Business financing that grows with your company

To use pay in installments, you must first sign the feature contract and meet the following eligibility criteria:

• be a Qonto customer (even a new customer);
• have a company that has been registered for more than 6 months;
• have your business based in the Netherlands;
• have two-factor authentication (2FA) activated in the Qonto app.

Based on the data we hold about your business, we calculate the credit available to you for pay in installments.

The available credit amount may increase or decrease each month, depending on our recalculation of your repayment capacity.

Your eligibility must be maintained to continue using pay in installments on Qonto. Access to the feature will be withdrawn by Qonto in the following cases:

• your business is seized due to debts;
• your Qonto account balance is insufficient when one of the three installment payments is debited.

For more information about pay in installments and the eligibility conditions, please refer to our dedicated FAQ.

Each partner applies its own acceptance criteria. Whether you qualify for financing therefore depends primarily on:

• your company's registration date
• the age of your Qonto account
• your country of establishment
• your revenue
• your financial obligations

Other factors may also work in your favor, such as strong growth potential or a high level of equity.

Please note: Qonto does not guarantee approval of your application, even if you meet the criteria. Each partner independently decides whether your financing application is approved, based on the quality of your file.

With Qonto, your business gets exactly what it needs, at the right time.

You can:

• manage your day-to-day expenses: protect your cash flow with instant financing for supplier payments;
• accelerate your growth: finance peak periods with funds at the right time for inventory, equipment, or marketing;
• cover unexpected costs: handle payment delays, repairs, and other urgent expenses with confidence.

There is no single "cheapest" option that works for every business. The total cost depends on factors including:

• the type of financing (loan, line of credit, business overdraft, lease, invoice financing, etc.)
• the term
• your risk profile and financial situation
• any arrangement fees and conditions

Through Qonto, you can explore and compare multiple partner options based on your needs. The partner sets the terms and pricing.

When you start a business, you can in principle obtain financing — for example, through a bank loan. Keep in mind, however, that banks almost always require a personal contribution. Without your own capital, your application is likely to be rejected, regardless of your sector.

In that case, there are other ways to raise your startup capital:

Finding partners: this is easier if your project has strong growth potential.

• applying for a loan from specialized organizations (such as regional development agencies or microfinance institutions);
• raising money from family and friends (also known as

Yes, as a self-employed professional, you can certainly apply for a business loan. That said, lenders typically look at a number of key factors before approving your application, such as:

• the age of your business
• your revenue and financial stability
• your credit history
• your future growth potential

In practice: the more stable your income and the stronger your figures, the better your chances of securing financing.

Just starting out with limited revenue? It may be harder to obtain a traditional loan. In that case, explore alternatives such as microloans, financing through partners, or flexible solutions that better match your cash flow.

In short: yes, it's possible — but the terms depend heavily on your financial situation and the stage of your business.

If your business is going through financial difficulties, it's still possible to find financing — but you need to be more strategic. Traditional loans are often harder to obtain, so the key is combining solutions:

• look into alternative financing: consider factoring, short-term credit, or specialized partners that offer more flexibility than traditional banks;
• optimize your cash flow: speed up customer payments and defer expenses where possible to create breathing room quickly;
• renegotiate with suppliers: request extended payment terms to protect your liquidity;
• seek additional capital: through existing partners, new investors, or a capital increase;
• make use of support measures: depending on your situation, you may be entitled to subsidies, tax deferrals, or other government assistance.

The most important thing is transparency: financiers want to see that you understand your numbers and have a concrete plan to get your business back on track.

It depends on the interest rate/fee and the term. A simple rule of thumb:

Monthly payment = (principal + total costs) / number of months.

Example (indicative): if you borrow €10,000 over 12 months, the repayment without costs comes to around €833 per month, with interest/fees on top. You'll only get the exact monthly payment after receiving a quote, as partners set their rates and acceptance criteria on a case-by-case basis.

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Yes, €50,000 in business financing may be possible, but it depends on the provider and your file. Through the financing section in your Qonto account (web app), you can apply for financing solutions with partners.

Each partner applies its own acceptance criteria (such as company age, revenue, country, and existing debts). Qonto does not guarantee approval and does not recommend any specific partner.

Financing means making funds available to pay for or invest in something. For a business, this could mean buying inventory, leasing equipment, funding growth, or covering temporary cash flow gaps.

This is the same as above: financing is the way you pay for a purchase, investment, or business activity, using your own funds (equity) and/or money from an external party (for example, a loan, credit facility, leasing, or other forms).