Maintain your cashflow
With our Cash Budget Credit Facility, staff holiday pay and year-end bonuses won’t strain your cash resources.
Spread your costs
Repay what you borrow over 12 months.
Benefit from low interest charges
Interest and charges are both tax-deductible
Improve your cash planning by spreading your expenditure
Holiday pay and year-end bonuses (13th month) are annually recurring expenses that can have a major impact on the cashflow of your business.
However, you can spread these operating expenses over a full year with a cash budget credit facility. This frees up your own funds to cover any unexpected expense or to finance investments.
Why take out a cash budget credit facility?
- An attractive financial solution for a liquidity shortage
- Other lines of credit remain available, such as advances in current account
- The fixed interest rate provides certainty about how much you repay
- Interest expenses are tax-deductible
How it works
You decide the amount to be financed. Once we've approved your request for the KBC Cash Budget Credit Facility, we'll send you the credit contract in digital form so you can sign it and then draw it down digitally.
Your repayments are deducted automatically and spread over 12 months after your first drawdown. The interest rate is fixed throughout that period.
Apply for your Cash Budget Credit Facility in your KBC Business Dashboard
Tap or click ‘Offer’ in the top navigation bar and then ‘Apply for finance to cover payroll costs’. (Step-by-step guide (PDF))