{"type":"document","data":{"id":"c893aaa3-6d14-43f4-b0e6-386e4c9e6a90","localeString":"en-GB","publishDate":"2026-03-11T10:09:14.605+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Looking to finance your business? At ING, you can get funded in 5 steps. Once approved, you'll find the money in your account within 48 hours. See how it works."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"/en/business/loans-and-finance/calculation","text":"Calculate monthly payment"}},"coreHeader":{"body":"Knowing what to invest in is one thing. Getting funded is another. So we've made it easy to apply — only 5 steps! See how it works and what you'll need for your application.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/1e71be78-3197-4691-b527-b2076b7dcb3a/1042603352","type":"image","width":2352,"altTextNL":"\"\"","original":"https://assets.ing.com/m/7e320b85860eae5b/original/1042603352.jpg","extension":"jpg"},"title":"Finance your business in 5 steps"},"backLink":{"textLink":{"url":"/en/business/loans-and-finance/business-loan","text":"Business loans"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Step 1: Calculate cost"},{"componentType":"paragraph","richBody":{"value":"<p><a data-type=\"internal\" href=\"/en/business/loans-and-finance/calculation\">Use our calculator</a> and in one minute, you&apos;ll know what your monthly payment would be. And whether your application is likely to be approved. You don&apos;t have to be a customer to use the calculator.</p><p>If you&apos;d like to move forward and get a quote, you can apply immediately.</p>"},"textLinks":[{"url":"/en/business/loans-and-finance/calculation","text":"Calculate monthly payment"}],"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/075dc37b-bc06-4a45-bcca-fe24450e732b/A-young-boy-looks-bored-and-sits-next-to-his-mother-at-a-table-behind-a-computer","altTextNL":"een jongen met zijn moeder","original":"https://assets.ing.com/m/6b5871a60f087b02/original/A-young-boy-looks-bored-and-sits-next-to-his-mother-at-a-table-behind-a-computer.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Step 2: Apply"},{"componentType":"paragraph","richBody":{"value":"<p>If you&apos;re an existing customer, you can apply in my ING Business. Log in, follow the steps, upload the necessary paperwork, and submit your application. Easy — and done in less than 10 minutes.</p><p><strong>Paperwork we&apos;ll need</strong></p><ul><li>(Consolidated) financial statements of the last two years</li><li>Income tax returns of the last two years</li></ul><p><strong>New business?</strong></p><p>If you don&apos;t have financial statements of the last two years, we&apos;ll need your business plan including financial projections.</p><p><strong>Not a customer?</strong></p><p>You can still apply! Enter your contact details during the cost calculation and we&apos;ll be in touch. Or <a data-type=\"internal\" href=\"/zakelijk/klantenservice/ondernemersteam\">contact one of our specialists</a> directly.</p>"},"textLinks":[{"url":"https://mijnzakelijk.ing.nl/banking/business-lending/request-lending?EW=true","text":"Apply now"}]},{"componentType":"sectionTitle","title":"Step 3: Assessment"},{"componentType":"paragraph","richBody":{"value":"<p>Once you&apos;ve applied, it&apos;s time for us to get to work. We&apos;ll assess your application and see if your business would be able to meet the financial obligations, including the monthly payments.</p><p>Whether you&apos;ll be approved also depends on what the funding is for. That&apos;s why we&apos;ll always get in touch to explain why we&apos;ve decided to approve or decline an application.</p>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/b967e59c-abd4-467e-8cb2-0b4bf0d49cc4/Woman-in-headphones-making-a-triumphant-gesture-with-her-arms-out-to-the-side-rechts-kijkend","original":"https://assets.ing.com/m/3f81f10ddaaf8a91/original/Woman-in-headphones-making-a-triumphant-gesture-with-her-arms-out-to-the-side-rechts-kijkend.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Step 4: Get quote"},{"componentType":"paragraph","richBody":{"value":"<p>After we approve your application, you&apos;ll receive a digital quote from us. Look it over carefully before signing the legal documents. Questions? Don&apos;t hesitate to get in touch!</p><p>Unfortunately, we aren&apos;t able to approve all finance applications. If your application is declined, we&apos;ll explain why. We&apos;ll also let you know about <a data-type=\"internal\" href=\"/zakelijk/financieren/overige-mogelijkheden\">other finance options.</a></p>"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/b543e75a-ecec-495e-a7c9-fb468771735b/Green-light-on-a-bicycle-traffic-light","altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/7545346b309c0d77/original/Green-light-on-a-bicycle-traffic-light.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Step 5: Money in your account"},{"componentType":"paragraph","richBody":{"value":"<p>Once all the paperwork is settled and the conditions outlined in the quote are met, we&apos;ll arrange the funding. You&apos;ll find the money in your account within 48 hours.</p>"}},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Did we explain everything properly?","intro":"Let us know if anything's unclear.","link":{"url":"https://feedback.ing.com/feedback?name=c971c074-b912-447f-b4e4-eb9a0e669844"}}]}]}}}