Pay suppliers today, pay us later
Cover invoices, stock orders, and upfront costs without draining your working capital.
Built for businesses that need to:
Up to 120 days payment break
No repayments for up to 4 months after funding. A user fee applies during this period.
Repay at 0% interest over 24 months
After your payment break, repayments are spread over 24 months with no interest charged.
No personal risk
No personal guarantees, no personal credit checks, and no hidden fees - ever.
Trusted With Our Partners
Registered in the Netherlands and powered by trusted financial partners.
Get paid before your clients pay you
- Start the project now
- Up to 120 days before repayment starts
- Repay over 24 months interest-free
- Fast approval. no personal credit checks
- Keeps your operations running smooth
Your next project shouldn't wait for cash to catch up.
Why PayLTR is different
Built different.
Because the old way doesn't work.
Traditional lenders were designed for a different era. PayLTR was built for how small businesses actually operate — with variable income, tight margins, and no time to waste.
The old way
- Looks at last year's filed accounts
- Runs a personal credit check
- Decision in days or weeks
- You apply when you're already in crisis
- Generic loan amount
- Fixed repayment from day one
- Interest charges from the start
PayLTR
- Reads your live bank transactions
- Analyses your business cashflow only
- Pre-scan result in minutes
- We identify the gap before it hits you
- Sized to your actual cashflow need
- Up to 120 days before repayment starts
- 0% interest on all repayments
No personal guarantees. No hidden fees. No surprises.
See if you qualify — takes 2 minutesWhy Founders Choose PayLTR
01. Up to 120 days before repayment starts
Start your project today. Repayment only begins after your payment break period, giving you time to grow.
02. Repay over 24 months interest-free
After your payment break period, repayments are spread over 24 months to match your revenue flow.
03. Designed for small businesses
We approve based on business cashflow not personal credit scores or piles of paperwork.
04. Built for Growth-Focused Businesses
Seasonal. Project-based. Cashflow-sensitive. We support the businesses banks ignore.
05. Always Transparent and Fair
- Interest-free financing
- Clear, predictable instalments
- No hidden fees, no penalties
- No surprises, ever
How It Works
Get financed in 4 simple steps
Sign Up
Enter your company registration number, the amount you need, and what it's for. Takes less than 3 minutes.
Connect Your Bank
We use a secure PSD2 connection via Ponto to review your business cashflow. Read-only. No data is stored.
Instant Pre-scan
Our system automatically analyses your liquidity position and gives you an eligibility result.
Payout In 24 Hours
If approved, your financing is transferred to your business account. Confirm payout timeline with Qeld.
I needed €28,000 to pay a supplier before they'd ship my stock. The banks wanted three months of paperwork and still weren't sure. PayLTR approved me in a day. The 120-day break meant I could sell the stock and have the cash ready before I even started repaying. It's the first time financing actually worked the way my business works.
Who is PayLTR for?
Purpose-built for European small businesses in high-volume sectors
HOW WE DECIDE
We don't guess. We analyse.
Most lenders look at last year’s paperwork and make a judgment call. We connect to your live business data and calculate exactly what you need — before you even feel the pressure.
We read your actual cashflow
Through a secure bank connection, we see your real income, expenses, and payment patterns — not a credit score, not a form you filled in. Real numbers, from your real business.
We calculate your gap before you feel it
Our system analyses your last 90 days and projects your next 30, 60, and 90 days forward. We identify exactly when a cashflow gap is likely to appear — and how large it will be.
Repay at 0% interest over 24 months
You receive a financing offer sized to your actual gap — not a generic product pushed at everyone. The amount, the timing, and the payment break are all calculated around your specific business pattern.
Frequently Asked Questions
What is PayLTR?
PayLTR is a business financing platform for European SMBs. We let you cover business costs today — inventory, suppliers, VAT, equipment, project expenses — and start paying back later. You get up to 120 days before any repayment begins, then repay over 24 months at 0% interest. Financing is provided by Qeld, a licensed Dutch credit provider.
How much can I borrow?
You can apply for financing between €3,000 and €500,000. The amount you are approved for depends on your business cashflow, revenue, and the results of our pre-scan. You will see your personalised offer before you commit to anything.
Is this a loan?
PayLTR provides business financing — not a traditional bank loan. There is no collateral required, no personal guarantee, and no personal credit check. The financing is assessed purely on your business's cashflow and financial health, provided by Qeld under a licensed credit arrangement.
What is the 120-day payment break?
The payment break is a period of up to 120 days (approximately 4 months) after you receive your financing during which no repayments are due. This gives your business time to put the capital to work before the repayments begin. A user fee, set by Qeld, applies during this period.
Is the financing really interest-free?
Yes — the repayment period (months 1–24) carries 0% interest. However, during the 120-day payment break period, a user fee applies. This fee is set by Qeld, our financing partner, and will be shown clearly to you before you accept any offer. There are no other hidden fees.
What is the user fee during the payment break?
The user fee is charged by Qeld during the 120-day payment break period. The exact amount depends on the size of your financing and will be displayed clearly before you accept your offer. You will always see the full cost upfront — no surprises.
Can I repay early?
Yes. You can repay your full remaining balance at any time, with no early repayment penalty and no additional fees. If your business has a strong month and you want to close out the financing early, you are free to do so.
What happens if I miss a repayment?
If you are expecting a difficult month, contact us before your repayment date. We will do our best to find a solution. Late repayment terms are set by Qeld and will be detailed in your financing agreement. We recommend reading your agreement carefully before signing.
What do I need to apply?
To apply you need: your company registration number (KVK for Dutch businesses), your business bank account (for the PSD2 connection via Ponto), and a valid identity document for KYC verification via Didit. The whole process takes 5–10 minutes online.
Will applying affect my personal credit score?
No. PayLTR does not run personal credit checks. Our assessment is based entirely on your business's financial health — specifically your cashflow, revenue history, and business profile. Your personal credit score is not affected.
Why do you need access to my bank account?
We connect to your business bank account via Ponto, a licensed PSD2 open banking provider. This gives us a read-only view of your cashflow and transaction history — the fastest and most accurate way to assess your business without requiring mountains of paperwork. We cannot make payments or move money. Your bank credentials are never shared with PayLTR. You can revoke access at any time.
How long does it take to receive the money?
After your application is approved and your identity and bank are verified, your financing is typically transferred within 24 hours. Exact timelines depend on your bank and our financing partner Qeld.
Your data is safe. Your identity is protected.
Identity verified by Didit
All applicants are verified using Didit — a certified KYC (Know Your Customer) provider. Your ID is checked securely and never shared.
Bank connection via Ponto (PSD2)
We connect to your business bank account through Ponto, a licensed PSD2 open banking provider. We only request read-only access — we cannot make payments or move money.
Financing provided by Qeld
The financing you receive is provided by Qeld, a licensed Dutch credit provider. PayLTR acts as the onboarding and distribution layer.
GDPR compliant
All data is processed in line with European GDPR regulations. You can request deletion of your data at any time.
Ready to accelerate?
Built for Dutch and Belgian SMBs using PayLTR for cashflow financing.