{"type":"document","data":{"complementaryZone":{"flexComponents":[{"cards":[{"cardSize":"medium","cardType":"product","componentType":"productCard","image":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"jpg","original":"https://assets.ing.com/m/32d6e607b27eb563/original/Small-business-owner-in-Brussels-smiles-at-front-door-of-retail-store.jpg","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},"intro":"View our business overdraft T&Cs.","link":{"url":"/en/business/loans-and-finance/business-overdraft"},"title":"Terms and conditions"},{"cardSize":"medium","cardType":"product","componentType":"productCard","image":{"extension":"jpg","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","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},"intro":"Explore different ways to get funded.","link":{"url":"/en/business/loans-and-finance"},"title":"All business finance options"}],"componentType":"cards"}]},"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Unexpected costs? Cover them with a flexible business overdraft so you don't have to dip into your working capital. Use, repay, and re-use whenever you need. Apply online.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Accounts receivable and inventory finance"},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/m/46ba264ff08b5969/original/Basket-with-lots-of-shopping_Spot.svg","transformBaseUrl":"https://assets.ing.com/transform/333597f3-22fc-4d02-9d8a-a4bedfff80e7/Basket-with-lots-of-shopping_Spot"},"componentType":"paragraph","richBody":{"value":"<p>Quiet periods, unforeseen costs, late payments, or unexpected inventory to buy — it&apos;s all part of running a business. Flexible business overdraft helps cover unexpected costs. Overdraw your business account and automatically repay when you&apos;re able.</p><p>We&apos;ve made it easy to apply online, so you can quickly get back to business.</p>"}},{"componentType":"sectionTitle","title":"Flexible business overdraft or a business loan?"},{"componentType":"paragraph","richBody":{"value":"<p>Established business? New kid on the block? Finding the right finance product can be a challenge for any company. Compare a flexible business overdraft with a business loan to see what works best for you.</p><ul><li>Flexible business overdraft (or business credit facility) lets you overdraw your account up to an agreed-upon limit. Perfect for unplanned expenses or to tide you over while you wait for a payment. You can pay back an overdraft or part of it when you&apos;re able, then use it again when you need.</li><li>A business loan lets you borrow a one-off amount of money, which you then repay in fixed installments — typically over a period of five years. In contrast to overdraft, you cannot reborrow what you&apos;ve repaid. A business loan is perfect for large investments, such as when you&apos;re going green or acquiring another company.</li></ul><p> </p>"}},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/m/1ca581f225f45922/original/icon-coins.png","transformBaseUrl":"https://assets.ing.com/transform/a28ebea4-fab2-45fb-a9eb-5741e582aef4/icon-coins","type":"image","width":288},"intro":"Everything to know about flexible business overdrafts.","link":{"url":"/en/business/loans-and-finance/business-overdraft"},"promoText":"View terms and conditions","title":"More about overdrafts"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/m/60ec0af4854099ca/original/Loan.png","transformBaseUrl":"https://assets.ing.com/transform/b6a8641e-6611-47c1-b951-825329b51c20/Loan","type":"image","width":160},"intro":"Get detailed information about business loans.","link":{"url":"/en/business/loans-and-finance/business-loan"},"promoText":"Check the terms and conditions","title":"More about business loans"}],"componentType":"cards"},{"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":[{"body":"Do the quick check and find out what you'd pay in under a minute.","textLink":{"text":"Do the ING quick check","url":"/en/business/loans-and-finance/calculation"},"title":"Calculate your monthly cost"},{"body":"It only takes five minutes. And you probably won't need to submit any paperwork.","title":"Apply online"},{"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":"Receive a quote"},{"body":"We'll activate your overdraft as soon as you've signed the legal documents online. It'll be available within two working days.","title":"Sign and we'll activate your overdraft"}]}},{"componentType":"sectionTitle","title":"Apply for flexible business overdraft"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/1554f733b339d7ad/original/Login-Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/fd40e630-1f1f-45a1-92f4-40fddf258917/Login-Outline","type":"image","width":32},"intro":"Apply in My ING Business.","link":{"url":"https://mijnzakelijk.ing.nl/banking/business-lending/request-lending?EW=true"},"title":"Already a customer?"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/3b1df0b0923bacd4/original/Functionalities-Filter_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/b42bcf7f-4ef3-4bb2-9cb8-1ff68f306559/Functionalities-Filter_Outline","type":"image","width":32},"intro":"You can still apply! Make an application through our quick check.","link":{"url":"/en/business/loans-and-finance/calculation"},"title":"Not an ING customer?"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Frequently asked questions about accounts receivable and inventory finance"},{"accordionList":[{"richBody":{"value":"<p>You can apply for a flexible business overdraft if you:</p><ul><li>have an ING business account, or be willing to open one — your business revenue must flow through an ING business account</li><li>have a sole proprietorship, general partnership (VOF), professional partnership, limited partnership (CV), or private limited company (BV)</li><li>are based in the Netherlands</li><li>are registered with the Dutch Chamber of Commerce</li><li>are found to be creditworthy</li><li>have a monthly turnover of at least 25% of the arranged overdraft</li><li>have a demonstrable financing need</li></ul><p>Please note: with the exception of private limited companies, none of the company&apos;s owners may have a BKR registration in their name.</p><p>Find our full terms and conditions <a data-type=\"internal\" href=\"/en/business/loans-and-finance/business-overdraft\">here</a>.</p>"},"title":"Can my business apply for overdraft?"},{"richBody":{"value":"<p>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.</p>"},"title":"What's working capital?"},{"richBody":{"value":"<p>It depends on your business, and may vary from day to day. It&apos;s important to prevent zero or negative working capital to make sure you&apos;re always able to meet any short-term financial obligations.</p><p>Learn how to calculate how much working capital you need <a data-type=\"internal\" href=\"/zakelijk/financieren/rekening-courant-krediet/werkkapitaal\">here</a> . This will help you work out if you need funding, and if so, how much.</p>"},"title":"How much working capital do I need?"},{"richBody":{"value":"<p>We base our assessment on whether your company is able to meet its current and future financial obligations. We look at:</p><ol><li>the characteristics of your business</li><li>you as an entrepreneur</li><li>the current and projected financial performance of your company</li><li>whether your funding needs align with the investment goal(s)</li><li>the collateral provided</li><li>industry and regional developments</li></ol><p>Get more information about how we <a data-type=\"internal\" href=\"/zakelijk/financieren/zakelijke-lening/beoordeling-van-een-financieringsverzoek\">assess credit applications</a>.</p><p> </p>"},"title":"How do you assess my application?"},{"richBody":{"value":"<p>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.</p>"},"title":"What can I use a business overdraft for?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"4b3aac65-f0fc-4200-bc5c-7440e1a36455","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Business overdraft","url":"/en/business/loans-and-finance/business-overdraft"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/446d2993334ba25b/original/Three-employees-are-playing-with-a-trolley-in-a-warehouse.jpg","transformBaseUrl":"https://assets.ing.com/transform/90ee6f81-b7f1-49a4-a482-18da6bf9f3e0/Three-employees-are-playing-with-a-trolley-in-a-warehouse","type":"image","width":5700},"subtitle":"Get more financial flexibility for your business.","title":"Accounts receivable and inventory finance"},"cta":{"componentType":"cta","textLink":{"text":"Apply now","url":"https://mijnzakelijk.ing.nl/banking/business-lending/request-lending?EW=true"}},"secondaryCta":{"textLink":{"text":"Calculate monthly payment","url":"/en/business/loans-and-finance/calculation"}},"usps":[{"body":"Quickly apply online","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6a0fc3f6b6c4bffd/original/Devices-Ebanking_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a6bd5627-d862-48ba-9b71-075e28fe04f5/Devices-Ebanking_Outline","type":"image","width":32}},{"body":"Use and repay whenever you want","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/4c5d6a18c77a3076/original/Money-Coins_Euro_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/ad2f4a67-26a4-4cbc-b19c-442d2babcf61/Money-Coins_Euro_Outline","type":"image","width":32}},{"body":"Bank backed by 150 years of experience","icon":{"extension":"png","original":"https://assets.ing.com/asset/1e62bdb3-f3d4-40df-b419-6a697b68e73a/original/lu-office-outline.png","transformBaseUrl":"https://assets.ing.com/transform/1e62bdb3-f3d4-40df-b419-6a697b68e73a/lu-office-outline","type":"image","width":96}}]},"publishDate":"2026-05-20T12:24:01.571+02:00"}}