Updated October 17, 2026 · BorrowCue Editorial Team
Qonto ES vs VIP Capital Funding
Qonto ES vs VIP Capital Funding: the differences
| Compare |  Qonto ES | VIP Capital Funding ReviewVisitVisit |
|---|---|---|
| APR | 19.5% | 7% to 12%Lower |
| Loan amount | €750 to €1,000,000 | $25,000 to $15,000,000 |
| Funding time | Answer within max 48 h, money in the Qonto account within a few days | decision in as little as 4 to 24 hours for qualifying businesses |
| Lender type | Broker | Direct lender |
| Eligibility | 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 | minimum $25K average monthly revenue for qualifying businesses |
| Loan types | Business, Credit lineCovers more | Business |
| Term | 1 to 12 months | Not confirmed |
| Credit check | Hard | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Credit needed | Good | Not confirmed |
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Key differences
- VIP Capital Funding scores higher overall: 9.2 vs 8.6.
- APR is lower at VIP Capital Funding: 7% to 12% vs 19.5%.
- Support channels: only Qonto ES offers Chat, Phone, Help centre.
- Features: only Qonto ES offers Credit line.
- Features: only VIP Capital Funding offers Same day funding.
- Loan types: only Qonto ES offers Credit line.
Our verdict on each
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.
VIP Capital Funding
VIP Capital Funding invites businesses to discuss financing needs and lists financial statements and a summary of business needs among requested documents.
Score breakdown
| Area | Qonto ES | VIP Capital Funding |
|---|---|---|
| Cost | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. | 9.2Higher |
| Offer | 9.0 | 9.0 |
| Trust | 8.3 | 9.3Higher |
How they place
| Ranking | Qonto ES | VIP Capital Funding |
|---|---|---|
| Business loans | 5 of 438 | 13 of 438 |
Sources behind this comparison
Qonto ES
- qonto.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
VIP Capital Funding
- vipcapitalfunding.com: 9 facts, checked October 17, 2026
Every fact side by side
| Fact | Qonto ES | VIP Capital Funding |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding |
| Legal entity | QONTO | Not confirmed |
| Headquarters | France | United States |
| Support channels | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Qonto ES | VIP Capital Funding | Median |
|---|---|---|---|
| APR | 19.5%highest quarter | 7% to 12%below the median | 8.95% |
| Term | 1 to 12 monthslowest quarter | Not confirmed | 60 |
Median across 1164 listed lenders.
Pros and cons
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.
VIP Capital Funding
Pros
- VIP Capital Funding invites businesses to discuss financing needs and lists financial statements and a summary of business needs among requested documents.
- Its role as creditor or intermediary is not established, and no approval or timing is promised.
Who each suits
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.
VIP Capital Funding
Who it suits
- US businesses reviewing the enquiry materials VIP Capital Funding requests
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 | Qonto ES | VIP Capital Funding |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
8 of 30 countries where either is available.
Questions about each
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.
VIP Capital Funding
What types of business financing are offered?+
The company provides working capital for payroll, inventory and revenue gaps, financing for equipment, machinery and vehicles, and longer term loans for established businesses. It also mentions support for business acquisition as one area it covers. Financing is designed around growth needs and operational stability rather than a single product.
Does the financing require collateral?+
The company says its funding is offered without collateral, which can suit businesses that prefer not to pledge assets. Its approach focuses on cash flow stability and long term growth capacity. The company describes its model as flexible and designed around the goals of each business.
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