financing working capital

Comparing credit to finance working capital

What types of credit can I use to finance my working capital?

How do I finance running my business?

Need some financial breathing space and want to keep your cash resources and funds free for other purposes? As someone running their own business, you can easily channel additional funding into your commercial activities. KBC has three different solutions that gives you the freedom to do just that.

But which type of credit is best suited to your needs? Check out the detailed comparison below:

Business Budget Facility Advance in Current Account Line of Business Credit with Straight Loans

Minimum credit amount

None None 50.,00 euros

Maximum credit amount

5,000 euros Based on your cashflow requirements Based on your cashflow requirements

Interest rate

Fixed Fixed Margin on Euribor


Payments via your business account Payments via your business account Decide yourself + possibility to change at any time

Possibility to deduct interest and charges from your taxes

(no charges)

Digital utilisation or drawdown of credit

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Optional: 'Remission of Debt' financial protection

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Related products

Cash budget credit facility

Staff holiday pay and year-end bonuses straining your cash flow? Keep your advance in current account free and spread your costs with a KBC Cash Budget Credit.

Agroflex Credit

The agroflex credit facility is ideal for financing the purchase of farming or horticultural equipment or property. It's tailored to the needs of your business.

How to draw down your credit digitally?

You can do this in a few clicks using our digital apps.

How to sign your tax pre-payment plan in KBC Touch

It's really easy to sign your tax pre-payment plan online in the KBC Touch. We explain how it's done in just a few simple steps.