About Qard - How we want to finance e-commerce and e-merchants
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We believe in a different Finance for SMEs.

Thanks to its expertise Qard is leading the way to changing finance for SMEs and in particular online businesses.

Our values.

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Our clients as a priority

Despite an increasingly supportive legal framework and an exceptional market situation, French banks still do not lend enough to SMEs. The excitement for crowdlending somewhat gave hope to French SMEs but it never went into realising its full potential as it did in neighbouring economies. Qard represents the new generation of Financing Platform. We have designed our working capital loan services to satisfy the most demanding companies.

Tech, our best asset

Our processes are 100% digitised and use a risk model exploiting the latest machine learning technologies. We have automated all of our processes to not only be able to serve our customers in less than 24 hours but also to compress the costs of our loans processing. These costs, which are inevitably passed on to our clients, are low enough to allow us to handle all requests, even the smallest ones.

Being more than a financial service

The opportunity to finance e-commerce is made possible only if certain criteria are met. Qard has not only developed the skills and tools to do so but has also integrated the e-commerce ecosystem and as such acquired skills and knowledge that it can share with its clients allowing them to build their business further. These skills cover areas such as operational excellence, inventory management or digital marketing.


About Qard.

Qard is a startup created in 2018 by Finance, Data and e-commerce experts to serve online businesses with working capital loans.

Qard has been labelled as an Innovative Company by the “pole de competitivité mondiale” , a French Government initiative to distinguish cutting edge start-ups.

Previously incubated by F10 the home of Fintech in Zurich, Qard is currently incubated by the Conservatoire des Arts et Metiers a renowned French research institute where a collaboration is ongoing with the data mining department.

Qard is supported by the French Public Investment Bank (BPI) through its program for innovative start-up where Qard received a grant for disruptive technology.


Qard SAS
292 rue Saint Martin
75003 PARIS
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Contribute to Qard’s success

Qard’s success is deeply linked to its team and partners. If you want your contribution to matter join us! Whether you’re a graduate looking for a job, an institutional investors looking for partnerships or a private investor looking for a business opportunity. Get in touch!