Question: What are the different types of offers available through the Financing section?

Answer: The  Financing  section is accessible only via the  web app  to Qonto account  Admins  and  Owners  who are  Corporate Officer  or  Ultimate Beneficial Owner (UBO) .   With Qonto's financing partners, explore and access financing options that empower your business. Here are some examples of the most common financing types:   📈  Revenue-based Financing Quickly secure funding by pledging a percentage of your future revenue or monthly turnover in exchange. The payment size is, therefore, proportional to revenue. This financing is  non-dilutive , and payments are not fixed. Adjustable repayment schedules may be available.   💡  What is "non-dilutive" financing? As opposed to "dilutive" financing (contributions from partners, Business Angels, venture capital funds...), "non-dilutive" financing guarantees control of your company's share capital. You remain in control. Here are some examples of non-dilutive financing: credits, bank loans, grants, crowdfunding.   ⚡  Short-Term Financing Quickly increase your working capital to power your growth needs. This financing usually lasts less than a year, and it enables you to cover your company’s working capital requirements. *  Short-term financing can be helpful for short-term projects such as financing your stock, investing in marketing campaigns, covering unexpected costs, and more.   🧾  Invoice Financing Invoice financing is a type of short-term financing that allows you to increase your cash flow by selling your unpaid invoices to a third party for a fee. With this financing, banks pay a certain percentage of your invoice, and when the customer pays off that invoice, you reimburse the bank and pay a service fee.   🏦  Business Loans The most traditional form of financing: use loans to boost your cash flow to buy equipment and fund your projects. The borrowing institution lends you money, and in return you pay interest. Monthly payments are usually fixed.   Want to know more about Financing at Qonto? Read this article about  what is  Financing  and our partners . Can’t find a partner for your financing needs? Take 2 minutes to tell us more about your needs with  this form .   ⚠️  The above information is purely educational. Qonto does not recommend any particular offering. Customers must choose according to their borrowing needs. Qonto is not granting the loan, has no liability for losses suffered by the customer after taking out the loan, nor do we play a role in the underwriting or credit assessment processes of the financing partners.   👉  If you have questions about eligibility, your application status, etc, we recommend you directly contact partners. You can find customer support links and resources in partner pages on your Qonto account within the Financing section.   *What is " working capital requirement? ”  This financial aggregate is composed of 3 elements: The amount of inventory needed to keep your business going: raw materials, merchandise, finished goods. The amount of invoiced amounts to customers that you have not yet collected. The amount of money you owe to your suppliers. The Working Capital Requirement or "WCR" is calculated as follows, Inventories + Amounts invoiced to customers - Amounts due to your suppliers. There are two possible scenarios: Your WCR is negative: you have a cash surplus, which allows you to self-finance your activity or to invest. Your WCR is positive: you need cash to ensure the sustainability of your activities. Here, our partners can help you!