{"type":"document","data":{"id":"5be582e7-4894-420c-94f1-53610772ff8e","localeString":"en-GB","publishDate":"2025-11-10T11:02:23.432+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"At ING, we understand that year-end bonuses—whether it’s a 13th month, employee bonus, or other recurring expenses—are a great way to thank your team. But they can also put pressure on your budget."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/business-lending/instant-lending?EW=true","text":"Apply  if you are an ING-client "}},"secondaryCta":{"textLink":{"url":"https://www.ing.be/en/business/financing/intake-form-business-credit-center?flow-step=interested-in-a-professional-loan-1","text":"Apply if you are not yet ING-client "}},"coreHeader":{"body":"At ING, we understand that year-end bonuses—whether it’s a 13th month, employee bonus, or other recurring expenses—are a great way to thank your team. But they can also put pressure on your budget. That’s why we offer the annual bonus loan, a smart way to manage these costs without compromising your financial stability. You can borrow from as little as 2,000 euros. ING renews your loan annually at maturity for the same amount. Have your needs changed in the meantime? Easily adjust your preferences in Business'Bank.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/69536f8a-993c-44c0-bcf4-5c78adf7586e/ing-end-of-year-premium-loan-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/18fc26dea3946283/original/ing-end-of-year-premium-loan-1920.jpg","extension":"jpg"},"title":"Reward your team without straining your cash flow.","subtitle":"ING Financing of Annual Bonuses"},"backLink":{"textLink":{"url":"/en/business/financing","text":"Financing"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Why choose the ING Financing of Annual Bonuses?"},{"componentType":"paragraph","richBody":{"value":"<p></p>"}},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/3d2f1849-e1c8-4168-a15c-c3955bb73917/prod-ext-cash-reserve","type":"image","width":150,"original":"https://assets.ing.com/m/7d9de411e89fb817/original/prod-ext-cash-reserve.jpg","extension":"jpg"},"highlighted":false,"items":[{"body":"All interest paid is tax deductible as a business expense.","title":"Profit from tax incentives"},{"body":"ING automatically renews your loan at maturity for the same amount, unless you wish to terminate the contract.","title":"Automatically renew your contact"},{"body":"Your interest rate is calculated on the basis of the market rate at the time of signing the contract.","title":"Get the assurance of a fixed interest rate"}]},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/10579fb82712997f/original/Renewal-revolving-contracts-FR.mp4","videoPreviewURLs":["https://assets.ing.com/asset/17e73c58-5519-4868-a260-b87f192026f1/480p/Renewal-revolving-contracts-FR.mp4","https://assets.ing.com/asset/17e73c58-5519-4868-a260-b87f192026f1/1080p/Renewal-revolving-contracts-FR.mp4","https://assets.ing.com/asset/17e73c58-5519-4868-a260-b87f192026f1/720p/Renewal-revolving-contracts-FR.mp4","https://assets.ing.com/asset/17e73c58-5519-4868-a260-b87f192026f1/mp4/Renewal-revolving-contracts-FR.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/10579fb82712997f/mini-Renewal-revolving-contracts-FR.jpg","webimage":"https://assets.ing.com/m/10579fb82712997f/webimage-Renewal-revolving-contracts-FR.jpg","thul":"https://assets.ing.com/m/10579fb82712997f/thul-Renewal-revolving-contracts-FR.jpg"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What is the ING Financing of Annual Bonuses?","richBody":{"value":"<p>You receive the full amount upfront to cover your employee bonus payouts. Then, you repay in equal monthly instalments—simple, transparent, and manageable. </p>"}},{"title":"What are the repayment terms?","richBody":{"value":"<p>SMEs have the option of repaying their loan early. In that case, you pay a reinvestment fee equivalent to of 6 months&apos; interest.  </p>"}},{"title":"What are the fees?","richBody":{"value":"<p>You pay a one-off study cost of 125 euros.  </p>"}},{"title":"Is the financing renewed automatically?","richBody":{"value":"<p>ING renews your loan annually at maturity for the same amount. If your needs have changed in the meantime, you can easily adjust your preferences in Business’Bank. </p>"}},{"title":"How does the application for an ING Financing of Annual Bonuses?","richBody":{"value":"<p><a href=\"https://ebanking.ing.be/banking/business-lending/instant-lending?EW=true\">Apply here if you are an ING-client </a></p><p><a href=\"https://www.ing.be/en/business/financing/intake-form-business-credit-center?flow-step=interested-in-a-professional-loan-1\">Apply here if you are not yet ING-client</a></p><p><a href=\"https://assets.ing.com/m/38518a98a3547f0d/original/ING_EJP_EN.pdf\">Read the product fact sheet (PDF).  </a></p><p> </p>"}},{"title":"What is the legal information?","richBody":{"value":"<p>Loan offers reserved for private individuals over 18 years of age and legal entities for professional purposes. Offers are on condition of prior acceptance of your application by ING Belgium and by mutual agreement. The general terms and conditions of ING loans are available at all ING branches and on www.ing.be. ING Belgium SA/nv – Bank/Lender – Registered Office: Avenue Marnix/Marnixlaan 24, B-1000 Brussels. </p><p> </p>"}}]}]}}}