LOANS

Loans for cash flow management

For a business, managing liquidity remains one of the keys to success. How do you manage late payments from your customers? How do you pay your own bills on time? How do you protect yourself against the risks associated with a lack of liquidity? In an increasingly digital world, our cash flow management solutions can be a real asset for your business.

Which loans for your cash flow needs?

Charlotte Ballegeer's advice for optimal cash flow management

“Your cash flow fluctuates constantly, and that’s perfectly normal – it’s part of running a business. Money comes in and goes out with customer payments and supplier invoices. However, there are solutions to manage these flows and to calmly handle a temporary cash shortfall. Overdraft facilities, instalment loans, factoring… I’m here to help you make sense of it all and take control of your cash flow management

Charlotte Ballegeer is an expert advisor to SMEs at La banque des Entrepreneurs. She offers her expertise to SMEs in the Louvain region. Her advice can make a difference.

Discover our expert's advice

Find the loan that best suits your needs and situation

Each loan* has a specific use. Discover the advantages and specificities of each of our different formulas.

Cash loan

Instalment loan

Straight loan

Factoring / Easy2Cash

Purpose
  • paying suppliers
  • paying purchases and other expenses
  • a bridging loan in case of a temporary need for liquidity 
  • financing working capital or specific investments in fixed assets
  • financing temporary cash flow needs 
  • paying suppliers
  • paying purchases and other expenses
  • a bridging loan in case of a temporary need for liquidity 
  • financing working capital,
  • protecting against non-payment risks,
  • monitoring outstanding invoices from your customers
What

A short-term loan on a current account 

A short or medium-term loan 

A short-term loan with instalments 

A tailor-made factoring or Easy2Cash solution for businesses with a turnover of less than €2.5 million 

Amount

Minimum €2,500 

A short or medium-term loan 

  • minimum €100,000
  • with a minimum instalment of €25,000

Financing based on outstanding invoices

Duration

Determined or undetermined 

  • Minimum 6 months
  • 42, 54 or 120 months maximum, depending on the amount
  • minimum 1 month,
  • maximum 1 year, or for an undetermined period

Until the invoices are paid

Withdrawal

Flexible, within the limits of the authorised ceiling without formalities 

By a single non-renewable instalment 

Flexible by using instalments 

Flexible, within the limits of the authorised ceiling

Repayment

Flexible using incoming amounts on your current account 

Periodic, or capital amortisation on a fixed date, monthly, quarterly, semi-annually, annually** 

On the due date of the instalment 

Repayment by debtor payments 

Interest rate

Based on a variable reference rate 

Fixed interest rate 

Based on a variable reference rate 

  • for financing, based on a variable reference rate,
  • for the service, a factoring commission 
Included
  • free use, as debit balances are fed daily by incoming amounts
  • the possibility of an amortisation plan
  • the possibility of a seasonal plan

Death insurance option

Subject to conditions, the withdrawal of instalments, in line with Easy Banking Business

Depending on the solution, 

  • credit insurance
  • invoice financing
  • debtor administration and management 
Advantages
  • 100% tax-deductible interest and fees
  • free availability
  • flexibility 
  • from €2,500
  • simple
  • a clear amortisation plan
  • free choice of instalment amount and duration, within the authorised limits,
  • renewal, as long as the loan is running,
  • free online instalment withdrawal
  • time and money savings
  • faster incoming payments
  • protection against bad payers
  • more working capital
  • simplified debtor management 
Learn more
Learn more
Learn more
Learn more

* Subject to acceptance of your application

** Repayment starts one period after the effective withdrawal date.

Find the loan that best suits your cash flow needs

Paying suppliers? Compensating for a customer payment delay? Make a simulation to find the loan that best suits your cash flow needs.

Do a simulation

Get a microloan with microStart! 

Are you an entrepreneur (starter) and can't get a traditional loan? 
Microcredit is made for you! Finance your startup costs, invest in equipment, build your inventory, and more.

Discover microStart

Need a tailored solution?

Simplify your life

  • Automatically collecting your invoices

    Direct debit collection offers you a double advantage: you know the exact moment the money arrives in your account, and since we handle the invoice collection for you, you have less administrative paperwork to deal with.

    Choose direct debit

  • Receive your payments faster

    Do you want to receive customer payments faster on your account? Filtering accelerates, free of charge, automatically and discreetly, transaction flows between different banks. And this goes unnoticed by your customer.

    Discover filtering

  • Never have unpaid invoices again

    Protect your business from potential bad payers. With factoring, or invoice financing, you entrust the monitoring of your invoices to our experts who take care of the rest. You can therefore focus on your business.

    Discover factoring

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