Ideal for purchasing business equipment, company cars and premises
- Personalised rate for each type of product
- Simple digital application process
- Easy to sign for, draw down and manage online
Work out your personal rate now
Take out your loan online and get your origination fee waived.
At KBC Brussels, we traditionally cut our rates for company cars at the start of the new year. If you decide to go for an electric car, we’ll go a step further and offer a special low rate!
And that's not all. Take out your investment credit online between 2 January and 17 March and you won’t have to pay the loan origination fee of 125 euros!
* Checkout the offer terms and conditions.
What can the investment credit be used for?
Your company car
A passenger car or van (electric, new or second-hand).
Your business equipment
Office and shop furnishings, agricultural and industrial machinery, solar panels, etc.
Real estate
Renovating or purchasing a (commercial) property, taking over a business, etc.
We take a closer look below at the investment credit option.
An investment credit is a type of medium or long-term loan (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.
KBC Touch, KBC Mobile and the KBC Business Dashboard enable you to apply quickly and easily 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 branch or where you are through KBC Live. After signing, you can digitally manage and draw down the new credit facilities.
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.
The amount of your investment credit takes into account:
- your investment plan
- quotes and orders
- what you can invest yourself
You determine the size of your investment credit in consultation with your KBC relationship manager.
The term ranges from 2 to 20 years, and depends on the nature of your investment.
With business equipment and company cars, it depends on the maximum term of the accounting depreciation period. We refer to this as medium term, i.e. from 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. from 5 to 20 years. You can fund the purchase of a new business premises for 15 years, for example.
The KBC Investment Credit is a business loan facility that is suited to both starters and established business owners, such as:
- The self-employed and liberal professions
- SME owners
- Agricultural and horticultural businesses
1. Wide range of repayment options
- Make repayments every month, three months, six months or year
- Postpone your first repayment with a grace period
- Pay in equal instalments or make equal principal repayments
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. Drawdowns can be made only after the relevant invoices have been submitted.
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
KBC Touch, KBC Mobile and the KBC Business Dashboard make it a breeze to work out, compare and apply for the right credit facility for you and your business. You can see straight away whether your application has been approved or needs to be checked by KBC.
Once approved you can digitally sign, draw down and manage your credit facility.
5. Tax-deductible
Your charges as well as interest are tax-deductible.
6. Financial protection
With your investment credit facility, you can protect your family or business by taking out optional death cover. Learn more about remission of debt insurance.
No, an investment credit must be processed on the accounting balance sheet (capitalisation and depreciation). However, the interest on the credit is tax-deductible.
I bought a second-hand car for my business after taking out an investment credit at KBC Brussels to finance it. I applied for the loan digitally using KBC Brussels Mobile and within half an hour the money was in my account. The whole process went that quickly! If everything else in life was that easy, I’d have so much more free time. 😉
David Counye, Skateworld
Work out your personal rate now
Generate a no-obligation proposal
At KBC, you can save time by not having to make appointments at your branch. You can easily work out and apply for your credit facility online in just a few steps:
1. Choose the purpose you want to borrow for
2. Enter the amount you want to borrow
3. Specify the period over which you'll repay that amount
4. Get a no-obligation proposal right away
You can then convert our proposal into an application and check how feasible your credit facility is.
At KBC, you always get the best personal rate for you regardless of whether you've applied online or at your branch.
Good to know
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Now, let's dive into the information related to the concepts mentioned in the article you provided.
Investment Credit:
An investment credit is a type of medium or long-term loan that can be used to finance the purchase of fixed assets for a business, such as property, company cars, and equipment. It can also be used to fund the start-up of a business or for new investments to further grow a business. The credit can be taken out with either a fixed or variable interest rate, depending on the borrower's preference.
Purpose of Investment Credit:
The investment credit can be used for the following purposes:
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Company Cars: The credit can be used to finance the purchase of passenger cars or vans, whether they are electric, new, or second-hand.
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Business Equipment: It can be used to finance the purchase of office and shop furnishings, agricultural and industrial machinery, solar panels, and other equipment necessary for the business.
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Real Estate: The credit can be used for renovating or purchasing commercial properties, taking over a business, and other real estate-related purposes.
Repayment Options:
The KBC Investment Credit offers a wide range of repayment options, including:
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Repayment Frequency: Borrowers can choose to make repayments every month, three months, six months, or year, depending on their preference.
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Grace Period: Borrowers have the option to postpone their first repayment with a grace period.
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Repayment Structure: Borrowers can choose to make equal instalments or equal principal repayments.
Drawdown Options:
The investment credit can be drawn down in either instalments or one lump sum, depending on the borrower's needs. Borrowers can decide whether to draw down the entire sum in one go or in instalments, such as for renovation work. Drawdowns can be made only after the relevant invoices have been submitted.
Government Aid:
The investment credit can be combined with government aid measures that are implemented to encourage businesspeople to invest. Borrowers can view the list of support measures available.
Online Application and Management:
KBC offers an easy and convenient online application and management process for the investment credit. Borrowers can use KBC Touch, KBC Mobile, and the KBC Business Dashboard to apply quickly and easily for new credit facilities. The application process is streamlined, and borrowers can see whether their application has been approved or needs further checking. Once approved, borrowers can digitally sign, draw down, and manage their credit facility online.
Tax Deductibility:
Both the charges and interest on the investment credit are tax-deductible, providing financial benefits for borrowers.
Financial Protection:
Borrowers have the option to take out optional death cover with their investment credit facility, providing financial protection for their family or business. More information about remission of debt insurance can be obtained.
Testimonial:
David Counye, a customer who purchased a second-hand car for his business using an investment credit from KBC Brussels, shared his positive experience. He applied for the loan digitally using KBC Brussels Mobile, and the money was in his account within half an hour. He expressed satisfaction with the quick and efficient process.
I hope this information provides a comprehensive overview of the concepts mentioned in the article. If you have any further questions or need more details, feel free to ask!
