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Interest-free repayments
Your Journey to Better Cashflow
Follow these 6 simple steps to start working with PayLTR
You have a business cost today
You need to pay for stock, marketing, VAT, tools, or a project expense and but paying it now would squeeze your cashflow.
PayLTR gives you a payment break
Instead of paying immediately, PayLTR lets you pay later. You choose your amount, and see a clear schedule upfront.
Quick business check (no hassle)
You enter your company details and confirm your request. We run a fast pre-scan to make sure the request fits your business profile.
You get time before payments start
If approved, you receive up to 120 days of payment break before any repayment begins. During this 120-day period, a user fee applies — charged by our financing partner.
Repay over 24 months, interest-free
After your payment break ends, you repay your financing in 24 equal monthly instalments — at 0% interest. Your monthly amount is fixed from day one, so you always know exactly what to budget for. You can also repay early at any time with no penalty.
Keep your business moving
You stay liquid, cover essential costs on time, and keep growing and without taking on a complex long-term loan. Need to apply? The whole process takes less than 10 minutes online.
Why Business Owners Choose PayLTR
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Up to 120 days payment break
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No complex paperwork
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Keep growing your business
A user fee applies during the 120-day payment break. Repayments are 0% interest. Early repayment is always permitted at no extra cost.
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 get started?
Get the payment break your business needs — no complex loans, no hidden fees.