See if you meet the requirements before you apply for a business loan.
To apply for a business loan from us, you must:
Please note: with the exception of private limited companies, none of the company's owners may have a BKR registration in their name.
If you want to use a business loan to make an investment, we'll need collatoral. Such as:
Please note: if you own multiple private limited companies (BVs), these may also be held liable.
"},"title":"Business loan requirements"},{"richBody":{"value":"In some cases you can get a business loan as a starting business. Learn more about business loans for new businesses (in Dutch).
"},"title":"I'm a startup - can I apply for a business loan?"},{"richBody":{"value":"Yes! Discover our three financing options for freelancers
.
"},"title":"I'm self-employed - can I apply for a business loan?"},{"richBody":{"value":"It depends on how much you'd like to borrow, what you're funding, and your business.
Borrowing up to €250,000?
We typically need your income tax return and your annual financial statements of the past two years.
Borrowing more than €250,000?
Depending on the industry, we may ask for additional documents.
Investing in commercial property?
We'll ask for a property valuation and any sublet agreements.
Business less than two years old?
We'll need a business plan. We might also need interim financial statements.
Existing customers can apply without financial statements
If you're an existing ING business customer, you may be apply to apply without having to submit financial statements. You will, however, need to give us permission to use your transaction data to determine how much you could borrow.
"},"title":"What paperwork do I need?"},{"richBody":{"value":"If you're taking out a busines loan, it's good to know what to expect. Have a look at our general terms and conditions for credit provision. These T&Cs apply to all ING customers. Other, more specific T&Cs might apply to your business. These will be outlined in your quote after we've approved your application.
"},"title":"Ing business loan terms and conditions"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"What to keep in mind about business loans"},{"accordionList":[{"richBody":{"value":"These are the most common risks associated with business loans:
1. You might have trouble making your monthly payments in the future. You never know when you might experience financial setbacks, whether they're caused by a weakened economy or disappointing results. If you can't keep up your payments, we may refer you to our Regional Restructuring Unit.
2. Your interest rate may change. Variable interest rates fluctuate based on market conditions. If market interest rates rise, so will your interest rate, and you'll end up paying more. If you went with a fixed interest rate and choose to extend your agreement, we'll determine a new interest rate. This may result in higher or lower monthly payments.
3. You might incur additional costs. Conditions that lead to additional costs may apply. Appraisal fees, for instance. These costs and fees are always outlined in your quote.
4. Your business may change, affecting your credit needs. If you'd like to apply for credit in the future, we'll always perform an affordability assessment. We’ll also check if your current financial obligations align with your company’s new situation.
Please note there are more risks than what's listed above.
"},"title":"Business loans come with risks"},{"richBody":{"value":"If you take out a business loan, you'll repay it in monthly installments. This monthly payment consists of:
When you enter the agreement, you'll pay a one-time closing fee.
During the agreement, you may also be charged:
Find current interest rates here.
"},"title":"Monthly payment breakdown"},{"richBody":{"value":"An example of what a business loan could look like.
€100,000 business loan
You take out a €100,000 business loan on 1 April. The loan term is 5 years. The annual interest rate is 5.2%.
You withdrawn the loan amount in full on 1 May.
Your monthly payment
Interest: 31 days / 360 days * 5.2% * €100,000 = €447.78 per month
Repayment: €100,000 / 60 months = €1,666.67 per month
Additional costs:
Closing fee: 0.5% * €100,000 = €500
Together, we'll dedice on a loan term. The maximum term depends on what you'll use the loan for. Want to repay your loan early? That's possible too.
Maximum loan terms for various types of investments:
A business loan can fund the purchase or investment you need to succeed.
You can use a business loan to pay for things like:
Simply put: a business loan is best for large investments, while overdraft is better for day-to-day expenses.
Business loan
Whether you're looking to expand or invest in equipment, property, or vehicles, a business loan can help kickstart the next stage. You'll either receive the money all at once or in installments. You'll then repay the loan plus interest during a agreed-upon term.
Business overdraft (revolving credit facility)
With business overdraft, you'll have extra funds available when you might need them. It's a cost-effective way to help manage cash flow. Business overdraft lets you overdraw your business account, giving you extra financial flexibility. Perfect for when you're waiting for a payment or need to restock inventory. You'll only pay interest on the money you borrow.
"},"title":"What is the difference between a business overdraft and a business loan?"},{"richBody":{"value":"Yes — if you're an existing ING customer. We'll need your permission to use your transaction data to determine how much you could borrow.
Please note that in some cases we might need financial statements anyway. This depends on the nature of your business, your solvency, and how much you want to borrow. If we'll need statements from you, one of our specialists will be in touch.
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