About the Product
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.
About Costs & Repayment
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.
About the Application Process
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.