Tailored financing solutions – 100% online

Qonto empowers your business growth with online financing solutions for supplier installment payments, and fast financing through qualified partners.

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4.8

Recommended by SMEs on G2

Keep operations running while waiting for customer payments

Discover Qonto's solution

Manage inventory and pay suppliers early for discounts

Discover Qonto's solution

Expand your business, acquire property, hire staff

Discover partner offers

Secure your business operations

When you're running a small business, every expense counts.

Get up to €50,000 for your invoices and transactions
Get essential equipment and tools when you need them, and spread costs with installment payments over a longer period
Invest in growth without straining your budget, with flexible short-term financing

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Your financing

Up to €50,000

Available instantly (after contract signature). Full transparency on your repayment plan thanks to the simulator and a clear visualization.

Your repayment

3, 9 or 12 installments

Pay in 3, 9 or 12 installments – or early anytime. Interest rates adjust flexibly according to your chosen term.

Interest rate

0.62%

Interest rates are dynamic and may vary based on the term and your business situation.

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100% online financing

To access our financing offers, you need to have been a Qonto customer for at least 6 months. You can then request financing in just a few clicks, directly from the Qonto web and mobile app.

Pay later requirements

24/7 customer service

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Partner offers

Smart financing for your growth

Finance your growth and expansion, or improve your business liquidity, with tailored loans for your company.

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Discover business loans

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Fast digital loans

Flexible loans for SMEs and self-employed

Benefit from immediate loan approval for amounts up to €500,000 thanks to automated credit checks

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Real-time business loans

Fast business loans for SEMs from all sectors

Finance your business with transparent loans and sales-based repayments.

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Revenue-based financing

Secure financing for digital companies

Cover your expenses for marketing, recruiting, inventory and more.

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Digital Factoring

Dynamic business loans for SMEs

Apply for 100% flexible and short-term financing with just a few clicks

Eligibility criteria vary by partner. Get more details on respective partner pages.

Eligibility criteria vary by partner.

Qonto already supports 600,000 businesses

“For us, Qonto was an absolute game changer, precisely because of the many financing options it offers. We are taking full advantage of these opportunities to drive our growth.”

Polina Sergeeva

Co-founder of Menstruflow

Qonto, your all-in-one solution

Qonto's online business account offers you financing, invoice management, pre-accounting, expense management and much more, all in one app.

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*Pay later is a financing offer from Qonto (Olinda SAS). Borrow up to €50,000 for your invoices, with no down payment and with a monthly nominal rate starting from 0.62% (equivalent to an APR starting from 7.44%). Rates are dynamic and personalized, but remain fixed once confirmed for the entire loan term. Repay the invoice amount plus interest (tax included) in three, six, or nine equal installments, to be debited automatically from your Qonto account starting one month after your purchase. Subject to eligibility assessment. Eligibility is re-assessed on a monthly basis; you can check if you're eligible by clicking on Pay later in the Financing section. Activating the Pay later feature is risk-free and non-binding. Signing the Pay later contract does not oblige you to use it, and there are no charges for non-use. More information is available in our Help Center.

**Qonto does not recommend any particular partner, nor does it guarantee or grant financing. Choose a partner based on your needs, their eligibility criteria and your ability to repay. Qonto is not responsible for any losses you may incur as a result of taking out a loan and plays no role in the underwriting process or the evaluation of your applications. Nothing on this page or in the Financing section should be construed as financing or investment advice.