Bring your projects to life thanks to Qonto’s recommended financing partners. Enjoy a faster application process with fewer steps and less red tape. Receive financing funds directly on your Qonto account.
Make applying for financing easy. Give our credit partner secure access to your account so you can skip application steps and save time on manual data entry. Then our partner will process your application directly.
Receive funds straight to your Qonto account. When you apply through our Financing section, you grant our partner secure access to your IBAN so they can send funds seamlessly once approved.
We only select financing partners who fully understand the needs and challenges of SMEs.
100% flexible and instant credit lines you can access in a few clicks
Immediate funds to grow your digital business without giving up equity
Fast and streamlined financing for every key moment of your company's growth
Easy to access funding for online businesses, e-commerce entrepreneurs or scaling SaaS companies
Whatever you need your financing for, we’re here to help you find it.
Support your daily operations, cover your running costs and safeguard your cash flow.
Expand to new markets, scale up your operations and invest in your ambitions.
Get relief when unforeseen costs arise and shield yourself from nasty surprises.
Qonto is your 100% online, all-in-one business account that energizes your everyday finance management.
Each partner has their own eligibility criteria. Generally speaking, your company’s chances of obtaining financing will depend mainly on the following:
Other factors may increase the likelihood of being granted financing, such as a strong growth potential or a high level of equity capital.
Please note that Qonto cannot guarantee that you will obtain a loan, even if you do meet all the eligibility criteria. Each partner remains free to accept or reject your application for financing, based on their own assessment.
Most companies need funds to grow or scale their activity. Here are the three main methods of financing that companies can leverage to improve their cash flow:
Financing with equity capital is a factor in the creation of a company. To cover cash flow requirements at launch, the company’s associates make capital contributions.
This step includes the deposit of share capital, which is required in order to complete the company registration.
As a company grows, it might need to increase its equity capital. There are several financing options open to the associates in this case:
If your financing needs are linked to investments, you can contact local authorities to obtain investment grants. The main advantage of this method of financing is that companies have no obligation to pay back the sums granted.
Of all the sources of financing, business credit is one of the most common means preferred by companies. However, convincing banks to approve a loan is not always easy for entrepreneurs.
Banks will always seek to minimize the risks in case a business fails. As a result they will usually ask for a significant personal contribution from the borrower, often between 10% and 50% of the amount borrowed.
As well as this personal deposit and a convincing business plan, banks require solid guarantees on the assets held by the borrowing company or its associates before granting a loan. These guarantees might include:
If you don’t have enough financial assets and personal contributions to convince banks to lend you money, there are other lines of financing that exist to help you grow your business.
If you wish to purchase equipment or real-estate property, leasing can be a good alternative. For this, contact specialized leasing companies that will buy these assets and then rent them to you. At the end of the leasing contract, you have three options:
Another less-known solution for companies seeking to improve their cash flow is factoring. This allows companies to transfer their commercial receivables - the money they’re owed by their customers - to a third party known as a factor.
As well as covering your short-term financing needs, factoring shields you from unpaid debts from your customers. It is effectively the factor that takes on the recovery of those debts.
Crowdfunding is another source of outside financing that is becoming popular among SMEs. Opting for a crowdfunding platform allows companies to raise funds quickly from a large audience of individual investors. Rather than being an alternative to bank loans, crowdfunding often complements a business loan.
If your business project has a high growth potential, you can turn to venture capital companies or individuals with investment experience known as business angels.
If you’re looking to launch a new company, you can obtain financing, including a bank loan, to do so. However most banks will typically refuse to meet your financing needs without a personal deposit on your part.
If you can’t provide a deposit, there are other sources of financing that can help you gather the funds you’ll need to launch your business:
As well as these financing methods, you can also receive state support designed specifically for entrepreneurs wishing to create a new business or take over an existing one. Such support varies from country to country but in France it can include:
There are also support initiatives for female entrepreneurs wishing to launch or take over a company. In France, for example, these include:
Despite the required guarantees and personal deposit, there are several advantages to taking out a business loan.
Asking a bank or other credit provider to finance your company allows you to maintain full ownership of your business because the loan does not count as equity. Borrowing rather than opening up your company capital to others will mean you keep total control over how your business is run.
As well as your short-term borrowing needs, a business loan allows you to finance any project for your company, such as:
The main benefit of a loan compared to other sources of financing is that you can adapt its duration according to your needs. This helps you keep a clear vision of your repayments and your cash flow.
When interest rates are low, business loans carry a low cost to companies and do not weigh heavily on finances.
Also, the interest you pay on a loan is often tax-deductible (in France, for example, this is the case). This means you can make tax savings worth up to 25% of the amount of interest you pay.
Finally, a business loan is generally less expensive than leasing or renting because there are fewer third parties who will need to be paid.