Frequently asked questions
Conditions, costs, term and process.
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.
Why does a bank not offer this?
Banks in Belgium rarely lend purely on the basis of collateral: they look first at your figures and your sector. With a business loan, your property is the starting point.
Does the property have to belong to my business?
No. It can be in the name of your business or in your own name. Your own family home usually does not qualify.
Are you a lender?
No. Ondernemerslening.be guides your application. The loan is granted and provided by our financing partner.
How much can I borrow?
That depends on the value of your property and on your project. Financiers usually lend up to about 70 percent of the value.
What is the term?
Usually between six months and five years.
What does a business loan cost?
The interest and costs depend on the property, the amount and the term. You receive them upfront in the proposal. A business loan is usually somewhat more expensive than bank credit.
How quickly does it go?
That depends on your file, the valuation and the notary. A complete file speeds everything up.
Can you guarantee financing?
No. The financier decides. We do all the work to make your application strong.
Can I repay early?
That can usually be discussed. The conditions are stated in the proposal.
What is a business mortgage?
A property-backed loan for business financing: a loan with commercial property as collateral, for the purchase of a property or to free up money for your business.
From what amount can I borrow?
From € 50,000.
How quickly will I know if it is possible?
Within two working days you receive a first estimate of whether a loan is possible and for what amount.
In which countries can the property be located?
In Belgium, the Netherlands, Curaçao and Bonaire, through our financing partner.
Can I build my file online?
Yes. Create an account and fill in, step by step, the details of your business, the collateral and your existing credit. Then you upload the necessary documents and verify your identity.
What is the file score?
An indicative score that shows how complete and coherent your file is: documents, identity, income, repayment capacity and above all the ratio between the loan and the value of the property. The score is not a credit decision: the financier decides.
Who sees my file?
Only you, until you share it. You can create a secure link and switch it off again at any time.