Updated September 29, 2026 · BorrowCue Editorial Team
5in5 vs Qonto ES
5in5 vs Qonto ES: the differences
| Compare |  5in5 |  Qonto ES |
|---|---|---|
| Loan amount | €5,000 | €750 to €1,000,000Higher |
| Term | 0.5 to 24 monthsHigher | 1 to 12 months |
| Funding time | Same day up to 1 business day | Answer within max 48 h, money in the Qonto account within a few days |
| Lender type | Direct lender | Broker |
| Eligibility | Sole proprietorship or single-owner BV registered with KvK with a business account | PragmaGO loan: registered office in Spain, company registered at least 1 year, 12 months of activity, any legal form or autonomo, minimum 250 EUR monthly turnover, Qonto account required |
| Loan types | Business, Bridging | Business, Credit line |
| APR | Not confirmed | 19.5% |
| Arrangement fee | One-off fee deducted from payout | Not confirmed |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Fixed |
| Credit needed | Not confirmed | Good |
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Key differences
- 5in5 scores higher overall: 9.4 vs 8.6.
- Qonto ES is available in 29 more countries.
- Loan amount is higher at Qonto ES: €750 to €1,000,000 vs €5,000.
- Term is higher at 5in5: 0.5 to 24 months vs 1 to 12 months.
- Features: only 5in5 offers Same day funding.
- Features: only Qonto ES offers Credit line.
- Loan types: only 5in5 offers Bridging.
- Loan types: only Qonto ES offers Credit line.
Our verdict on each
5in5
5in5 suits Dutch sole traders and single owner firms seeking brief business cover paid in Same day up to 1 business day. You receive €5,000 with terms that run 0.5 to 24, backed by support through email, phone and help centre from 5in5 BV.
Qonto ES
Qonto suits Spanish businesses and sole traders that keep a Qonto account and want a fixed rate on a revolving facility. The trade-off is cost: at 19.5% with a hard credit check, it prices above the 12% median across the site, so the flexibility has to earn its place.
Score breakdown
| Area | 5in5 | Qonto ES |
|---|---|---|
| Cost | Not confirmed | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. |
| Offer | 9.4HigherOffer reflects payout in Same day up to 1 business day with terms that run 0.5 to 24 | 9.0 |
| Trust | 9.3HigherTrust reflects operation as 5in5 BV based in NL | 8.3 |
Where they rank in our lists
| Ranking | 5in5 | Qonto ES |
|---|---|---|
| Business loans | 3 of 435 | 5 of 435 |
Availability and regulation
| Country | 5in5 | Qonto ES |
|---|---|---|
| France | Not confirmed | ACPR 16958 FR_ACPR PSD_PI FR_ACPR!68677 |
| Spain | Not confirmed | Banco de Espana 16958 |
Available in 1 country for both. Additional countries for Qonto ES: 29.
Choosing between them
Pick 5in5 if term matter most.
Pick Qonto ES if loan amount matter most.
Sources behind this comparison
5in5
- 5in5.nl: 8 facts, checked September 29, 2026
Qonto ES
- qonto.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | 5in5 | Qonto ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | Not confirmed | QONTO |
| Headquarters | Not confirmed | France |
| Support channels | Not confirmed | Chat, Email, Phone, Help centre |
Where each stands against the rest
| Fact | 5in5 | Qonto ES | Median |
|---|---|---|---|
| APR | Not confirmed | 19.5%highest quarter | 8.99% |
| Loan amount | €5,000lowest quarter | €750 to €1,000,000highest quarter | €40,000 |
| Term | 0.5 to 24 monthslowest quarter | 1 to 12 monthslowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
5in5
Pros
- Payout in Same day up to 1 business day helps when timing matters for stock or invoices
- Fixed ticket of €5,000 keeps budgeting clear for short dated needs
- Terms that run 0.5 to 24 suit brief gaps rather than extended debt
Cons
- Fixed amount of €5,000 may feel tight next to Qonto with €150 to €100,000 for larger projects
- Terms that run 0.5 to 24 require swift repayment compared with longer business facilities
- Support through email, phone and help centre lacks chat, which some borrowers may prefer
Qonto ES
Pros
- The rate is fixed (fixed), so the cost of drawn credit does not reset with market moves.
- The facility is a credit line (credit line) as well as a business loan (business and credit line), so one relationship covers a repeating need and a single large draw.
- Amounts run €750 to €1,000,000, wide enough for an equipment purchase or a payroll bridge.
Cons
- The rate of 19.5% sits above the 12% median across the site and up in the 24.92% band, which makes it an expensive way to borrow.
- The credit check is hard (hard) and the bar is good credit (good), so a thin file has no route here.
- The facility runs 1 to 12, so a drawn balance has to clear inside a short window rather than be spread over years.
Who each suits
5in5
Who it suits
- Sole businesses needing €5,000 may prefer 5in5 over Qonto with €150 to €100,000 when the need is modest
- Firms valuing payout in Same day up to 1 business day may prefer 5in5 over Sofkredit with €12,000 to €300,000
- Dutch traders based near NL may prefer local handling over Finmercado with MXN 500 to MXN 200,000
Who should look elsewhere
- Borrowers needing larger tickets than €5,000 may prefer Qonto with €150 to €100,000
- Borrowers seeking peso funding may prefer Finmercado with MXN 500 to MXN 200,000
Qonto ES
Who it suits
- Businesses registered in Spain that already run a Qonto account and need working capital between invoices.
- Autonomos and companies of any legal form that clear the eligibility bar and want a revolving line rather than a single lump sum.
- Firms that value a fixed rate (fixed) on short drawn balances more than the lowest headline number.
Who should look elsewhere
- Businesses chasing the lowest rate: Plazo ES lists 24.19% against Qonto's 19.5%, and that gap is worth pricing first.
- Anyone without a Qonto account or a registered office in Spain, because eligibility needs both, so Cashspace is the other listed name to check.
- Borrowers with a thin credit file, since the check is hard (hard) and the bar is good credit (good), so Vivus ES is worth checking for a softer route.
Current offers
Qonto ES
Current offer
Bonus
Welcome bonus (Bono de Bienvenida): 300 EUR
Open a Qonto business account; offer shown as valid only until 7/10; spend with your Qonto card to earn
Source, checked September 26, 2026
First period offer
Free Qonto months with first approved financing (Qonto x PragmaGO): 2 months of Qonto free, up to 1 year if requesting over 25,000 EUR
Approved financing request through the PragmaGO partner offer
Source, checked September 26, 2026
Country by country
| Country | 5in5 | Qonto ES |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 30 countries where either is available.
Questions about each
5in5
Who can apply for a loan from this lender+
You apply as a registered sole business with a business account and request €5,000. Terms run 0.5 to 24 and payout arrives in Same day up to 1 business day. The structure suits short dated needs where rapid settlement matters more than extended repayment.
How large is the loan and how long does it last+
The ticket is fixed at €5,000, so planning is simple but flexibility is limited. Terms run 0.5 to 24, which keeps the commitment short dated. Borrowers needing larger sums may compare Qonto with €150 to €100,000 before deciding.
Qonto ES
What rate do I pay on this business line?+
The listed rate is 19.5%, which sits above the 12% median across the site and up in the 24.92% band. Because the deal runs through a broker (broker), the partner lender's own pricing is what ends up on your offer, so treat the published figure as the number to test against other quotes.
Is the rate fixed, or can it change?+
It is fixed (fixed), and the pricing model is a fixed rate one (fixed rate). That is the commonest structure here, with 80.5% of the brands on the site pricing this way, so the rate you agree holds for the life of the drawn credit rather than resetting at renewal.