Investment Credit

KBC Brussels Investment Credit: for the purchase of business equipment, company cars and real estate

Investment Credit

KBC Brussels Investment Credit: for the purchase of business equipment, company cars and real estate

Run a simulation and see your personal rate

After the keenest rate for your credit facility? Save yourself the hassle of negotiating and get it as standard from now on, either online or in your branch.

Assistance from a trusted expert: by phone, chat and in KBC Brussels Touch

Apply without obligation for your credit facility in KBC Brussels Touch or KBC Brussels Mobile. If you have questions or are unsure what to do, click the Live Chat button and an expert from your branch will help you right away.

Easy to draw down and manage online

Enjoy the convenience of signing your application digitally in all our KBC Brussels apps, and then draw down and manage your credit facility online too.

Get a credit facility to invest in your business

Motor Show offer: apply for vehicle financing by 31 March and get it at a great promotional rate.

Looking to give your business some financial breathing space? After a way, perhaps, to finance investments and growth? Or maybe wanting to optimise your expenditure through pre-payments?

Whatever the reason, an investment credit is the ideal solution for your business.

But then the challenge facing you is to get the loan approved. Once your credit facility has been approved, it’s easy to make drawdowns in Touch or using our Online for Business facility.

Not only that, you also have to ensure you get the best rate for your loan.

At KBC Brussels, we cut out all the time-consuming hassle of negotiating and signing papers. Instead, we make sure you always get the best personal rate.

Your best rate right away

I'm with KBC Brussels

As a KBC Brussels customer, you automatically get our best rate, regardless of whether you're online with KBC Brussels Touch, KBC Brussels Mobile and KBC Brussels Live, or in your KBC Brussels branch. The proposed rate is always based on factors like your personal customer relationship with us, the sector you're active in, your company, the length of time you borrow for and the amount you borrow.

So, you no longer have to put all your energy into playing the shrewd negotiator. You can run a simulation in KBC Brussels Touch or KBC Brussels Mobile right away using your personal rate for the most popular types of loan up to 50,000 euros. And you can do so even if you've never taken out a loan with KBC Brussels before, or don't have any outstanding guarantees.

I'm not with KBC Brussels yet

If you're not a KBC Brussels customer yet or don't use KBC Brussels Touch or KBC Brussels Mobile, we'll still help you within 24 hours.

This applies to all business loans up to 150,000 euros and provided your application is complete.
Request your rate today and we'll call you back within 24 hours.

Open KBC Brussels Touch now and run a simulation using your personal rate
Request your personal rate
Open KBC Brussels Mobile now and run a simulation using your personal rate
Request your personal rate

KBC Brussels Live: the helpline that gives you certainty when you're in doubt

Taking out a loan is a major step. Perhaps you have questions or are unsure what to do. For instance, is an investment credit the right type of finance for you? Are there any better or cheaper alternatives or how much of your own money do you have to put in?
And… would there be any scope to negotiate and perhaps knock 0.05% off the rate?

Your personal rate is guaranteed and that's something you can be sure of.
If you have any other questions, we'll be happy to help.

You're more than welcome to contact KBC Brussels Live when running your simulation or when applying for your credit facility in KBC Brussels Touch and KBC Brussels Mobile.

Answers to the most frequently asked questions received from fellow business owners

What is an investment credit?

An investment credit is a medium or long-term credit facility (i.e. with a term of 2 to 20 years). You can use it for purchasing fixed assets such as property for your business, company cars and equipment. It can be used to fund the start-up of your business or for new investments to further grow your business.

Our KBC Brussels Touch and KBC Brussels Mobile apps makes it easy for you to apply for new credit facilities. If you’d like to discuss your financing needs with us, our experts are ready to help you in person at your KBC Brussels branch or where you are by phone or chat.

After signing, you can easily continue to digitally manage and draw down the new credit facilities.

What is the interest rate for an investment credit?

You can take out an investment credit with either a fixed or variable interest rate. The interest you end up paying depends on what you choose.

With a fixed interest rate, you have a clear overview of the total amount you will have to repay. With a variable interest rate, you can respond flexibly to developments within your company.

You can have your own rate reviewed when the interest rate for the investment credit is being reviewed. Your relationship manager at KBC Brussels can provide you with more information on the interest rate review for your investment credit.

What is the interest rate for an investment credit?

You can take out an investment credit with either a fixed or variable interest rate. The interest you end up paying depends on what you choose.

With a fixed interest rate, you have a clear overview of the total amount you will have to repay. With a variable interest rate, you can respond flexibly to developments within your company.

You can have your own rate reviewed when the interest rate for the investment credit is being reviewed. Your relationship manager at KBC Brussels can provide you with more information on the interest rate review for your investment credit.

How much can you borrow under an investment credit facility?

The amount of your investment credit facility takes into account your capital spending plan, offer and order form, and what you can invest yourself. You determine the amount of your investment credit in consultation with your KBC Brussels relationship manager.

What can the KBC Brussels Investment Credit be used for?

1. Real estate

  • Renovating or purchasing a building
  • Taking over a business
  • Green investments, such as solar panels, insulation or heat pumps

2. Company cars

  • Passenger cars
  • Delivery vans and lorries
  • Agricultural vehicles

3. Business equipment

  • Office facilities
  • Purchasing machines
  • Computers and IT

What is the term to maturity of an investment credit?

The term ranges from 2 to 20 years, and depends on the nature of your investment.

With business equipment and vehicles, it depends on the maximum term of the accounting depreciation period. We refer to this as medium term, i.e. 2 to 5 years. For example, the term for a new passenger car is a maximum of 5 years.

With the purchase of real estate for your company, this is referred to as long term, i.e. 5 to 20 years. You can fund the purchase of a new business premises for up to 20 years, for example.

Who is the investment credit suitable for?

The KBC Brussels Investment Credit is a business credit facility that is suited to both starters and established business owners.

  • Self-employed individuals and persons engaging in a liberal profession
  • SME business owners
  • Agricultural and horticultural businesses

What are the benefits offered by an investment credit facility?

1. You have a wide range of repayment options

2. Can be drawn down in instalments or in one lump sum

You can decide whether to draw down the entire sum in one go (for example to purchase a building) or to draw down the loan in instalments, such as for renovation work.

3. Can be combined with government aid

The government has implemented measures to encourage businesspeople to invest. View the list of support measures.

4. Easy to apply and manage online

Our Touch and Mobile apps for online banking make it a breeze to work out, compare and apply for the right credit facility for you and your business.

Once your credit facility has been approved, it’s easy to make drawdowns in Touch or using our Online for Business facility.

5. Get your credit within 24 hours

You could have your credit facility the day after you apply online or have an appointment with your relationship manager.*

6. Tax-deductible

Your charges and interest can be offset against your corporation tax.

7. Financial protection

With your investment credit facility, you can protect your family or business by taking out optional death cover. Learn more about this insurance cover.

How is an investment credit repaid?

Equal instalments: If you opt for repayments in equal amounts, the periodic repayments (i.e. principal + interest) will always be the same. At the beginning of the term, you pay mostly interest and pay off little principal. Towards the end of the term, the ratio changes and you pay off more principal and less interest.

Equal principal repayments: If you opt for equal instalments of principal, you repay the same amount of principal on each due date. As the interest is calculated on the outstanding principal, the instalments you have to pay (i.e. interest and principal) reduce over time. For this reason, they are referred to as decreasing repayments.

Grace period: You can have a grace period to postpone the first repayment. The length of that period depends on your credit facility and is determined in consultation with your KBC Brussels relationship manager.

Is the investment credit tax-deductible and can I book it as an expense?

An investment credit must be processed on the accounting balance sheet: capitalisation and depreciation.

Get a professional credit facility to fit your business

Your no-obligation proposal is just a click away

At KBC Brussels, you can save time by not having to make appointments at your branch. All you need to do is arrange your loan on your desktop or tablet.

All-digital application process for KBC Brussels customers

Say goodbye to paper as everything is done online using KBC Brussels Touch or KBC Brussels Mobile and you sign using your card reader or KBC Brussels Sign. And it's totally secure thanks to our security systems.

Stay in control.

  • Decide yourself how much to borrow and for how long
  • Determine what you repay every month
  • Upload your supporting documents online, if required

Apply for your credit in just a few steps without any obligation on your part.

And we're here to give you advice every step of the way, including online.
Our experts provide online advice on weekdays and Saturdays using instant messaging or video chat services.

A small proportion of applications are approved automatically by our systems (again without any obligation).
All you have to do now is sign (digitally) to take out your credit facility and access it right away.

Application not approved straightaway? No problem. Our automated systems are rather stringent. A colleague will now personally go through your application. If there are any questions, he or she will call you, and you will know within 24 hours whether your application has been approved without obligation. All you have to do now is sign (digitally) to take out your credit facility and access it right away.

Invest in your business: apply for a credit facility now

Not with us yet?

No problem. It remains our priority to provide you with a decision within 24 hours for business loans up to 150,000 euros.

Complete the form
A colleague will contact you to arrange an appointment (in your KBC Brussels branch, via chat or simply by phone) and also advise you about which documents you need to prepare.

Invest in your business: apply for a credit facility now

Request credit?

Invest in your company: apply for your credit facility by phone, chat or in KBC Brussels Touch

* Decisions on business credit facilities of up to 150 000 euros should be available within 24 hours of applying online or by appointment, provided your application is complete.

Learn more

More info

  • KBC Brussels Investment Credit product fact sheet

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