A loan for your business of €5,000 to €500,000 for all types of companies, regardless of what you are excellent at. All entrepreneurs deserve a boost!
Duration up to 60 months
Individual pricing
Direct payout
A working capital loan is a short-term loan to finance ongoing costs such as goods, salaries or rent, which ensures the liquidity of a company.
It is used for targeted financing of day-to-day business operations, as opposed to long-term investments. It is actually just another form of corporate loans.
In practice, a working capital loan means one thing in particular: financial flexibility.
It is used to cover expenses before the corresponding income is received. Typical examples include:
In these situations, a working capital loan helps to keep business operations stable.
Waldo Chocolate & Pastries
A working capital loan ensures your company's ability to act. Whether purchasing goods, salaries or short-term bottlenecks — with the right financing, you can take advantage of opportunities instead of missing them.
Speed is decisive, especially in the everyday life of SMEs. When payments are delayed or new orders need to be financed immediately, flexible working capital financing is the key to success.
With Qred, you get quick access to capital — simply, digitally and without unnecessary bureaucracy.
A company buys goods for 50,000€, but customers only receive payment after 30 days. A working capital loan immediately fills this gap.
In this way, salaries, rent or suppliers are paid on time without jeopardizing liquidity. The result: smooth business operations.
A working capital loan is one of the most efficient instruments for active liquidity management.
It gives you the leeway you need to:
Anyone who strengthens their working capital in a targeted manner secures a real competitive advantage.
A working capital loan covers short-term capital requirements to securely finance your company's running costs.
Typical areas of application include purchasing goods, personnel resources, marketing measures or ongoing operating costs.
The interest rate on a working capital loan is an important factor — but not the only one.
The actual working capital loans interest depend on:
It is crucial to look at financing in the overall picture.
In addition to the interest rate, the main factors include duration, fees and flexibility.
A supposedly cheap offer can become more expensive if:
The best financing is the one that adapts flexibly to the realities of your company.
A direct comparison shows clear advantages for your liquidity:
Current account credit: Flexible, but often with very high interest rates for the account minus.
Working capital loan: Targeted financing with fixed installments and better predictability.
Use the working capital loan as a clever addition to protect your expensive overdraft facility
The decisive difference often lies in the details:
Supplier credit: Indirect financing, which is often more expensive than expected due to the absence of cash discounts.
Working capital loan: Direct liquidity with transparent costs.
The clever strategy: Pay invoices immediately, take full advantage of discount benefits and thus effectively reduce costs instead of exhausting expensive supplier credit.
Learn more: Understanding supplier credit as an alternative.
Financing via a working capital loan can be provided by traditional banks or alternative providers. While traditional banks often take up a lot of time, modern solutions offer immediate access to capital.
When it comes down to it, one thing in particular counts: How quickly can you act?
Today, a loan application doesn't have to be complicated anymore.
With Qred: you benefit from a digital process:
In this way, you can secure liquidity exactly when your business needs it.
If you want to compare working capital loans, you should keep an eye on more than just interest rates. Pay attention to these key factors:
Simply looking at the interest rate is often not enough to find the best solution for your business.
When comparing investment credit Working capital credit applies:
Investment credit: Finances long-term purchases such as machinery or real estate.
Working capital loan: Secures short-term liquidity for ongoing business operations.
The right choice depends on whether you want to create value in the long term or remain able to act in the short term.
Internationally, the working capital loan is called Working Capital Loan referred to. Even in a global context, he describes the same important function: ensuring short-term liquidity in order to be able to cover operating costs at any time.
Since 2015, Qred has financed thousands of small and medium-sized companies in Europe and specializes in fast, easy solutions.
Especially in the area of operating equipment, companies benefit from:
Our goal: You remain able to act without jeopardizing your business relationships or growth
What is a working capital loan?
A working capital loan is a short-term loan to finance ongoing costs such as goods or salaries.
What is the interest rate on a working capital loan?
Interest rates are calculated individually and depend on factors such as the company's creditworthiness and economic performance.
How quickly can you get a working capital loan?
With Qred, you will often receive a decision and the payout to your account within 24 hours.
What is the advantage of a current account loan?
Compared to overdraft facilities, it usually offers better conditions and a clear structure for your planning security.
A working capital loan is a key instrument for stable liquidity and entrepreneurial flexibility.
Anyone who has quick access to capital can immediately take advantage of market opportunities, reduce risks and actively manage their own growth.
With the right financing, you create the basis for sustainable success.
Founded in 2015 by entrepreneurs for entrepreneurs, Qred has quickly become the bank for small businesses. Qred is the market leader in the Nordic countries and is also active in the Netherlands, Belgium and Brazil.
Qred is really excited to support small businesses in Germany as we believe small businesses are the backbone of the economy. They deserve better service and solutions that are actually tailored for them. Our dedicated team will be there to support these German companies on their growth path
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We'll help you find the best financing solution for your business.
