Cash reserve

Your company is growing more quickly than your debtors pay. Are you faced with unforeseen expenses? We are here to help.

What is a Cash reserve?

A cash reserve helps you to deal with temporary gaps between your income and expenditure. It is ideal for companies that are expanding fast and count on payments by their debtors or have a temporary need for cash.


  • Small amounts: from EUR 2,500
  • Immediately available: you do not need to provide any supporting documents.
  • Low costs: you only pay interest on amounts actually drawn down and the outstanding amount decreases whenever your account is credited.


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Your Cash reserve is a credit line available on your Current Account. You just draw on your Current Account up to the preset ceiling. You pay the quarterly interest only on the sums you have actually drawn out.

If you should die while you have an outstanding overdraft, your family will then be faced with an additional financial burden. Take out Level Term Life Assurance on your loan. Your loved ones will then not have to repay it.


Jeremy has just concluded a services contract with a new customer. This customer asks for a 90-day payment term. But Jeremy's suppliers only give him 30 days in which to pay.


The Cash reserve resolves this problem. Jeremy borrows what he needs to pay his suppliers on time and repays the amount he has borrowed plus the interest when his new customer pays his bill.

Whether you're seeking a loan for private or professional purposes, BNP Paribas Fortis is by your side. As a responsible lender. Indeed, a loan must help you to move forward in life, not lead you into financial difficulties. Our financing products are intended to help you turn healthy, feasible projects into reality, in a spirit of shared responsibility between yourself and the bank.


This principle of responsible lending can be easily illustrated through our promises.


  • Firstly, we take the time to listen carefully to you in order to offer you a solution which is adapted to your project and your needs.
  • Next, we give you a clear overview of our credit formulas and advise you in a clear, transparent manner.
  • To protect you as much as possible from any risk of indebtedness, your project is examined in detail so as to determine your solvency and the most appropriate regular repayment.
  • Finally, we strive to be ever-more accessible, via the various communication channels we offer.


Our support procedure is thus in place for the duration of each of your loans.

Lender: BNP Paribas Fortis SA/NV, Montagne du Parc 3, B-1000 Brussels – RPM/RPR Brussels – VAT BE0403.199.702. Subject to acceptance of your application.

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