Betaal leveranciers vandaag, betaal ons later
Dek facturen, voorraadorders en voorafgaande kosten zonder je werkkapitaal uit te putten.
Voordelen voor bedrijven:
Tot 120 dagen betaaluitstel
Geen aflossing tot 4 maanden na financiering. Gedurende deze periode is een gebruikersvergoeding van toepassing.
Terugbetalen tegen 0% rente over 24 maanden
Na je betaaluitstel worden aflossingen over 24 maanden gespreid zonder rente.
Geen persoonlijk risico
Geen persoonlijke borgen, geen persoonlijke kredietchecks en nooit verborgen kosten.
Trusted With Our Partners
Registered in the Netherlands and powered by trusted financial partners.
Krijg betaald voordat je klanten jou betalen
- 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
PayLTR
Looks at last year's filed accounts
Reads your live bank transactions
Runs a personal credit check
Analyses your business cashflow only
Decision in days or weeks
Pre-scan result in minutes
You apply when you're already in crisis
We identify the gap before it hits you
Generic loan amount
Sized to your actual cashflow need
Fixed repayment from day one
Up to 120 days before repayment starts
Interest charges from the start
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
HOE WE BESLISSEN
We raden niet. We analyseren.
De meeste kredietverstrekkers kijken naar papierwerk van vorig jaar en maken een inschatting. Wij koppelen aan je live bedrijfsdata en berekenen precies wat je nodig hebt — voordat je de druk al voelt.
We lezen je echte cashflow
Via een beveiligde bankkoppeling zien we je echte inkomsten, uitgaven en betalingspatronen — geen kredietscore, geen ingevuld formulier. Echte cijfers van je echte bedrijf.
We berekenen je liquiditeitsgat voordat je het voelt
Ons systeem analyseert je laatste 90 dagen en projecteert je volgende 30, 60 en 90 dagen. We zien precies wanneer een cashflowgat waarschijnlijk ontstaat — en hoe groot het wordt.
Terugbetalen tegen 0% rente over 24 maanden
Je krijgt een financieringsvoorstel afgestemd op je werkelijke tekort — geen generiek product voor iedereen. Bedrag, timing en betaaluitstel worden allemaal berekend rond jouw specifieke bedrijfspatroon.
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 payLTR. 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.
Je gegevens zijn veilig. Je identiteit is beschermd.
Identity verified by payLTR
All applicants are verified using payLTR — a certified KYC (Know Your Customer) provider. Your ID is checked securely and never shared.
Bankkoppeling via Ponto (PSD2)
We koppelen aan je zakelijke bankrekening via Ponto, een gelicentieerde PSD2 open-bankingprovider. We vragen alleen read-only toegang — we kunnen geen betalingen uitvoeren of geld verplaatsen.
Financiering verstrekt door Qeld
De financiering die je ontvangt wordt verstrekt door Qeld, een gelicentieerde Nederlandse kredietverstrekker. PayLTR is de onboarding- en distributielaag.
AVG-conform
Alle gegevens worden verwerkt volgens de Europese AVG. Je kunt op elk moment verwijdering van je gegevens aanvragen.
Klaar om te versnellen?
Built for Dutch and Belgian SMBs using PayLTR for cashflow financing.