Frequently Asked Questions

Tupel operates across Europe, the UK, and the US. For the full list of supported countries and currencies, visit our Coverage page.

In 2020, Danny and Yaniv began an e-commerce business from their family basement, soon realizing how tough it can be for trading companies to balance incoming and outgoing cash flows. After establishing Qogita in 2021 to tackle inventory sourcing, they created Tupel specifically to help businesses streamline their cash conversion cycles.

Tupel streamlines funding with speed and simplicity: after completing onboarding, you can get approved and funded in as little as 3 seconds. Borrow exactly what you need and pay it back in 1 to 12 months. We also offer financing in many currencies, ensuring flexible, hassle-free solutions for modern businesses.

You have a 15-day grace period after any due date. If payment still isn't received, late fees will apply as specified in your agreement.

Continued non-payment may result in the debt being sold to a third party, referred to a collection agency, or pursued through legal proceedings. Refer to your contract for specific fees and timelines.

Yes. Always include your fixed reference number with every bank transfer—this allows us to match your payment and update your account in real time. You can find your reference in your dashboard under Statements.

Tupel continuously monitors your financial performance through your connected bank accounts, accounting systems, and commerce tools. Your credit limit is reviewed regularly and may adjust automatically as your circumstances change.

You can view your current limit on your dashboard at any time.

We evaluate multiple factors: your repayment history with Tupel, data from credit agencies (such as Dun & Bradstreet, Experian, Creditsafe, Schufa, or BKR), and real-time insights from any bank, accounting, or commerce integrations you connect.

Sharing more data typically increases your limit significantly.

We rely on reputable third-party data, such as Schufa (Germany), Experian/Equifax (UK), or BKR (Netherlands), to help guide our credit decisions. These are soft checks, so they won’t affect your credit score whatsoever. Our goal is to accurately assess risk without penalizing you.

Yes. Linking your bank accounts, accounting systems, or commerce tools gives us deeper insight into your financial health. Paying on time further builds trust and raises your borrowing capacity.

If you need an even higher limit, email us or schedule a call to discuss additional options.

Tupel offers fully flexible credit limits without fixed minimums or maximums. We tailor limits to each business’s unique financial standing and evolving needs. Whether you’re a startup or large enterprise, we strive to provide the right amount of capital, adjusting as your operations grow or change over time.

We calculate your loan's interest monthly in arrears and issue an invoice the following month for the accrued interest.

You can view a detailed breakdown of all interest charges in your online dashboard under the Invoices and Loans section. For a complete overview, visit the Statements tab where your total amount due is always displayed along with a full breakdown of all outstanding amounts in real-time.

For ease of payment, simply pay the total amount shown in one lump sum. Tupel will automatically allocate the paid amount to the related outstanding invoices and loans. Once your payment is received, your dashboard will be updated within minutes to show all settled amounts.

Tupel loans range from 1 to 12 months, letting you match repayment terms to your business cycle. Interest is calculated monthly in arrears and invoiced the following month.

You can also repay early without penalty.

Once your loan is approved, Tupel sends the funds directly to the recipient bank account you designate during loan creation. You’ll typically see the money in that account within seconds, providing near-instant access to capital. While we do our best to expedite all transfers, exact timing may vary slightly based on your bank’s processing speed.

Simply pay the total amount shown in your Statements tab via bank transfer, using your fixed reference number. There's no need to pay invoices and loans separately—Tupel automatically allocates your payment across all outstanding amounts using FIFO (First In, First Out).

Your dashboard updates within minutes once payment is received.

Every Monday, you'll receive a Weekly Statement email showing your total amount due at that moment, with a link to your dashboard for the real-time breakdown.

Tupel’s platform accommodates businesses of all sizes. You can open new loans one at a time via the dashboard or create multiple loans simultaneously using our API or a simple CSV upload. This streamlined approach is perfect if you regularly need separate tranches of capital for various projects.

Repayments are made via bank transfer only. You'll find Tupel's bank details and your unique fixed reference number in your dashboard under Statements.

Always include your reference with every payment so we can match it to your account instantly.

You have a 15-day grace period after any due date. If payment still isn't received, late fees will apply as specified in your agreement.

Continued non-payment may result in the debt being sold to a third party, referred to a collection agency, or pursued through legal proceedings. Refer to your contract for specific fees and timelines.

Tupel’s intuitive dashboard provides a clear overview of each loan and invoice, including your remaining principal, repayment dates, and any due fees. You’ll also receive automated email updates to ensure you never miss a payment or new invoice. This transparency helps you stay in control of your finances at all times.

Yes. You can settle part or all of your balance before the due date with no prepayment penalty. Paying down your principal reduces the interest you accrue going forward.

Use your fixed reference number with every payment—your fees will decrease from the moment Tupel receives the funds.

Every registered user on Tupel can use a referral code. Whether you’re a small business, sole trader, or larger enterprise, your unique referral code is available through the Tupel Link program, making it easy to refer new customers and earn commissions.

The Tupel Link program simplifies your referral process by automatically storing your referral code via a browser cookie for 30 days. This ensures that even if a user forgets to manually enter your code during registration, you'll still be credited for the referral.

With every conversion, you earn a commission—making it an efficient way to boost your referral success and maximize your earnings.

When a new user signs up using your referral code or link, they're automatically linked to your account. This enables you to track their registration and conversion status—from signing up to successfully repaying a loan—ensuring you receive the appropriate commission for each conversion.

Getting started with Tupel is fast and straightforward. First, add your basic company info, undergo KYC, and integrate your financial tools if you want (about four minutes). Next, gain instant access to a credit limit determined by our AI risk engine. Once approved, receive payouts in as little as three seconds. Finally, repay your balance anytime—earlier payments reduce fees.

Tupel welcomes registered businesses of all sizes, from sole traders to enterprises, across any industry. Sole trader applications are subject to review.

To ensure responsible lending, we run Know Your Customer (KYC) and Know Your Business (KYB) checks during onboarding. Your credit limit is then tailored to your unique financial profile.

No. There are no setup, subscription, or hidden fees. You only pay interest on the credit you actually use—between 0.02% and 0.10% per day, depending on your credit limit and risk profile.

If you don't use your approved limit, you pay nothing.