The Financing section is only accessible via the Web app to Admins and Account Holders of Qonto accounts who are company representatives or beneficial owners.
With our partners, discover and receive financing offers that give your business a boost. Financing is a section of your Qonto account, available only from computer, where you can find the best industry partners, carefully selected by Qonto, to meet your financing needs. Learn more about the various types of financing offered.
What is the purpose of the Financing section?
The Financing section allows you to get in touch with partners selected by Qonto that meet the financing needs of small and medium enterprises (SMEs).
👉 If you have questions about eligibility requirements, the status of your application or other concerns, we recommend contacting the partner offering the service directly. You can find links to the partner's help center and resources in the Financing section of your Qonto account.
⚠️ Qonto does not promote any particular offer among those proposed by partners. The choice of offer should be based on your specific financing needs. Furthermore, since Qonto is not the one granting the financing, it has no responsibility for any losses you may suffer following the activation of the financing, nor does it intervene in the subscription or credit assessment processes carried out by partners.
Is my business eligible to receive financing?
To access the Financing section in the Qonto app, your company must have been registered for at least six months.
Other eligibility criteria may vary depending on the partner. These may include seniority with Qonto, your business location, turnover, business history and more.
To find out if your business is eligible to access a specific offer, visit the Financing section and take a look at the details on the partner-dedicated pages, as shown below:
How do I submit a financing request?
Qonto does not take part in the decision-making process for evaluating the financing request. However, you can request financing by following these 5 steps:
💡 Good to know: Qonto only intervenes in the secure sharing of your Qonto data (business profile and financial data). This sharing is only possible with your consent. It is 100% secure and allows partial pre-filling of forms required by the partner, which speeds up the analysis of your request.
When will I receive the financing?
⚠️ The waiting time for approval of the application and for obtaining financing varies from partner to partner. Requests will only be sent following validation of the account and profile by Qonto.
Why submit the request through Qonto and not directly from the partner's website?
We recommend submitting the request through Qonto to:
🤖 Enjoy a smooth and seamless procedure. By submitting the request through Qonto, you reduce manual entries and save time: the integration with Qonto allows some information to be entered automatically in the request form.
🦘 Skip some stages of the procedure. As part of the collaboration, partners have agreed to remove from the request form the fields that would require data already entered. Fill out the request in a few clicks, to get back to taking care of your business soon.
⛓️ Receive financing directly to your Qonto account. The IBAN of your Qonto account will be automatically entered when filling out the financing request. You can still select another account, but if you want to receive financing on Qonto, the procedure will be even easier and faster!
💡 Good to know: Can't find the right partner for your financing needs? Take 2 minutes to tell us what you need by filling out this form. Your suggestions are welcome!
What information is shared with partners?
Our partners need to access your Qonto data, which means you authorize them to view:
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Your contacts
The details of your business linked to your Qonto account. For more information, click here. -
Your account and company details
The list and details of accounts opened with Qonto and your company information. For more information, click here.
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Your transaction history
All incoming and outgoing transactions from your Qonto account. For more information, click here.
💡Looking for something different? If none of these types of offers available through the Financing section fit your needs, Qonto offers three complementary short-term credit solutions, Overdraft, Credit Card (Deferred Debit Card), and Pay Later to help you manage cash flow and finance your business operations.