Boost your Pay Later credit potential by combining two of Qonto's most powerful financial tools.
The principle is simple: the more you invoice on Qonto, the more trust signals you generate, and the more your Pay Later credit limit could increase. This offer is available to eligible Qonto organizations that have already used Pay Later and have access to the invoicing feature on web.
What is the offer exactly?
This experiment is designed to reward you for centralizing your invoicing activity on Qonto. Here is how the potential credit boost is structured:
- Create your first invoice on Qonto: Unlock an immediate +10% boost to your Pay Later credit modifier.
- Keep invoicing through month one: Reach a cumulative +40% boost.
- Keep invoicing through month two: Reach a cumulative +70% boost.
- Keep invoicing through month three and onward: Reach a cumulative +100% boost.
In other words, by consistently invoicing on Qonto over 3 months, you can potentially double the AR modifier applied to your Pay Later credit limit calculation.
☝️ Good to know: In order to keep your 100% boost, you will need to keep invoicing € 1.000 after month three and onward and the invoice created in Qonto should be marked as paid and the relevant transaction should be matched with the invoice. Also, whenever it is not the case (even before you reach your 100% boost), it will go back to 10%.
Is the credit increase guaranteed?
☝️ No, and this is an important point to keep in mind.
Your Pay Later credit limit is calculated based on multiple factors, including your median monthly inflows over the past 6 months. The AR modifier from this offer is added on top of that base formula, but it does not override the other variables.
This means: If your monthly inflows remain stable or grow, the AR modifier will likely translate into a higher credit limit. If your monthly inflows decrease, your overall credit limit could still go down even if you are building up your AR modifier streak.
Think of the AR modifier as an additional opportunity to increase your credit potential, not a guaranteed credit increase.
What do I need to do to participate?
To be eligible for this offer, you need to meet the following conditions:
- Be an active Pay Later user on Qonto (you have signed the Pay Later contract and used it at least once).
- Have not yet created an invoice directly on Qonto, or have been inactive on invoicing for at least 2 months.
- Access the Qonto invoicing feature through the web app If you are eligible, you will see the offer directly when you navigate to the Client invoices section of your Qonto account. A dedicated screen will present the offer and guide you through creating your first invoice.
How do I track my progress?
Once you have created your first invoice and started your streak, a progress indicator is displayed directly on the Client invoices page.
It shows you:
- The conditions of the offer: Where you currently stand in your 3-month streak
- What credit boost you have already unlocked based on your invoicing activity to date: This allows you to follow your progress at a glance and stay on track to maximize your potential credit boost.
What are the limitations of this offer?
This offer is part of a limited experiment and comes with a few important boundaries to be aware of:
- It is a time-limited experiment, not a permanent feature of Qonto's credit system. Availability and terms may evolve.
- The credit boost applies only to the Pay Later product and does not affect other Qonto financing offers.
- Invoices must be created natively on Qonto. Invoices generated through third-party tools or integrations do not count toward the streak.
- The maximum boost is capped at +100% of the AR modifier, regardless of additional invoicing activity beyond month 3.