Flexible financing

Choose the right business financing deal for you from our selection of partner offers. Enjoy a speedy application process that’s 100% online with no hidden costs.

Try it free for 30 days.
Over 450,000 companies trust Qonto

Financing partners to help you thrive

Discover all our offers designed for SMEs, sole proprietors and freelancers.
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Financing type

Revenue-based financing

Short-term financing


€1,000 to €250,000

€500 to €1 million

Repayment period

3 to 12 months

1 to 4 months

Interest rate

2.5% - 26.3%

Interest rates are determined by risk-based pricing, and vary depending on loan term and creditworthiness of applicant(s).

0.05% per day

Payout time

24 hours after approval

Immediately after approval 

(+ standard SEPA transfer timeframe of 48h max.)
Eligibility Criteria
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Required time in business

At least 6 months

At least 4 months

Company location


Germany or France

Accepted legal forms

Sole proprietorship, e.K., GbR, GmbH (& Co. KG), UG, OHG.

AG, GmbH, UG, GmbH & Co. KG.

Legal requirements

No personal guarantee or personal collateral required

No bankruptcy proceedings in the last 24 months.

Special conditions


Only business email addresses are accepted.

You're in good hands

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Stay in control

The account admin can adjust the limits of each card in real time
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Our plans scale up as your business grows.
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A dedicated team is available 7days/7 to answer your questions.

Apply for financing in just a few clicks.

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Open a Qonto business account.


Choose a financing offer.


Connect your account to our partner.

Your questions about financing

Does my company meet the financing criteria of Qonto's partner companies?

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What are the main sources of financing?

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What financing options are available for business founders?

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What are the benefits of a business loan for my company?

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