Apply for additional funding

Apply for additional funding


The Belgian Minister of Finance, the National Bank of Belgium and Febelfin (the Belgian federation for the financial sector) have reached an agreement on the measures to help companies cope with the coronavirus crisis.

For more information, please go to the Febelfin website.

This agreement means that, until 31 October 2020, you can apply for a repayment holiday on your current loans and/or apply for additional funding with a government guarantee, at no extra charge.

Will a repayment holiday on my current investment credit be enough on its own?

Start by applying for a repayment holiday on your current investment credit, after which you can apply for additional funding.

> Apply for a repayment holiday on your investment credit

If you’re looking for a solution for deferring payment for other types of funding, such as leasing facilities, renting facilities, roll-over credit or advances in current account, don’t hesitate to get in touch with your usual contact or KBC Live (weekdays from 8 a.m. to 10 p.m. – Saturdays from 9 a.m. to 5 p.m.).

A KBC customer in need of additional funding?

We understand that you could use additional financial support because of the coronavirus situation. As one of our customers, therefore, you can now apply on this page for additional funding for a limited period of time.

Note: we’re receiving large numbers of applications, which we want to process as quickly and efficiently as possible. For this reason, you can only submit an application via this page.

We’ll contact you once we’ve assessed your application or if we need any additional information.

I have a dedicated contact or relationship manager at KBC, so why do I need to submit my application for funding through this page?

Due to the exceptional circumstances, we’re receiving large numbers of applications, which we want to process as soon as we possibly can. That’s why we’ve temporarily changed our procedure and require applications to be submitted on this page only.

We’ll contact you once we’ve assessed your application or if we need any additional information.

How soon will I receive a response to my application?

Due to the coronavirus crisis, we’re receiving more applications than we would under normal circumstances. This is impacting our processing times. All applications are assessed in order of receipt. We’ll contact you once we’ve assessed your application or if we need any additional information. Our experts are doing their utmost to send you a response as soon as possible. Thank you for your patience.

Is there any way to ensure my application is processed quicker?

We would advise you to download and complete the questionnaire, fill in the form below in as much detail as possible and then send everything to us. To make sure you complete the questionnaire correctly, we recommend enlisting the help of your accountant. This will help us to assess your application more quickly and reduce the probability of us needing to ask you for additional information.

Applying for additional funding

The process for applying for additional funding is outlined below:

  1. Download the questionnaire and save the file to your computer. Complete the questionnaire in as much detail as possible.
  2. Next, fill in the details of your company. Also upload the completed questionnaire as a file and tick the declarations confirming your agreement.
  3. Finally, click ‘Submit application’

Note: you may submit a maximum of one application per company number.

We’ll contact you once we’ve assessed your application or if we need any additional information.

1Your company
This number is 10 digits long
Format BExx xxxx xxxx xxxx (please omit spaces)
Find branch
2The contact for this application
3Your completed questionnaire
4Declaration of agreement – Declaration on honour
  • is a non-financial undertaking1 that is permanently established in Belgium and that it is registered with the ‘Crossroads Bank of Enterprises’ database
  • was not in arrears on its current loans, or with the tax authorities or the social security authorities on 1 February 2020, or had less than 30 days’ arrears on its current loans, or with the tax authorities or the social security authorities on 29 February 2020
  • was not subject to active forbearance measures at one or more credit institutions on 31 January 2020
  • was not deemed to be an undertaking in difficulty2 on 31 December 2019
  • or an affiliated person, will notify the bank immediately if it has submitted an application for the same cash requirement or is planning to submit an application to another financial institution.

1. As defined in Article 6 §2 of the Royal Decree or, in summary, any natural person practising a profession independently or any legal entity, apart from a) public entities, b) financial institutions, c) entities who exclusively or principally grant loans for their own account as part of their usual professional activity, or entities whose subsidiaries are b) or c).
2. As defined in Article 2.18 of Regulation (EU) No. 651/2014 and summarised as follows:

(i) A company that is an SME under the EU definition (i.e. employs fewer than 250 persons and has an annual turnover not exceeding 50 million euros and/or a balance sheet total not exceeding 43 million euros for two consecutive financial years) and has been in existence for more than three years, whose shareholders’ equity is less than half of the (subscribed) share capital at 31 December 2019. If it is not an SME, a company whose book debt to equity ratio was greater than 7.5 and whose EBITDA interest coverage ratio was below 1.0 on 31 December 2019, based on the financial statements of the previous two years.
(ii) A company that, on 31 December 2019, was subject to collective insolvency proceedings (for instance, in bankruptcy, winding-up or liquidation proceedings, had ceased trading, had filed a petition for or was subject to judicial reorganisation proceedings, or was subject to any other similar insolvency proceedings).
(iii) A company that was receiving rescue aid on 31 December 2019 and has not yet reimbursed the aid or terminated the guarantee, or is still subject to a restructuring plan.

  • The funds provided will not be used for refinancing any loans taken out with the bank or any other financial institution
  • The funds granted will be used exclusively for funding its activities in Belgium, with the exception of a maximum of 10% of any funding granted for a qualified activity abroad3 that may in no way be performed at the expense of the Belgian activity
  • The cash requirements were estimated and justified in good faith based on the most recent and accurate information the company had at its disposal
  • The total principal amount in relation to all its applications for additional funding with all banks and credit institutions plus any additional funding already available or outstanding that is covered by the Federal government guarantee scheme, does not exceed the estimated cash requirements and are less than an aggregate 50 million euros at group level
  • It is aware that the bank may request additional security and that relevant information is available at
  • It is aware that the government is providing various types of support and guarantees and these are summarised at
  • All the declarations made in this document are correct and based on the information available to it at the time
  • The requisite original supporting documents will be provided immediately upon KBC Bank’s request in connection with the above-mentioned declarations

3. The activity abroad must meet the following conditions:

a) The activities abroad must be performed by the company itself or by an entity under the exclusive or joint control of the company.
b) Continuity of the activity abroad is crucial to the Belgian activity.
c) The activities abroad can, taken independently, be viewed as a viable enterprise
d) There is no other way to fund the activities abroad sustainably and under normal market conditions

  • If funding is granted with a Federal government guarantee, a one-time fee will be payable, which is calculated as follows:
    • For the self-employed and SMEs4: 0.25% of the loan or amount of the credit line;
    • for other companies: 0.50% of the loan or amount of the credit line.
  • The company hereby authorises the bank to deduct the above-mentioned fee in advance from the loan/credit facility that has been granted or to debit it from the account linked to the loan/credit facility.
  • The federal government assumes the rights of the bank if the government guarantee is used, and will do so for a sum equal to the amount it has paid.
  • This information and declaration will form an integral part of any loan/credit agreement. The loan/credit will only be granted when the relevant agreement has been signed and the guarantees established.

4. ‘SME’ as defined in the Belgian Companies and Associations Code.

The Bank is entitled to terminate the additional funding forthwith if false or fraudulent information has been provided.

KBC aims to process your personal data in a manner that is lawful, appropriate and transparent. More information on how KBC processes and shares your personal data can be found in our data protection statement. It also explains your rights and how you can exercise them. Our data protection statement, which is updated on a regular basis, is available at KBC Privacy Statement, at your branch or from your intermediary.

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