Frequently Asked Questions

Tupel operates across Europe, the UK, and the US, providing flexible financing to ventures of all sizes. From neighborhood shops to enterprises, any registered business can apply. We also welcome sole traders, subject to our review process, ensuring everyone has the opportunity to secure the working capital they need.

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: once onboarded, you can get approved and funded in as little as 3 seconds. Borrow exactly what you need—anywhere from €1 to €5,000,000—and pay it back in 1 to 365 days. We also offer financing in many other currencies, ensuring flexible, hassle-free solutions for modern businesses.

You have five days after the due date to settle your invoice. If payment isn’t received—whether through direct debit, credit card or bank transfer—late fees may apply according to your agreement. Continued nonpayment might lead to additional measures like external collection services, so keeping current is essential.

Tupel charges invoice-related interest on the first of each month, covering the previous month's balance. To ensure on-time payment, we initiate payment collection through your chosen payment method (direct debit or credit card) up to ten business days before your invoice is due. If you prefer bank transfers, just reference the invoice number so your payment is applied correctly.

Yes. If you choose to pay by bank transfer, remember to include the invoice number to help us match your payment promptly. While Tupel attempts payment collection through your chosen payment method on or near the due date, it’s your responsibility to ensure the outstanding balance is cleared within five days to avoid late fees or collection efforts.

Tupel continuously monitors your business’s financial performance through your integrated bank accounts, accounting systems, and commerce tools. This means your credit limit isn’t set in stone—it’s regularly reviewed and can be adjusted automatically as your financial health improves or changes.

Furthermore, we also poll credit rating agencies at fixed intervals and get notified by them as soon as they believe your limit should change (up or down).

You can view your current credit limit on your dashboard so you’re always aware of your borrowing capacity at any given time.

We evaluate multiple factors to set your limit: repayment behavior on Tupel, data from agencies like Dun & Bradstreet, Experian or Creditsafe, and real-time insights from bank, accounting or commerce integrations. Sharing more data normally increases your limit dramatically. Email us or schedule a call if you'd like to explore ways to increase your limit.

We rely on reputable third-party data, such as Experian or Creditsafe, 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. We value transparency and respect for your financial standing throughout the process.

Yes! Once you’re set up with Tupel, linking your bank accounts, accounting systems or commerce tools can give 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, contact our team 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 after each month and issue an invoice on the first day of the following month. To ensure timely collection, Tupel may initiate payment collection through your chosen payment method up to ten business days before the due date to account for payment timelines (e.g., Sepa Direct Debit can take up to 10 business days to settle). You’ll see a clear breakdown of all interest charges in your online dashboard.

Tupel’s loans can range from just a day up to an entire year, letting you match repayment terms to your business flow. Interest is invoiced monthly in arrears, on the 1st day. You can repay the principal partially or in full at any point without penalty, immediately lowering your interest costs.

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 your 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.

We collect repayments through your chosen payment method (direct debit or credit card) and may initiate collection up to ten business days in advance of your due date. If you prefer a bank transfer, simply include your loan ID as the payment reference. Remember, you're responsible for ensuring payment arrives within five days of the due date to avoid additional costs.

Yes! When you take a loan on Tupel you will be able to decide how you'd like to repay, whether in one lump sum on the due date, or in a few equal installments. Moreover, you have the flexibility to amend the number of installments at any time during the loan's lifespan.

For example, if you took a loan of €10,000 with the due date in 90 days you can repay:

• the total amount (€10,000) on the due date
• create up to 3 equal installments of €3,333.33 payable in 30 day intervals
• the whole amount (or any part of the amount) at any time you wish

Tupel offers full flexibility to control the amount you need and the duration you need the amount for. Note also that if you repay early, or repay in installments, the total fee amount is lower than if you repay the full principal on the due date given we charge interest by the day.

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.

Tupel accepts repayments via direct debit (SEPA for EUR, BACS for GBP, and ACH for USD) as well as credit cards for all other currencies.

You can also repay via bank transfer—just make sure to include the correct reference: the invoice number for invoice repayments, or your loan ID when repaying principal. This helps us quickly identify and process your payment.

If a principal or invoice remains unpaid five days past the due date, late fees will apply according to your automatically generated contract. Continued nonpayment may lead to selling the debt to a third party, court proceedings, or debt collectors. 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.

You’re free to settle some or all of your balance before the due date, with no prepayment penalties. By reducing your outstanding principal, you naturally cut down on the total interest accrued. Simply use your chosen payment method (direct debit, credit card, or bank transfer) to pay, and your fees decrease the moment Tupel receives the funds.

Any third-party fees charged by payment providers, including credit card processing fees and foreign exchange fees, will be passed through to you and included in your invoice. These fees vary depending on the payment method and will be clearly displayed on your invoice. For credit cards, the fees you can expect are 1-3% of the total amount due.

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.

Plus, with every conversion, you earn a generous commission—making it a highly efficient and profitable 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 both registered businesses and sole traders (subject to review), regardless of industry or turnover. To keep things secure, we run Know Your Customer (KYC) and Know Your Business (KYB) checks, ensuring responsible lending. Your credit limit is dynamically tailored to suit your unique financial profile.

Tupel doesn’t charge any setup, subscription, or hidden fees to open an account. You only pay between 0.02-0.06% per day on the credit you utilize, making it transparent and cost-effective. This fixed fee depends on your credit limit and the risk we run as your counterparty. If you don’t tap into your approved limit, there’s nothing to pay. This straightforward model ensures you stay in control of your expenses from day one.