Financing a new van?

At KBC Brussels, you always get the sharpest rate, even online.

Financing a new van?

At KBC Brussels, you always get the sharpest rate, even online.

Always get the sharpest rate for your finance

Negotiating the rate for your type of financing is something you won't need to do at KBC Brussels. We always give you the sharpest rate, regardless of whether you're online or in your KBC Brussels branch.

Offer: take out your finance online and get a free dashcam

At KBC Brussels, you automatically get the best rate for your finance, whether you're online in KBC Brussels Touch and KBC Brussels Live or in your KBC Brussels branch. That means you don't have to negotiate any more. What's more, you now get a free dashcam when you take out your finance online.

Mio MiVue C310, incl. Samsung SD memory card 32 GB.

How do you apply for your loan in KBC Brussels Touch?

Open KBC Brussels Touch. Go to 'Loans & credit facilities'.
Tap or click '+ New loan'. View your limit.
Sign digitally.
Draw down your loan online.

Which type of financing is best suited for your van?

Investment credit at a glance

How does the KBC Brussels Investment Credit work?

If you decide to go for a loan instead of leasing or renting, repayment is made in equal principal payments or equal instalments. You can also choose between a fixed or variable rate of interest.

What are the benefits offered by the KBC Brussels Investment Credit?

  • You have various repayment options to choose from (for example, monthly or quarterly).
  • You are certain of how much you will repay and for how long.
  • You can easily fit the periodic repayments into your financial planning.

Leasing at a glance

How does car leasing work?

Financial car leasing is a method of financing vehicles based on a triangular relationship between the lessee, the lessor and the supplier of the vehicle.

  • The leasing company buys a car on your behalf from a supplier that you choose yourself.
  • You enter into a lease agreement with the company for a given period during which you will use the car. Under the agreement, you make monthly or quarterly lease payments.
  • During the term of the lease agreement you are the economic owner of the vehicle, which means you can capitalise it on your balance sheet.
  • At the end of the agreement, you have the option of purchasing the car.

What are the benefits offered by car leasing?

  • There is nothing to pay upfront. The leasing company pays the full purchase price to the vehicle supplier.
  • The leasing company pays the VAT when the vehicle is delivered. You pay the VAT in instalments each time you receive a leasing invoice. This way, you avoid an additional financial burden at the time of the investment.
  • No collateral is required from you. This means you can use your collateral to secure other business loans, thus enabling you to finance other investments.

Renting at a glance

How does renting work?

  • The leasing company buys a car on your behalf from a supplier that you choose yourself.
  • You enter into a rental agreement with the company for a given period during which you will use the vehicle. Under the agreement, you make monthly or quarterly rental payments.
  • At the end of the agreement, you have the option of purchasing the car. With renting, there is always a minimum residual value equal to 16% of the purchase price.

What are the benefits offered by renting?

  • There is nothing to pay upfront.
  • The leasing company pays the full purchase price to the vehicle supplier. The leasing company pays the VAT when the vehicle is delivered. You pay the VAT in instalments each time you receive a rental invoice. This way, you avoid an additional financial burden at the time of the investment.
  • No collateral is required from you. This means you can use your collateral to secure other business loans, thus enabling you to finance other investments.
  • You treat the rental invoices as expenses in your business’s profit and loss account. The vehicle is, therefore, not entered on your balance sheet and does not have an adverse impact on the balance sheet total.

Apply for rental finance now >

A comparison of the various options

  Investment credit

Leasing

Renting

Preferred choice of companies for Vans Vans Passenger cars
Minimum credit amount None  5 000 EUR (excl. VAT)

5 000 EUR (excl. VAT)

Term                    

2 to 5 years

2 to 5 years

2 to 5 years

Pre-financing of VAT


Residual value ≤ 15% of the investment amount ≥ 16% of the investment amount
Purchase option


 


Car can be purchased at its residual value at the end of the contract

Car can be purchased at its residual value at the end of the contract
Proof of investment upon drawdown
Administrative work Can be drawn down online using KBC Brussels Touch and/or the KBC Brussels Business Dashboard Done by KBC Brussels Done by KBC Brussels

Accounting treatment

On the balance sheet
Capitalisation and depreciation
On the balance sheet
Capitalisation and depreciation
On the income statement
Booked as expense
  Apply for KBC Brussels Investment Credit now Apply for leasing finance now Apply for rental finance now
  Learn all about the KBC Brussels Investment Credit

 

Learn all about financial leasing

 

Learn all about renting

Need help choosing the right type of finance?

Don’t hesitate to contact the experts at KBC Brussels Live. They’ll be happy to help you.

* For all business loans up to 150 000 euros, provided your application is complete.

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