Jean-Étienne stays ahead of unexpected expenses
“I rely on highly specialized equipment for my work. Thanks to installment payments, if something breaks down, I never have to dip into my personal savings. This saves me a significant amount of stress.” - Jean-Étienne Loose, Sound Engineer and Freelance Musician
About the company
Since he was 14, Jean-Étienne knew he would make music his profession. A sound engineer and freelance musician, he started his business in 2011. He works with major record labels on digitization, mixing, and mastering projects.
"Pay later gives me peace of mind."
Immediate response
At his previous bank, he had to follow up with his advisor for 3 days to get a response. With Qonto, it's instant.
Up to €30,000
With Pay later, Jean-Étienne can finance up to €30,000 and spread his payments over 3, 6 or 9 installments.
Fixed monthly interest
Jean-Étienne knows the monthly interest rate in advance. It doesn't change, no matter what.
Track your finances, wherever you are
Before Qonto
A client of a traditional bank, Jean-Étienne found his banking app austere and not always accessible when he needed it.
With Qonto
“I'm no wizard when it comes to admin. The simpler, the better. The Qonto app is pleasant to use. I have access to my business account directly from my phone, even when I'm recording outside my studio. The additional tools make it simple to manage my financials, and my accountant has her personal access.”
Before Qonto
A client of a traditional bank, Jean-Étienne found his banking app austere and not always accessible when he needed it.
With Qonto
“I'm no wizard when it comes to admin. The simpler, the better. The Qonto app is pleasant to use. I have access to my business account directly from my phone, even when I'm recording outside my studio. The additional tools make it simple to manage my financials, and my accountant has her personal access.”
Manage the unexpected with ease
Speed and autonomy
With Pay later, Jean-Étienne used installment payments to change a speaker system. This gave him an immediate solution while preserving his cash flow. "I can access purchase financing whenever I want. Since I have a ton of equipment, this definitely gives me peace of mind. I know I always have a solution at hand, available instantly. One click, and it's done."
Jean-Étienne reused purchase financing to pay a supplier upon receipt of the invoice, rather than in 30 days. Pay later helped him prioritize his partnerships.
Speed and autonomy
With Pay later, Jean-Étienne used installment payments to change a speaker system. This gave him an immediate solution while preserving his cash flow. "I can access purchase financing whenever I want. Since I have a ton of equipment, this definitely gives me peace of mind. I know I always have a solution at hand, available instantly. One click, and it's done."
Jean-Étienne reused purchase financing to pay a supplier upon receipt of the invoice, rather than in 30 days. Pay later helped him prioritize his partnerships.
Jean-Étienne's favorite product features
Qonto's core strength: its app, accessible anytime from your pocket
Digitized receipts
Take a photo of your receipts and upload them to Qonto. They hold the same legal value as the original paper versions.
Multiple accounts
Create multiple accounts with dedicated IBANs to separate your expense categories and allocate budgets to your teams.
Accountant access
Simplify your interactions with your accountant by giving them access to your Qonto account.
Who would you recommend Qonto to?
Who would you recommend Qonto to?
