{"type":"document","data":{"id":"677bfbe4-be82-4459-90e0-c6fd2b8038b7","localeString":"en-GB","publishDate":"2025-10-06T09:47:10.632+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"ING Overdraft is a flexible credit facility that lets large businesses overdraw their ING current account by €250,000 or more, up to a predetermined limit. This ensures that you always have immediate access to funds to cover liquidity gaps or unexpected expenses."},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"Immediate access to funds","icon":{"transformBaseUrl":"https://assets.ing.com/transform/c96a9f9c-4a8d-4127-9b2f-f5ed3538ff3b/Wallet_outline_orange_RGB-2","type":"image","width":267,"original":"https://assets.ing.com/m/cdf0d283da97984/original/Wallet_outline_orange_RGB-2.png","extension":"png"}},{"body":"Use only what you need","icon":{"transformBaseUrl":"https://assets.ing.com/transform/4340dfab-4f93-4f33-a14f-0b31c6a35fa9/Show-info_Outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/6bff0b609b603120/original/Show-info_Outline_RGB.png","extension":"png"}},{"body":"Pay interest only on the amount used","icon":{"transformBaseUrl":"https://assets.ing.com/transform/5b86562c-a507-4a3f-9719-f56e4612d29c/Percentage_outline_orange_RGB","type":"image","width":267,"original":"https://assets.ing.com/m/56abe7e7ec836558/original/Percentage_outline_orange_RGB.png","extension":"png"}}],"cta":{"componentType":"cta","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"}},"coreHeader":{"body":"ING Overdraft is a flexible credit facility that lets large businesses overdraw their ING current account by €250,000 or more, up to a predetermined limit. This ensures that you always have immediate access to funds to cover liquidity gaps or unexpected expenses. Use only what you need, and pay interest only on the amount used, making it a cost-efficient way to manage your budget.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/9afad0b1-5544-4a88-917e-80fa37588913/cash-credit-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/353fa79b1c396b2a/original/cash-credit-1920.jpg","extension":"jpg"},"title":"ING Overdraft: credit for large businesses","subtitle":"Immediate liquidity to cover unexpected gaps in cash flow"},"backLink":{"textLink":{"url":"/en/business/financing","text":"Financing"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Why choose ING Overdraft?"},{"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":"With a minimum credit limit of €250,000, ING Overdraft is designed for businesses with larger financing needs. It’s there to, ensure you always have sufficient funds.","title":"Large credit limits for large businesses"},{"body":"Does your business experience seasonal variability, urgent expenses, or temporary cash-flow shortages? ING Overdraft provides instant access to working capital.","title":"Lets you manage unpredictable liquidity fluctuations"},{"body":"There is no fixed repayment schedule, giving you complete control over your finances. You only pay interest on the amount you use, making it a cost-effective way to manage working capital.","title":"Flexible repayment and interest calculation"}]},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What is the ING Overdraft?","richBody":{"value":"<p>ING Overdraft is a credit facility that allows large businesses to overdraw their current account up to an agreed limit. This helps ensure continuous liquidity for your operations.</p>"}},{"title":"What amount can I borrow and what are the repayment terms?","richBody":{"value":"<p>You must borrow at least €250,000. There is no fixed repayment schedule. You can repay and withdraw funds as needed, and you only pay interest on the amount you actually use. You repay the amount at your own pace by simply transferring funds into your ING current account. You only pay interest on the total credit drawn. ING calculates the interest on a quarterly basis and debits it automatically from your current account. The interest is tax-deductible as a business expense. </p>"}},{"title":"What are the fees?","richBody":{"value":"<p>The costs depend on the credit amount and conditions agreed upon with ING. You pay: </p><ul><li><p>a one-off, upfront study cost </p></li></ul><ul><li><p>a quarterly arrangement fee </p></li></ul><ul><li><p>a quarterly commission calculated on the credit granted </p></li></ul><ul><li><p>interest on the credit amount used</p></li></ul>"}},{"title":"How does the application for an ING Overdraft work?","richBody":{"value":"<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 an ING-client </a></p><p><a href=\"https://assets.ing.com/m/7f43b54baec578c0/ING_KAS_EN.pdf\">Read the product fact sheet (PDF).  </a></p><p> </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>"}}]}]}}}