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IN PRACTICE

Offer flexibility to your budget

IN PRACTICE

Offer flexibility to your budget

An overdraft is an amount of credit available to you to cover any differences between income and expenditure, adding flexibility to your cash management. For example, it can help you deal with situations where customers are slow to pay certain invoices. 

YOUR BENEFITS

Numerous advantages

An overdraft has numerous advantages. It is accessible at any time, interest is 100% tax-deductible and the facility can be fully tailored to your needs and those of your business.

MORE INFO

Contact us

Interested in our overdrafts and their numerous advantages for you and your business? Make an appointment with your advisor, online or at a branch.

Overdrafts: the advantages

Discover the benefits of overdrafts at a glance.

Available at all times

Once an overdraft granted, the funds can be drawn immediately, with no further supporting documentation needed.

Tailor-made

You only use the amount of credit you need, thereby limiting your costs.

100% tax-deductible

Interest is calculated on the amount of credit actually used, and is fully tax-deductible as a business expense.

Making your life easier

Your overdraft is directly linked to one of your business current accounts. It allows you to have a debit balance on that account. Interest is calculated on the basis of that debit balance, and is accounted for quarterly.

Cost control

Interest is only charged on the amount of credit you actually use. So you can always work out what your overdraft will cost, allowing you to manage your budget most effectively.

Proactive advice, for your borrowings as well

Enjoy exclusive benefits with our Advice Pro offering for self-employed people, professionals and SMEs, including advice from experts from both within and outside BNP Paribas Fortis and a service that may include up to 10 business banking packs.

Discover Advice Pro

Find the loans that suit your cash-flow needs

Do you need to pay suppliers or compensate for a delayed payment from a client? Use our loan simulator to find the loan that best suits your cash-flow needs.

Carry out a simulation

Learn more

Do you want to know more about our overdrafts? Find all the necessary information in the documents below.

Interested in an overdraft?Make an appointment

Other financing solutions

  • Instalment loan

    Realise all your business plans while keeping your budget in balance with an instalment loan. You can set the amount you borrow, and avoid using your working capital.

    Find out more

  • Straight Loan

    With the Straight Loan, you have a credit facility you can draw on to cover requirements during your operating cycle or to reconcile income and expenditure.

    Find out more

  • Seasonal loan

    Ensure the stability of your income with a seasonal loan, specially designed for the agricultural sector and its highly variable seasonal financial needs.

    Find out more

Legal Information

Lender: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702.

Subject to acceptance of your application.

The information provided is for information purposes only and does not constitute an offer or promise of credit. It is provided with a view to further discussion.

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