Apply for SME loan? We help you!

An SME loan is a business loan for a credit requirement of at least € 50,000 and a maximum of € 250,000 for starting and existing entrepreneurs in small and medium-sized enterprises.

Are you a starting or existing entrepreneur or do you want to take over a company? And do you want to borrow a maximum of € 250,000? Then the SME loan is for you! 

• You get financial space to realize your dreams
• You will receive individual tailor-made advice
• We offer personal coaching by an experienced coach
• We choose a positive approach

What is an SME loan?

An SME loan is a business loan of € 50,000 to € 250,000 for starting and existing entrepreneurs in SMEs. The term of the loan is 1 to 10 years.

At Qredits we are happy to support small and/or starting entrepreneurs with an SME loan. You repay part of your loan each month plus interest. Additional repayments can be made without penalty under certain conditions and a BMKB guarantee is also possible. It is possible to receive free coaching for a year. Are you a social entrepreneur? Then you qualify for our social credit and you can borrow at an interest rate of 5.75%

How do we assess your application?

We carefully assess your application. In order to get a loan, we need a number of documents from you.

Are you a starting entrepreneur ? Then we would like to receive a complete business plan including financial plan from you.

Are you an existing entrepreneur ? Then we need a description of the business activities and the investment objective. We would also like to receive the final annual figures for the past two years and interim figures for this year.

Are you going to take over a company ? Then we would like to receive a complete business plan including financial plan from you. And we would like to receive the final annual figures for the past two years and interim figures for this year.

A copy of your latest IB declaration (also from your private partner, if any) must be available and, if applicable, a copy of your rental contract, purchase contract and/or franchise contract. Are you not a starter? Then the articles of association of your company must also be available.

We also check your details with the Credit Registration Office (BKR). If you have a notification here, that's not always a problem.

What are the interest and costs?

What your business loan will look like exactly depends on your personal situation and wishes. Our business advisor will discuss this with you in a personal conversation.

We charge an interest from 7.75% per year for SME credit. The interest is fixed for the entire term of the loan. With an increased risk, we can calculate a surcharge of 1%.

The handling costs of an SME loan are 1.5% of the loan. With a maximum of € 2,500. If you make use of the BMKB guarantee, the State charges a one-time guarantee commission. The amount of this depends on the total term of the credit and varies between 3.9% and 5.85%. More about our interest and costs .

How does a credit application work?

1. The application

You can start with your online application in our credit application module. We ask for your personal and company details. Depending on your stage of entrepreneurship, starter or existing, we would like to receive a number of documents. 

2. Appointment with business advisor

Does your plan look good? We will then call you to schedule an appointment with a business advisor from your region. The business advisor will then visit you at home or at your business. Sometimes it is possible to get acquainted online, for example via a video call. You will discuss your business plan and the credit application together. 

3. Provision of a loan

Approved? Yes! We will send you a loan proposal with all agreements in it. Do you agree to this? Then you will receive a final agreement. After digital signature, the credit will be deposited into your account. You can get started right away!