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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.
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
- 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
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
Minimum €2,500
A short or medium-term loan
- minimum €100,000
- with a minimum instalment of €25,000
Financing based on outstanding invoices
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
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
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
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
- 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
- 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
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.
Microloan via microStart
Are you a starter or an established entrepreneur and do you need financing and/or support?
Simplify your life
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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.
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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.
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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.