{"type":"document","data":{"id":"8a98b1a7-44c5-49c3-8994-80cdf7816b6a","localeString":"en-GB","publishDate":"2025-10-06T09:46:28.180+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Do you regularly have unexpectedly large expenses? Discover ING Opticash. With this credit line with flexible conditions, you manage your capital yourself."},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"Request and manage your line of credit online","icon":{"transformBaseUrl":"https://assets.ing.com/transform/bff3e3dd-027b-492c-b9c6-667d8d7346c3/Monitor_outline_orange_RGB-1","type":"image","width":267,"original":"https://assets.ing.com/m/3d9f900d3d371a05/original/Monitor_outline_orange_RGB-1.png","extension":"png"}},{"body":"Unlimited term","icon":{"transformBaseUrl":"https://assets.ing.com/transform/e9370f9e-1196-4080-92f1-554698d7891f/Clock_outline_orange_RGB-2","type":"image","width":267,"original":"https://assets.ing.com/m/55771fc35a2f80c3/original/Clock_outline_orange_RGB-2.png","extension":"png"}},{"body":"Flexible repayment at your preferred pace","icon":{"transformBaseUrl":"https://assets.ing.com/transform/9156bb83-5de8-4290-a86b-dbb1c4bc10f2/Recurring-payment_Outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/32a9b3510e6a97bd/original/Recurring-payment_Outline_RGB.png","extension":"png"}}],"cta":{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/business-lending/instant-lending?EW=true","text":"Apply here 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 here if you are not yet ING-client"}},"coreHeader":{"body":"ING Opticash is a flexible line of credit linked to your ING current account. It allows you to manage temporary cash shortages, unexpected expenses or working-capital needs with ease. With a minimum credit of €25,000, you control how and when you use the funds—without disrupting your operations. \r\n\r\nYou can directly transfer money between your ING Opticash account and your ING current account via Business’Bank or Telelink Online.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/e4a9c153-76f6-4f72-ab30-524618f62396/ing-opticash-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/29506f7a21b78cf8/original/ing-opticash-1920.jpg","extension":"jpg"},"title":"Business overdraft facility to manage your liquidity with confidence","subtitle":"Flexible access to working capital when you need it most"},"backLink":{"textLink":{"url":"/en/business/financing","text":"Financing"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Why Choose ING Opticash"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/dc1e5416-25b4-480d-9256-e8cac0dc36aa/prod-ext-cash-reserve","type":"image","width":150,"original":"https://assets.ing.com/m/50124523e0f94aa0/original/prod-ext-cash-reserve.png","extension":"png"},"highlighted":false,"items":[{"body":"Transfer funds freely via Business'Bank or Telelink Online as needed.","title":"Self-managed liquidity"},{"body":"Interest and setup fees may be deductible under business tax laws.","title":"Tax-deductible charges"},{"body":"You only pay interest on the amounts you actually use, not on the total line of credit.","title":"No cost for unused funds"}]},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What is the ING Opticash?","richBody":{"value":"<p>ING Opticash links a credit facility of minimum 25,000 euros to your ING current account. That way you can easily manage your liquidity via transfers between your Opticash account and current account. It has an unlimited term. You manage the capital yourself by transferring the amount you need from your ING Opticash account to your ING current account. This can be done entirely online via Business&apos;Bank or Telelink Online! You repay by transferring money to your Opticash account at your own pace. You only pay interest on the amounts that you actually use. ING calculates this interest every 3 months and debits it from your current account automatically. </p>"}},{"title":"What amount can I borrow and what are the repayment terms?","richBody":{"value":"<p>Your line of credit starts at €25,000. You repay at your preferred pace by transferring funds back to your Opticash account. Interest is calculated quarterly and is automatically debited from your current account. Only the amount used accrues interest. </p>"}},{"title":"What are the fees?","richBody":{"value":"<ul><li>a one-off study fee</li><li>a quarterly arrangement fee</li><li>a quarterly commission calculated on the credit granted</li></ul>"}},{"title":"How does the application for an ING Opticash work?","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/11feb8a9d9e44c30/ING_OCA_EN.pdf\">Read the product fact sheet (PDF).  </a></p><p> </p><p> </p><p> </p>"}},{"title":"What is the legal information?","richBody":{"value":"<p>Loan offers are reserved for private individuals over 18 years of age and for legal entities, and are 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. </p><p>ING Belgium SA/nv – Bank/Lender – Registered Office: Avenue Marnix/Marnixlaan 24, B-1000 Brussels.​ </p>"}}]}]}}}