Quiet periods, unforeseen costs, late payments, or unexpected inventory to buy — it's all part of running a business. Flexible business overdraft helps cover unexpected costs. Overdraw your business account and automatically repay when you're able.
We've made it easy to apply online, so you can quickly get back to business.
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"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"More about overdrafts","intro":"Everything to know about flexible business overdrafts.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a28ebea4-fab2-45fb-a9eb-5741e582aef4/icon-coins","type":"image","width":288,"original":"https://assets.ing.com/m/1ca581f225f45922/original/icon-coins.png","extension":"png"},"link":{"url":"/en/business/loans-and-finance/business-overdraft"},"promoText":"View terms and conditions"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"More about business loans","intro":"Get detailed information about business loans.","image":{"transformBaseUrl":"https://assets.ing.com/transform/b6a8641e-6611-47c1-b951-825329b51c20/Loan","type":"image","width":160,"original":"https://assets.ing.com/m/60ec0af4854099ca/original/Loan.png","extension":"png"},"link":{"url":"/en/business/loans-and-finance/business-loan"},"promoText":"Check the terms and conditions"}]},{"componentType":"sectionTitle","title":"What does business overdraft cost?"},{"componentType":"feature","featureName":"orientation-tool-simple"},{"componentType":"sectionTitle","title":"A flexible business overdraft in 4 steps"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Calculate your monthly cost","body":"Do the quick check and find out what you'd pay in under a minute.","textLink":{"url":"/en/business/loans-and-finance/calculation","text":"Do the ING quick check"}},{"title":"Apply online","body":"It only takes five minutes. And you probably won't need to submit any paperwork."},{"title":"Receive a quote","body":"You'll either receive a quote from us right away, or we'll contact you within two working days. The quote is non-binding."},{"title":"Sign and we'll activate your overdraft","body":"We'll activate your overdraft as soon as you've signed the legal documents online. It'll be available within two working days."}]}},{"componentType":"sectionTitle","title":"Apply for flexible business overdraft"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Already a customer?","intro":"Apply in My ING Business.","image":{"transformBaseUrl":"https://assets.ing.com/transform/fd40e630-1f1f-45a1-92f4-40fddf258917/Login-Outline","type":"image","width":32,"original":"https://assets.ing.com/m/1554f733b339d7ad/original/Login-Outline.svg","extension":"svg"},"link":{"url":"https://mijnzakelijk.ing.nl/banking/business-lending/request-lending?EW=true"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Not an ING customer?","intro":"You can still apply! Make an application through our quick check.","image":{"transformBaseUrl":"https://assets.ing.com/transform/b42bcf7f-4ef3-4bb2-9cb8-1ff68f306559/Functionalities-Filter_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/3b1df0b0923bacd4/original/Functionalities-Filter_Outline.svg","extension":"svg"},"link":{"url":"/en/business/loans-and-finance/calculation"}}]},{"componentType":"sectionTitle","title":"Frequently asked questions about accounts receivable and inventory finance"},{"componentType":"accordion","accordionList":[{"title":"Can my business apply for overdraft?","richBody":{"value":"
You can apply for a flexible 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.
Find our full terms and conditions here.
"}},{"title":"What's working capital?","richBody":{"value":"Think of working capital as your company’s wallet. You use it to pay for everyday expenses like salaries, rent, inventory, or bills. When unexpected costs arise, it could be helpful to have money available through a flexible overdraft to protect your working capital.
"}},{"title":"How much working capital do I need?","richBody":{"value":"It depends on your business, and may vary from day to day. It's important to prevent zero or negative working capital to make sure you're always able to meet any short-term financial obligations.
Learn how to calculate how much working capital you need here . This will help you work out if you need funding, and if so, how much.
"}},{"title":"How do you assess my application?","richBody":{"value":"We base our assessment on whether your company is able to meet its current and future financial obligations. We look at:
Get more information about how we assess credit applications.
"}},{"title":"What can I use a business overdraft for?","richBody":{"value":"
Business overdrafts can be useful in helping to cover unexpected costs without taking a chunk out of your working capital. This will keep your business running as it should. You can use your overdraft to buy additional inventory or quickly pay an outstanding invoice.
"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Terms and conditions","intro":"View our business overdraft T&Cs.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a91b21d4-3b49-411a-b3f1-343301a97913/Small-business-owner-in-Brussels-smiles-at-front-door-of-retail-store","type":"image","width":5616,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/32d6e607b27eb563/original/Small-business-owner-in-Brussels-smiles-at-front-door-of-retail-store.jpg","extension":"jpg"},"link":{"url":"/en/business/loans-and-finance/business-overdraft"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"All business finance options","intro":"Explore different ways to get funded.","image":{"transformBaseUrl":"https://assets.ing.com/transform/d130b0d7-8469-4d07-a67a-43b4b4e281a1/Overhead-view-of-a-person-standing-at-the-cash-register-with-a-notepad-and-a-phone-with-the-ING-mobile-app-open-on-the-screen","type":"image","width":5616,"original":"https://assets.ing.com/m/31673aaf98e90c3c/original/Overhead-view-of-a-person-standing-at-the-cash-register-with-a-notepad-and-a-phone-with-the-ING-mobile-app-open-on-the-screen.jpg","extension":"jpg"},"link":{"url":"/en/business/loans-and-finance"}}]}]}}}