Qred Brasil
AI-powered financing and business loans for SMEs.
| Date | Investors | Amount | Round |
|---|---|---|---|
| - | investor investor | €0.0 | round |
* | BRL25.0m | Debt | |
| Total Funding | 000k | ||
Qred is a fintech company specializing in digital financing solutions for small and medium-sized enterprises (SMEs). The company was founded in Stockholm, Sweden, in 2015 by Emil Sunvisson, who serves as the CEO. Sunvisson is a serial entrepreneur with a Master of Science in Engineering and an MBA from the Stockholm School of Economics, having previously founded companies in the gaming and telecommunications industries.
The Brazilian operation, Qred Brasil, launched in 2019 as a joint venture between Qred AB and Webrock Ventures, combining Qred's lending technology with Webrock's knowledge of the local market. It started its credit operations in 2020, with Romulo Pereira as CEO. However, as of February 2025, Qred Brasil has paused the origination of new loans while it evaluates its strategy in the country.
Qred's business model is centered on an AI-powered, proprietary financing platform that enables a simplified and fast loan application process, with credit being released in as little as 24 hours. The company provides business loans and credit cards to SMEs, targeting companies with over 18 months of operation and a minimum annual revenue of R$200,000 in Brazil. Revenue is generated through a subscription-based model with a monthly fee that varies depending on the operation, rather than traditional interest rates.
Globally, Qred operates in Sweden, Finland, Denmark, the Netherlands, Belgium, and Norway. The parent company, Qred AB, obtained a full banking license from the Swedish Financial Supervisory Authority in 2023, officially becoming a bank. This allows it to offer services throughout the European Union and take deposits, aiming to provide more competitive terms to its business clients. The company has been recognized on the Financial Times' FT1000 list of Europe's fastest-growing companies for four consecutive years.
Keywords: SME financing, business loans, fintech, digital lending, AI credit scoring, small business credit, online loans, corporate finance, financial technology, working capital, credit platform, B2B lending, Brazilian market, Swedish fintech, Webrock Ventures, Emil Sunvisson, Romulo Pereira, SME credit access, business financing solutions, credit marketplace