Investor relations

Qred is the Nordic market leader within digital small business loans.

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MSEK LENT TO SMALL BUSINESSES
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JOBS CREATED / DAY
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REVENUE GROWTH 2015-2018

A word from the CEO

 Emil Sunvisson, CEO

All companies may need some extra cash from time to time. We want it to be easy, fast and safe to get a business loan. That’s why we started Qred.

From the start, Qred received a fantastic reception from tens of thousands of small businesses. It feels almost unreal that it is actually possible to challenge the old established banks without being particularly large or strong. My conclusion is that heart and ambition mean more than muscle and tradition.

We are today one of the fastest growing fin-tech companies in the Nordic region, and we have already lent over SEK 2 billion to the smallest companies. It is money that comes in handy – many of our customers stand without traditional bank financing, even though they are run by competent and skilled contractors.

The banks are stuck in a costly costume and small business owners are seen as inconveniences, and not as partners. According to to a recent survey, only every 10th company with up to 20 employees has loans from the bank. At the same time, over 80% of all new jobs in Sweden are created today by small companies.

From the start, Qred received a fantastic reception from tens of thousands of small businesses. It feels almost unreal that it is actually possible to challenge the old established banks without being particularly large or strong. My conclusion is that heart and ambition mean more than muscle and tradition

Qred offers loans to small companies in the Nordic region and in the Netherlands. The loans are relatively small (up to around SEK 1 million), and have relatively short maturities (the loans are normally repaid with up to 12 monthly instalments). By limiting the loan amounts and the credit period, we keep the risk down.

Thanks to our unique scoring model and our large and diversified customer base, we have relatively small and very predictable loan losses, which in turn leads to good profitability.

As we grow, we need to invest more capital to meet the high demand from our customers. We therefore now offer investments in Qred preference shares. With us, you will get a fair return on your money, while at the same time helping small businesses.

Welcome to Qred!

UPCOMING REPORTS

27 Feb 2020 Year-end report Jan – Dec 2019

29 Apr 2020 Annual report publication 2019

28 May 2020 Interim report Jan – Mar 2020

31 Aug 2020 Interim report Jan – Jun 2020

30 Nov 2020 Interim report Jan – Sep 2020

PRESS

More about Qred in media, news and images: press.qred.com

GENERAL MEETING

Annual general meeting May 28th, 2020

Invest in preference shares

Monthly payments

You get 7.0 % annual dividend, automatically paid on a monthly basis (1/12 per month). If you e.g. invest SEK 200 000 you will get SEK 1 167 kr per month in dividend, in total SEK 14 000 per year.

No fees - Free repurchase

We have no fee. And you may request repurchase of your shares at any time. Investments in unlisted companies are also taxed lower than regular interest income. An investment in Qred is both smart and profitable.

Help small businesses

4 out of 5 new jobs are created by small businesses. We help small businesses to grow. We have already helped tens of thousands small businesses, and your investment will give us the opportunity to help even more small businesses.