The Credit section, accessible to Owner and Admin roles, lets you discover credit products offered directly by Qonto, as well as financing solutions from our trusted partners, all in one place.
What credit products does Qonto offer directly?
Qonto offers three short-term credit solutions to help you manage your cash flow:
- Pay Later: Finances specific supplier invoices with structured installment plans. Upload individual unpaid invoices (minimum €150) and repay in 3, 9, or 12 monthly installments. Your credit limit ranges from €500 to €100,000 and is reviewed monthly.
- Overdraft: A revolving credit line that automatically covers payments when your balance is insufficient. You only pay interest on the amount used, at a fixed rate with no additional fees. Your balance must return to €0 or above within 60 days of use. Interest is calculated daily and charged quarterly.
- Credit Card: Defers card purchases to a single monthly repayment on the 1st of the following month, with 0% interest when repaid on time. You can spend up to €15,000 per month based on your credit score. Only available as a Plus or X card, with one card per organization.
What types of financing do Qonto's partners offer?
Through the Partner offers tab, you can access a range of financing types suited to different business needs. Here are the most common:
- Revenue-based Financing: Secure funding by pledging a percentage of your future revenue or monthly turnover. Repayments are proportional to revenue, making them flexible. This is a non-dilutive financing option, meaning you retain full control of your company's share capital.
- Short-Term Financing: Boost your working capital quickly for needs lasting less than a year, such as financing stock, running marketing campaigns, or covering unexpected costs.
- Invoice Financing: Increase your cash flow by selling unpaid invoices to a third party. A lender advances a percentage of the invoice value upfront; once your customer pays, you reimburse the lender and pay a service fee.
- Business Loans: The most traditional form of financing. A lender provides a lump sum that you repay with interest over time, usually in fixed monthly installments.
☝️ The information above is purely educational. Qonto does not recommend any particular offering. Qonto is not granting these loans, has no liability for losses incurred after taking out a loan, and plays no role in partners' underwriting or credit assessment processes.
What is working capital requirement (WCR)?
Working capital requirement (WCR) is a financial indicator made up of three elements:
- The value of inventory needed to keep your business running (raw materials, merchandise, finished goods)
- The total amount invoiced to customers that you have not yet collected
- The total amount you owe to your suppliers
It is calculated as follows: Inventories + Amounts invoiced to customers − Amounts due to suppliers.
- Negative WCR: You have a cash surplus, which allows you to self-finance your activity or invest.
- Positive WCR: You need additional cash to sustain your operations — this is where Qonto's partners can help.
Where can I get help with a partner financing application?
For questions about eligibility, application status, or the terms of a partner offer, contact the partner directly. You can find each partner's customer support links and resources within their dedicated page in the Partner offers tab of the Credit section on your Qonto account.
If none of the partner offers match your needs, you can share more about your situation using this form.