A word from the CEO

Every business needs a little extra help from time to time. It could be a loan for expansion, a credit card to manage day-to-day business expenses or invoicing services to free up capital before the end of the month. We want it to be easy, fast and secure to access the right type of business finance. That's why we started Qred in 2015. Now, several years later, we've expanded into multiple markets with an even sharper and broader product offering of services that give small business owners the chance to access the same financing as larger companies.  

For four years in a row (2020 - 2023), we have been named one of Sweden's fastest growing companies by the Financial Times. To date, we have issued more than SEK 10 billion in loans to the smallest companies. This is money that comes in handy - many of our customers are often without traditional bank financing, even though they are run by careful and skilled entrepreneurs.

Qred offers loans, credit cards and invoicing services to small businesses in the Nordic countries, the Netherlands, Belgium and Brazil. Our business loans are aimed at the smallest businesses where funds are most needed and the amounts are relatively small (up to SEK 2 million), and the loans are normally repaid within 24 months. By limiting loan amounts and credit periods, we keep the risk down, while helping even more small businesses.

Qred VISA, our proprietary credit card, is the first of its kind as it is designed specifically for small businesses. The card is free of charge and the credit limit is set specifically for each applicant company.

Thanks to our access to data combined with our unique scoring model, we are well placed to understand and manage credit risk in our business. Our large and diversified customer base reduces the risk of large swings in the business. Our digital and automated systems are fully scalable, providing significant economies of scale. All this has led to very strong growth combined with good profitability. We look forward to helping even more small business owners both in Sweden and abroad for many years to come.

Welcome to Qred!

Board of directors

Mattias Carlsson
Chairman of the Board

Chairman of the Board since 2023.
MSc in Engineering Physics (Uppsala University).
Former CEO of TF Bank.

Emil Sunvisson

CEO and co-founder.
MBA (SSE), M.Sc. Mechanical Engineering (KTH).
Former CEO at Cherry.

Jason Francis

Deputy CEO and co-founder
Board member since 2015.
MBA (Stockholm School of Economics). MA Econ (Duke University).
Previously Nordic Strategy Manager at Trygg-Hansa and consultant at Oliver Wyman.

Caroline Farberger

Board member since 2023
Partner and Chairperson of Wellstreet, also board member of Svensk Fastighetsförmedling and Chairperson of Aura Cloud.
M.Sc. in Electrical Engineering from Chalmers University of Technology in Gothenburg.

Sean Cory

Board member since 2021.
Managing Partner Northern Europe, former Market Leader for Nordics, Russia, Central & Eastern Europe, at Oliver Wyman.
Former Managing Director at KPMG Consulting.

David Samuelson

Board member since 2021.
Principal at Nordic Capital Advisors. Previously management consultant at McKinsey in Stockholm.
David holds an MSc from the Stockholm School of Economics and ESADE in Barcelona.

Sebastian Wohlgschaft

Board member since 2022
Director, Nordic Capital Advisors.
Previous experience includes founder of Virtus Kapital, Executive Director at UBS Investment Bank and part of the DACH team at Lehman Brothers.
Sebastian holds an M.Sc. from the London School of Economics and Political Science and a Bachelor of Arts from the University of St. Gallen.

Executive management

Emil Sunvisson

CEO and co-founder.
MBA (SSE), M.Sc. Mechanical Engineering (KTH).
Former CEO at Cherry.

Jason Francis

Deputy CEO and co-founder
Board member since 2015.
MBA (Stockholm School of Economics). MA Econ (Duke University).
Previously Nordic Strategy Manager at Trygg-Hansa and consultant at Oliver Wyman.

Thomas Jansson

Chief Growth Officer and co-founder.
M.Sc. Accounting (Åbo Akademi University).
Previously COO at Tact Group.

Kristoffer Straume

Chief Financial Officer.
M. Sc. Financial Mathematics (KTH).
Former Head of Treasury at Skandiabanken.

Jenny Arvidsson

Chief Legal Officer
Juris Doctor (Santa Clara University School of Law).
Former Associate at Bird & Bird and Attorney at Pillsbury Winthrop Shaw Pittman LLP.

Björn Bondén

Chief Credit Officer
M.Sc. Industrial Engineering and Management (Helsinki University of Technology).
Previously Pricing & Capital Planning at SBAB, Team Lead Risk at Skandiabanken and Consultant at Oliver Wyman.

Marcus Uggla

Chief Product Officer.
M.Sc. Accounting andFinancial Management (SSE).
Previously Senior Product Manager at Klarna.

Lezgin Bakircioglu

Chief Technology Officer
M.Sc. in Computer Network and Security from the Royal Institute of Technology
Previously Innovation & Security Manager and Global Head of IT Operations at Daniel Wellington.

Amanda Gormaz

Chief Human Resource Officer
BSc Human Resource Management (Stockholm University)
Recruitment consultant and CSR coordinator at Academic Work, Operations Manager at Kry

Dhanush Raja Lakshmanmurthy

Chief Marketing Officer
MSc in Business Informatics and Business Administration (James Cook University)
Product and brand marketing manager at Zettle by PayPal and at Skyscanner.