Do you need money as an entrepreneur?
With a business mortgage you use commercial property as collateral and free up money for your business: for working capital, an investment, an acquisition or the purchase of a property. Where a bank mainly looks at your figures, here your property is the starting point.
Borrow from € 50,000 · term of six months to five years · an initiative of Het Financieel Huis
Freeing up money for a growth step
Indicative. The financier sets the conditions.
Your financing in four steps
Quickscan
In one minute you see how much room your property offers as collateral.
Application
We discuss what you need the money for and gather the details of your property and your business.
Proposal
After the assessment and the valuation, you receive a proposal with the conditions.
Notary and payout
If you agree, the deed at the notary follows, then the payout.
The business mortgage: a property-backed loan for business financing
A business mortgage is a loan with commercial property as collateral. You can use it to buy a property, or to free up money that is tied up in your property. It can be an office, a storage space or warehouse, a hospitality business or a shop, and either an existing property or a new-build project. As long as it is commercial property, we will look at the options.
Our financing partner works with a network of investors who finance business mortgages. That means a loan can work out where a bank drops out. Want to know what amount is feasible? Take the quickscan.
- Low monthly payments, with all costs clearly stated upfront in the proposal
- Flexible term of six months to five years
- Borrow from € 50,000
The benefits for entrepreneurs
- The value of your property weighs more than your annual accounts
- Low monthly payments and no hidden costs: you know everything upfront
- A term that fits your plan, from six months to five years
- Financing possible in Belgium, the Netherlands, Curaçao and Bonaire
- Borrow from € 50,000
Build your file online
Want to move ahead right away? Create an account and build your file online, step by step: your business, the property serving as collateral, your existing credit and the necessary documents. You verify your identity with a photo of your identity card and a short video selfie.
Afterwards we calculate a file score that shows how strong your file is, based among other things on the ratio between your loan and the value of the property. A financier only sees your file through a secure link that you share yourself.
- Step by step, at your own pace
- Verification of identity and documents
- A score with clear points for attention
- Sharing via a secure link
What can you use the money for?
Working capital
Salaries, suppliers, VAT or a seasonal peak: breathing space for your cash flow.
Read more →Investment or growth
Machinery, stock, a new branch or extra staff.
Read more →Acquisition of a business
Taking over an existing business or its goodwill.
Read more →Bridging finance
Temporary funds until a sale, a subsidy or a payment comes in.
Read more →Purchase or renovation of a property
Buying or adapting a business or investment property.
Read more →Refinancing
Combining existing loans or spreading them differently.
Read more →Your property as the starting point
Banks in Belgium rarely lend purely on the basis of collateral. They look first at your figures, your sector and your track record, and only then ask for collateral. With a business loan it is the other way round: your property is the starting point.
This lets you free up money that is tied up in your property, even if your figures are temporarily under pressure or the bank does not decide quickly enough. A business loan is usually somewhat more expensive than bank credit. It is therefore often a short- or medium-term solution, or a supplement within a healthy credit mix.
- Your property as collateral
- For any business purpose
- Term of six months to five years
How to apply for a business mortgage
Your property
Send us the details of the property or properties you are interested in, or that you want to use as collateral.
Your situation
Let us know whether you have already signed a purchase agreement, or whether your bank will not finance it.
Extra information
Tell us what you need the money for and add anything that may be useful for your file.
Answer within two working days
Within two working days you will hear whether a loan is possible and for what amount, as a first estimate.
No concrete plan yet, but curious about the monthly payments?
Work it out yourself with an interest rate of your choice. This shows what a business mortgage would cost per month.
Worked example with an interest rate that you choose yourself. Not an offer: the interest, the costs and the repayment method are determined by the financier. Warning: borrowing money costs money.
Is a business mortgage right for you?
Take the quickscan right away and find out what loan amount is feasible. You can borrow from € 50,000.
Frequently asked
What may I use the money for?
For any business purpose: working capital, investments, an acquisition, bridging finance or the purchase or renovation of a property.
How much can I borrow?
That depends on the value of your property. Financiers usually lend up to about 70 percent of the value, including any existing loan on the property.
From what amount can I borrow?
A business mortgage is possible from € 50,000.
In which countries can the property be located?
Through our financing partner, financing is possible for property in Belgium, the Netherlands, Curaçao and Bonaire.
Are you a bank or a lender?
No. Ondernemerslening.be guides your application. The loan is granted and provided by our financing partner, under its own conditions.
Can you guarantee financing?
No. We do all the work to make your application strong, but the financier decides.
Request a non-binding proposal
Briefly tell us what you need the money for and which property can serve as collateral. We will contact you within one working day.
- No obligation
- Personal contact
- You decide