Simplified corporate financing

No red tape, no hidden fees, no waiting weeks for an answer.

Apply for funds in a few clicks & get a quick response. If it's approved, receive the money straight into your Qonto account.

Digital financing that just clicks

Our financing partners

Pay later with Qonto

Tailored offers via our partners

  1. Finance longer-term projects and larger sums (up to €1M, national limits apply).
  2. Sync account data for a fast-tracked, paperless application process and a reply within 48h.
  3. Our financing partners are customer-centric, digital-first and tailored to SMEs.

Financing terms & eligibility criteria vary from one partner and one country to another.**

Mint  cards Financing Up To 10m

Get funds to finance mid-to-long-term projects and growth opportunities.

Mint  cards Financing Handpicked

We only select partners who understand the needs & challenges of SMEs.

Mint   cards Financing Faster Funds

Automate your application & get funds directly into your Qonto account.

Get to know our partners

We select our financing partners carefully, each of whom specializes in the needs of SMEs and the self-employed.

Pay later with Qonto

Your eligibility and credit limit are reassessed each month. Terms and conditions apply.*

  1. Up to €10,000 in your account instantly to pay your supplier invoices.
  2. Repayment in 3 monthly installments at a fixed 1.17% interest rate.
  3. Track all repayments & remaining credit limit easily, directly in Qonto.

Purple  cards Pay Later Up to 10000

Discover available credit & sign a non-binding contract to unlock it.

Purple  cards Pay Later Immediate funds

Use Pay later whenever you need it and as soon as you need it.

Purple  cards Pay Later Full Transparency

Follow your remaining installments & credit limit easily from the app.

“I can finance my business whenever I want with Qonto, with just one click. It gives me peace of mind, especially if I have any problems with my equipment.”

Jean-Étienne Loose


Sound engineer and freelance musician

For fluid cash flow, future growth or rainy days

Get what your business needs, when your business needs it.

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Cover day-to-day costs

Finance your short-term operational expenses without putting pressure on your cash flow.

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Seize growth opportunities

Invest in fresh stock, new equipment or ad campaigns ahead of peak sales seasons.

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Deal with nasty surprises

Stay covered in case of late customer payments, repairs and other unexpected business costs.

The business loan that suits you

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Our financing partners are customer centric, transparent, digital-first, and hands on. That’s why we’ve chosen them.

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Apply for financing while saving on paperwork: get started and finalize your application online.

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You’re more than ‘just a number’. Our partners are dedicated to understanding your needs and more than happy to answer your questions.

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Designed for SMEs and the self-employed, our partners increase your chances of obtaining funds. Securing funding shouldn’t be so difficult.

Finance & financing in 1 fine app

  1. Open a business account with a local IBAN in just 10 minutes.
  2. Intuitive dashboards for real-time insights to inform financial decisions.
  3. Physical and virtual Mastercards.
  4. Instant SEPA and international SWIFT transfers.

Not with Qonto yet?

You must be a Qonto customer for at least 6 months before becoming eligible for our financing offers.

Open an account now and start saving time on finance tasks.

Frequently asked questions about corporate financing

What is a corporate loan?

What are the different types of corporate loans?

What documents are required to apply for a business loan with Qonto’s partners?

How long will it take to pay off my loan?

How do I find the right business loan?

What is the corporate interest rate?

What kind of collateral is required for a business loan?

What is the procedure for applying for a business loan?

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