Business loans

Loans for sole traders and small companies, from lenders whose terms we have checked on their own websites. More lenders are under review.

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Qred Bank

Business loan

Germany

For companies of all types in Germany
Payout straight after signing (lender's statement)
Business credit, not consumer credit: the protections for consumer loans do not apply

Amount: €5,000 to €500,000
Term: Up to 60 months; can be repaid in full at any time
APR: Price set per company: see Qred's price list

Lender: Qred Bank AB, Malmskillnadsgatan 39, 111 38 Stockholm, Sweden (company no. 559008-9800). Bank licensed by the Swedish Financial Supervisory Authority, Finansinspektionen (institution no. 80569), operating in Germany under the EU passport. Checked on 5 November 2026 on the lender's website (Source).

What to compare in a business loan

Total cost: interest, arrangement fees and any early-repayment fee, not just the monthly rate.
Personal guarantee: many SME lenders ask the owner or directors to guarantee the loan personally.
Term and repayment profile: fixed monthly instalments, or repayments linked to your card takings or revenue.
Eligibility: minimum trading history (often 6–12 months) and turnover, and the legal form of your business.
Speed and documents: online lenders often decide in days, using bank statements or open banking.