Investeringskrediet van KBC
Investeringskrediet van KBC

Investment Credit

KBC Investment Credit: for the purchase of business equipment, company cars and real estate

Investment Credit

KBC Investment Credit: for the purchase of business equipment, company cars and real estate

Run a simulation and see your personal rate

Always be sure of the best possible rate, regardless of whether you're online or in your KBC branch.

Easily apply digitally

You can easily apply for your investment credit in KBC Touch, KBC Mobile or KBC Business Dashboard.

Easy to sign, draw down and manage digitally

You deal with your credit's paperwork whenever and wherever you want.

Get a credit facility to invest in your business

Looking to give your business some financial breathing space? After a way, perhaps, to finance investments and growth? Or maybe wanting to optimise your expenditure through pre-payments?

Whatever the reason, an investment credit is the ideal solution for your business.

But then the challenge facing you is to get the loan approved. Once your credit facility has been approved, it’s easy to make drawdowns in Touch or using our Online for Business facility.

Not only that, you also have to ensure you get the best rate for your loan.

At KBC, we cut out all the time-consuming hassle of negotiating and signing papers. Instead, we make sure you always get the best personal rate.

Your best rate right away

I'm with KBC

As a KBC customer, you automatically get our best rate, regardless of whether you're online or in your KBC branch. The proposed rate is always based on factors like your personal customer relationship with us, the sector you're active in, your company, the length of time you borrow for and the amount you borrow.

I'm not with KBC yet

If you're not a KBC customer yet, we'll still help you within 24 hours. This applies to all business loans up to 150,000 euros.

Request your rate today and we'll call you back as soon as possible.

KBC Live: the helpline that gives you certainty when you're in doubt

Taking out a loan is a major step. Perhaps you have questions or are unsure what to do. For instance, is an investment credit the right type of finance for you? Are there any better or cheaper alternatives or how much of your own money do you have to put in?
And… would there be any scope to negotiate and perhaps knock 0.05% off the rate.

At KBC, you won't need to negotiate on your rate as we always give you the best possible one, regardless of whether you're online or in your KBC branch.

Need help with your digital application? Feel free to contact us. We’ll be happy to help.

Answers to the most frequently asked questions received from fellow business owners

What is an investment credit?

An investment credit is a medium or long-term credit facility (i.e. with a term of 2 to 20 years). You can use it for purchasing fixed assets such as property for your business, company cars and equipment. It can be used to fund the start-up of your business or for new investments to further grow your business.

Our KBC Touch, KBC Mobile and KBC Business Dashboard apps makes it easy for you to apply for new credit facilities. If you’d like to discuss your financing needs with us, our experts are ready to help you in person at your KBC branch or where you are by phone or chat.

After signing, you can easily continue to digitally manage and draw down the new credit facilities.

What is the interest rate for an investment credit?

You can take out an investment credit with either a fixed or variable interest rate. The interest you end up paying depends on what you choose.

With a fixed interest rate, you have a clear overview of the total amount you will have to repay. With a variable interest rate, you can respond flexibly to developments within your company.

You can have your own rate reviewed when the interest rate for the investment credit is being reviewed. Your relationship manager at KBC can provide you with more information on the interest rate review for your investment credit.

What is the interest rate for an investment credit?

You can take out an investment credit with either a fixed or variable interest rate. The interest you end up paying depends on what you choose.

With a fixed interest rate, you have a clear overview of the total amount you will have to repay. With a variable interest rate, you can respond flexibly to developments within your company.

You can have your own rate reviewed when the interest rate for the investment credit is being reviewed. Your relationship manager at KBC can provide you with more information on the interest rate review for your investment credit.

How much can you borrow under an investment credit facility?

The amount of your investment credit facility takes into account your capital spending plan, offer and order form, and what you can invest yourself. You determine the amount of your investment credit in consultation with your KBC relationship manager.

What can the KBC Investment Credit be used for?

1. Real estate

  • Renovating or purchasing a building
  • Taking over a business
  • Green investments, such as solar panels, insulation or heat pumps

2. Company cars

  • Passenger cars
  • Delivery vans and lorries
  • Agricultural vehicles

3. Business equipment

  • Office facilities
  • Purchasing machines
  • Computers and IT

What is the term to maturity of an investment credit?

The term ranges from 2 to 20 years, and depends on the nature of your investment.

With business equipment and vehicles, it depends on the maximum term of the accounting depreciation period. We refer to this as medium term, i.e. 2 to 5 years. For example, the term for a new passenger car is a maximum of 5 years.

With the purchase of real estate for your company, this is referred to as long term, i.e. 5 to 20 years. You can fund the purchase of a new business premises for up to 20 years, for example.

Who is the investment credit suitable for?

The KBC Investment Credit is a business credit facility that is suited to both starters and established business owners.

  • Self-employed individuals and persons engaging in a liberal profession
  • SME business owners
  • Agricultural and horticultural businesses

What are the benefits offered by an investment credit facility?

1. You have a wide range of repayment options

2. Can be drawn down in instalments or in one lump sum

You can decide whether to draw down the entire sum in one go (for example to purchase a building) or to draw down the loan in instalments, such as for renovation work.

3. Can be combined with government aid

The government has implemented measures to encourage businesspeople to invest. View the list of support measures.

4. Easy to apply and manage online

Our Touch, Mobile and Business Dashboard apps for online banking make it a breeze to work out, compare and apply for the right credit facility for you and your business.

Once your credit facility has been approved, it’s easy to make drawdowns in Touch or Business Dashboard.

5. Get your credit within 24 hours at the latest

You could have your credit facility the day after you apply online or have an appointment with your relationship manager.

6. Tax-deductible

Your charges and interest can be offset against your corporation tax.

7. Financial protection

With your investment credit facility, you can protect your family or business by taking out optional death cover. Learn more about this insurance cover.

How is an investment credit repaid?

Equal instalments: If you opt for repayments in equal amounts, the periodic repayments (i.e. principal + interest) will always be the same. At the beginning of the term, you pay mostly interest and pay off little principal. Towards the end of the term, the ratio changes and you pay off more principal and less interest.

Equal principal repayments: If you opt for equal instalments of principal, you repay the same amount of principal on each due date. As the interest is calculated on the outstanding principal, the instalments you have to pay (i.e. interest and principal) reduce over time. For this reason, they are referred to as decreasing repayments.

Grace period: You can have a grace period to postpone the first repayment. The length of that period depends on your credit facility and is determined in consultation with your KBC relationship manager.

Is the investment credit tax-deductible and can I book it as an expense?

An investment credit must be processed on the accounting balance sheet: capitalisation and depreciation.

Get a professional credit facility to fit your business

Your no-obligation proposal is just a click away

At KBC, you can save time by not having to make appointments at your branch. All you need to do is arrange your loan on your desktop or tablet.

All-digital application process for KBC customers

You can easily apply for your credit in KBC Touch, KBC Mobile or KBC Business Dashboard:

  • Choose the amount of money you want to borrow
  • Determine the period over which you'll repay that amount
  • Get a no-obligation proposal immediately

You can then convert our proposal into an application and check how feasible your credit is.

Good to know: at KBC, you won't need to negotiate on your rate as we always give you the best possible one, regardless of whether you're online or in your KBC branch.

Invest in your business: apply for a credit facility now

Not with us yet?

No problem. It remains our priority to provide you with a decision within 24 hours for business loans up to 150,000 euros.

Apply for a credit facility now

A colleague will contact you and advise you about which documents you need to prepare.

Invest in your business: apply for a credit facility now

Request credit?

Invest in your company: apply for your credit facility in KBC Touch, KBC Mobile or KBC Business Dashboard

Related products

Comparing credit for company cars

To find out which type of credit for company cars is best suited to your needs, check our handy comparison table to find out the differences between renting, leasing and investment credit.

What types of credit can I use to buy real estate?

There are various funding solutions if you decide to build or buy a property in the name of your business. See our wide range of solutions.

Compare types of credit for business facilities

KBC can finance the equipment for your business in four ways. Find out which credit suits your plans.