Updated October 17, 2026 · BorrowCue Editorial Team
CapitalBox NL vs Qonto ES
What sets them apart
| Compare |  CapitalBox NL |  Qonto ES |
|---|---|---|
| Loan amount | €5,000 to €500,000 | €750 to €1,000,000Higher |
| Funding time | usually next business day after acceptance | Answer within max 48 h, money in the Qonto account within a few days |
| Eligibility | Business active for at least 24 months | 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 | Business, Credit lineCovers more |
| APR | Not confirmed | 19.5% |
| Term | Not confirmed | 1 to 12 months |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Fixed |
| Lender type | Not confirmed | Broker |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Good |
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Key differences
- CapitalBox NL scores higher overall: 9.4 vs 8.6.
- Loan amount is higher at Qonto ES: €750 to €1,000,000 vs €5,000 to €500,000.
- Support channels: only Qonto ES offers Chat, Email, Phone.
- Loan types: only Qonto ES offers Credit line.
Our verdict on each
CapitalBox NL
CapitalBox NL supplies business loans and flexible credit facilities for small and medium enterprises in the Netherlands. It supports established owners funding expansion projects, managing seasonal costs and consolidating existing business obligations through dedicated SME financing with clear local focus.
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 | CapitalBox NL | Qonto ES |
|---|---|---|
| Cost | 9.2Higher | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. |
| Offer | 9.7Higher | 9.0 |
| Trust | Not confirmed | 8.3 |
Availability and regulation
| Country | CapitalBox NL | Qonto ES |
|---|---|---|
| France | Not confirmed | ACPR 16958 FR_ACPR PSD_PI FR_ACPR!68677 |
| Spain | Not confirmed | Banco de Espana 16958 |
If neither fits
Deudafix has loan amount at €5,000 to €5,000,000, against €5,000 to €500,000 for CapitalBox NL and €750 to €1,000,000 for Qonto ES.
Deudafix reviewWhat we checked
CapitalBox NL
- capitalbox.nl: 7 facts, checked October 17, 2026
Qonto ES
- qonto.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
How they place
| Ranking | CapitalBox NL | Qonto ES |
|---|---|---|
| Business loans | 12 of 438 | 5 of 438 |
Every fact side by side
| Fact | CapitalBox NL | Qonto ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Credit line |
| Legal entity | Not confirmed | QONTO |
| Headquarters | Netherlands | France |
| Support channels | Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | CapitalBox NL | Qonto ES | Median |
|---|---|---|---|
| APR | Not confirmed | 19.5%highest quarter | 8.95% |
| Loan amount | €5,000 to €500,000highest quarter | €750 to €1,000,000highest quarter | €40,000 |
| Term | Not confirmed | 1 to 12 monthslowest quarter | 60 |
Median across 1190 listed lenders.
Pros and cons
CapitalBox NL
Pros
- Focuses solely on small and medium enterprises seeking business funding in the Netherlands
- Provides lump sum business loans and flexible credit lines for varied purposes
- Holds recognised SME financier status and follows the sector conduct code
Cons
- Limits service to businesses established in the Netherlands with local ownership
- Restricts access to companies with at least 24 months of business activity
- Offers business funding only, with no products for private individuals
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
CapitalBox NL
Who it suits
- Owners of established Dutch SMEs planning growth
- Businesses managing seasonal costs or cash flow variation
- Entrepreneurs consolidating existing business obligations
Who should look elsewhere
- New businesses without an established trading history
- Private individuals seeking personal borrowing
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 | CapitalBox NL | 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
CapitalBox NL
What products does CapitalBox NL provide?+
CapitalBox NL provides business loans for larger investments such as expansion, premises renovation or equipment purchase. It also offers a flexible business credit line for seasonal costs, stock requirements and general operational needs. A refinancing loan allows bundling of existing business obligations into one structure.
Which businesses suit CapitalBox NL?+
CapitalBox NL suits owners of small and medium enterprises registered and established in the Netherlands. Owners live in the Netherlands and the company uses Dutch business banking. Eligibility centres on established trading activity and registration with the national chamber of commerce.
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.
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