Straight loans

Short term advances are paid into your current account

Straight loans

Short term advances are paid into your current account

Fast reaction to your business finance needs

Once a fixed advance is paid into your business account, the amount can be used flexibly to fund your business's operations.

Certainty about interest payable on the amount drawn down

Because the interest rate is fixed from the outset when the funds are drawn down, you know exactly how much you have to pay back.

Make drawdowns and sign digitally online

You can record straight loans and drawdowns (minimum 25.000 euros) using KBC-Online for Business or KBC Touch.

What is a straight loan?

straight loan KBC

To fund your business operations where you can readily project the amount and the duration of your credit requirement, you supplement a KBC Advance in Current Account by drawing down ‘straight loans’. You use straight loans to fund your larger operational requirements in the short term.

You draw down  this business credit by making payments via your account with the straight loans KBC deposits on your current account whenever you need them. You can draw down one or more straight loans any time you like, up to the credit limit. At the end of the drawdown period of the straight loan, KBC debits the amount of your loan plus the interest due from your current account.


  • You can deal simply and flexibly with your changing capital requirements.
  • The credit line offers you lots of flexibility, in terms of both the amount and the duration of the drawdowns. You pay a margin on the Euro Interbank Offered Rate (EURIBOR), and you choose how often the margin on the straight loan is reviewed.
  • Both interest and charges are tax-deductible.
  • You can vary the limit of the credit line seasonally.

The amount

straight loan KBC

You decide the limit for the business credit together with your KBC relationship manager based on your financial plans and operational needs. As soon as we have allocated the credit line to your KBC Current Account, you can draw down the business credit in the form of short-term straight loans. The minimum amount depends on how you want to manage your straight loans.

Manage your loans in KBC Touch or KBC-Online for Business

If you decide to draw down your straight loans digitally in Touch or Online for Business, the drawdown amount must come to at least 25,000 euros. Drawing down your straight loans in this way is quick and easy. You can do so from home, whenever you want, using your smartphone, tablet or computer.

Manage your loans in your bank branch

If you are drawing down your straight loans in the branch, the business credit must amount to at least 50,000 euros. Within this limit, you can draw down one or more short-term straight loans (for a term of at least 14 days and at most 1 year). The minimum drawdown is also 50,000 euros.

Interest rate

When we register your line of business credit, we set the interest rate for a period agreed in advance. The interest rate when drawing down a straight loan is based on the EURIBOR plus a margin that is guaranteed until the contractual margin review date.

You are certain of the interest rate you will pay when the straight loan falls due. You only pay interest on the amount you draw down.


You yourself choose the amount you draw down and the period for which you need the business credit. We then deposit the amount on your current account. You can quickly register your straight loan drawdowns yourself via KBC-Online for Business or KBC Touch.

Making drawdowns in KBC Touch

You can do this in Touch using the ‘Draw down straight loan’ button in your business credit facilities overview screen or in the details of the credit line. All you need to do to draw down the straight loan is to fill in the required amount and drawdown period and digitally sign it. 

Making drawdowns in KBC-Online for Business

In Online for Business, tap or click ‘Credit facilities' and then ‘Draw down straight loan’. You then need to select the credit file and the credit line for which you want to register a drawdown. After choosing the required amount and drawdown period, all you need to do to draw down the straight loan is to digitally sign it.

Additional Information

  • KBC Line of Business Credit with Straight Loans

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