| ZZP / Self-employed Loan | €5,000 – €200,000 | 6% – 15% | Up to 36 months | Within 24 hours | KvK registration, income review | Fixed repayment, flexible terms |
| Sector-Specific Loan | Up to €500,000 | Varies | Flexible | Same day possible | Sector profile, turnover history | First month often interest-free |
Each product is structured to fit specific business stages or needs, such as early-stage capital, working capital, or expansion funding.
What Requirements Does Qeld Have for Applicants?
Qeld keeps its eligibility criteria simple, making it accessible to a wide range of businesses. Whether you’re a startup or an established SME, approval depends primarily on business activity and recent financial performance.
To qualify, you need:
- A registered business in the Netherlands (KvK)
- At least 6–12 months of operational history
- A valid Dutch ID and a local business bank account
- Recent bank statements showing regular revenue
- For higher loan amounts: a personal guarantee may be required
- For startups: a clear business plan and financial outlook
Qeld does not require physical collateral, making it suitable for businesses without assets to pledge. Instead, they assess risk based on cash flow and business performance.
How Does Repayment Work with Qeld?
Qeld uses a fixed monthly repayment model, where each payment includes both the loan principal and the usage fee. This makes it easy to plan your business finances with no unexpected costs.
- Repayment term: Typically between 6 and 36 months
- Monthly amount: Stays the same throughout the loan period
- No early repayment fees: You can repay the full loan at any time without penalty
- Payment method: Monthly automatic debit from your business account
The predictable structure is ideal for small businesses that need clarity in budgeting and cash flow management.
How Do You Apply for a Business Loan from Qeld?
Applying for a Qeld business loan is fast and fully digital. The process typically takes just a few minutes from start to finish.
Steps to apply:
- Choose your desired loan amount on Qeld’s website
- Fill in a short online form with basic business and personal details
- Upload recent bank statements and your KvK registration
- Submit your application for review
- Receive a decision within one business day
- Accept the offer and sign digitally
- Funds are transferred — often on the same day
There’s no obligation to accept the loan offer, and you’ll know the monthly cost upfront before signing anything.
When Does Qeld Pay Out Business Loans?
Once your application is approved and the agreement is signed, Qeld typically transfers the funds the same day. In most cases, businesses receive the loan within 24 hours on working days.
| Day | Payout Time |
|---|---|
| Monday–Friday | Same day or within 24 hours |
| Saturday | Paid out next business day |
| Sunday | Paid out next business day |
Fast payout is one of Qeld’s main advantages, especially for businesses needing urgent access to capital.
Customer Service
Qeld’s customer service is designed to be quick, accessible, and entrepreneur-friendly. Support is available via phone, email, and live chat during business hours.
Users consistently report fast response times and clear communication. Most questions regarding loan terms, repayment, and application status are answered within the same day.
Qeld also provides a straightforward customer dashboard where borrowers can monitor their loan balance, payment schedule, and download invoices or agreements.
Facts About Qeld
| Company Name | Qeld (part of Qred Bank AB) |
|---|---|
| Address | Keizersgracht 391, 1016 EJ Amsterdam |
| Corporate Number | 72603372 |
| Homepage | www.qeld.nl |
| support@qeld.nl | |
| Phone | 020‑808 6084 |
FAQ
Frequently Asked Questions
Yes, Qeld accepts applications from startups as long as there’s some proof of financial activity or a business plan.
No, Qeld loans are unsecured. However, a personal guarantee may be required depending on the loan amount and business type.
You’ll typically receive a response within one business day after submitting your application.