Business overdraft is a flexible loan linked to your business account. It lets you temporarily overdraw on your business account up to an agreed-upon limit. Borrow or repay — you're in charge.
"}},{"componentType":"highlight","richBody":{"value":"Rainy day? Need some extra cash to keep your business running properly? With business overdraft, you'll have extra money available, without the need to apply for a loan whenever you're short.
To apply for a business overdraft from us, you must meet a few criteria.
"}},{"accordionList":[{"richBody":{"value":"You can apply for a business overdraft if you:
Please note: with the exception of private limited companies, none of the company's owners may have a BKR registration in their name.
Business under three years old? Then you must also:
Business founded more than 18 months ago?
Then we'll also need the annual figures for the first 12 months.
"},"title":"Find out if you're eligible for a business overdraft"},{"richBody":{"value":"You may need to submit some paperwork during your application. Which documents we'll need depends.
Applying for an arranged overdraft up to €250,000?
We typically need your income tax return, as well as annual financial statements of the last two years.
Business under two years old?
We'll need a business plan. We may also need any interim financial statements.
Already a customer?
Then you might be able to apply without submitting annual financial statements. In exchange, you'll give us permission to use your transaction data to calculate how much you could borrow.
"},"title":"What paperwork do I need?"},{"richBody":{"value":"If you're getting a business overdraft, it's good to know what to expect. Take 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 also apply to your business. These will be outlined in your quote after we've approved your application.
"},"title":"Terms and conditions"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Important to know about business overdrafts"},{"accordionList":[{"richBody":{"value":"While having money available through your overdraft comes with opportunities, there are risks as well.
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.
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.
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.
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":"Risks"},{"richBody":{"value":"If you have a business overdraft ('Rekening Courant Krediet'), you'll pay interest. The interest is made up of three components:
Even if you don’t use your overdraft, you'll still pay a commitment fee. This is charged because we reserve credit for your business, even if you don't use it.
Additional charges and fees:
Find the current interest rates here.
Learn more about our fees, rates, and charges here.
"},"title":"Overdraft cost breakdown"},{"richBody":{"value":"Let’s say you have a business overdraft with a limit of €200,000.
These are your rates:
The total debit interest rate is:
1.886% + 0.25% + 3.5% = 5.636%.
Additional annual charges:
Let’s look at your business account balance in January:
Your total interest charges:
Your total commitment fee:
Total commitment fee: €61.64 + €65.75 + €0 = €127.40.
"},"title":"Example cost breakdown"},{"richBody":{"value":"In general, overdrafts don't have fixed terms, unless otherwise agreed. You can cancel your overdraft anytime. When you do, you must repay the outstanding amount, including any accrued interest and fees.
"},"title":"Term"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Frequently asked questions about overdraft"},{"accordionList":[{"richBody":{"value":"An arranged overdraft is a way of borrowing money through your business account.
It can help with:
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 finance amount all at once or in installments. You'll then repay the loan plus interest during a agreed-upon term.
Business overdraft (credit)
With business overdraft, you'll have extra money available when you might need it. 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's the difference between a business loan and a business overdraft?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"e7b087f2-9def-4e6d-a1f6-ed7398fe2c78","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"🛈 We offer the English information on ING.nl as an additional service. This information was translated from Dutch, and in case of any inconsistency, the original Dutch text shall prevail.
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Business loans and asset finance","url":"/en/business/loans-and-finance"}},"componentType":"categoryHeader","coreHeader":{"subtitle":"Unexpected expenses? A business overdraft can help tide you over.","title":"Business overdraft"}},"publishDate":"2026-05-20T12:21:18.876+02:00"}}