Fast loans for your business

Need financing to grow your business? With Qonto and iwoca, you can apply online and receive confirmation for your loan within 24 hours.

No-fuss credit with Qonto + iwoca

Get the expertise of iwoca, one of Europe’s leading lending platforms

With Qonto and iwoca you’ll get minimal bureaucracy and no wasted time

Custom-fit loans for your business

Loans from €1,000

up to 24-month terms

Online registration - receive your loan confirmation within 24 hours

Fast, simple & 100% online financing

No more red tape

Free yourself from piles of documents and endless personal guarantees. We analyze your past transactions automatically when we assess your application.

Apply in minutes, get your confirmation within 24 hours

Get your initial response instantly. Once we’ve approved your application, your money is on its way to you.

Manage everything via Qonto

Centralize your finances: use your Qonto app to complete the application and receive the funds directly in your Qonto account.

Discover the offer

Get a first response right away


Complete your application in a few minutes


Get an initial response within 24 hours


Receive your money in 48 hours

How you can benefit from our loan offer with iwoca

You’ve been a Qonto customer for at least 3 months

Your business earnings exceed €10,000 per year

Your company is registered in Germany

For loans exceeding €10,000, you’ll need to provide your BWA and SuSa of the current and previous two years

Not a Qonto customer yet?

Qonto is the 100% online, all-in-one account that simplifies your finances

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