{"type":"document","data":{"id":"894ebe4f-cff3-4743-b5f4-0a9c4a07845c","localeString":"en-GB","publishDate":"2025-09-16T10:49:38.307+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"An ING Straight Loan is a tailored, short-term credit solution to cover temporary liquidity needs. You define the amount and duration of each drawdown and benefit from a predictable, customised repayment and interest structure."},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"Tailor-made","icon":{"transformBaseUrl":"https://assets.ing.com/transform/baf47f5c-a292-4191-9f59-ea8f12b43889/Handshake-Icon","type":"image","width":100,"original":"https://assets.ing.com/m/79db5886ee509b51/original/Handshake-Icon.png","extension":"png"}},{"body":"Transparent and predictable","icon":{"transformBaseUrl":"https://assets.ing.com/transform/0bf9c468-572b-4aab-8543-4ecea89d8fde/Notification_success_outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/49d4dccec31cac65/original/Notification_success_outline_RGB.png","extension":"png"}},{"body":"Extendable to meet your needs","icon":{"transformBaseUrl":"https://assets.ing.com/transform/b6840ea5-6cb1-4280-bad7-bbe224f7d4b1/Know-your-customer_outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/42cdfbb6ec9b16f9/original/Know-your-customer_outline_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"}},"secondaryCta":{"textLink":{"text":"Go to Telelink Online"}},"coreHeader":{"body":"An ING Straight Loan is a tailored, short-term credit solution to cover temporary liquidity needs. You define the amount and duration of each drawdown and benefit from a predictable, customised repayment and interest structure. It’s the ideal way to manage one-off or recurring operational costs while retaining control of working capital.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/84bfe3ad-f711-4afc-9ae3-53720a929e79/ing-straight-loan-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/51c21909854c17c7/original/ing-straight-loan-1920.jpg","extension":"jpg"},"title":"Flexible Financing with an ING Straight Loan","subtitle":"Short-term financing with fixed terms and full control"},"backLink":{"textLink":{"url":"/en/business/financing","text":"Financing"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Why Choose an ING Straight Loan?"},{"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":"Draw a fixed amount for a predefined period to cover short-term financing needs.","title":"One-off financing"},{"body":"Options are available at the end of your loan term, subject to credit re-evaluation.","title":"Opportunity to extend"},{"body":"Keep your finances and budgeting predictable with full control over your repayment timeline.","title":"Predetermined amounts and payment terms"},{"body":"You can also opt for a line of credit facility that allows you to draw down funds for defined periods to cover recurrent needs, up to the assigned credit limit.","title":"Recurrent need"}]},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What is the ING Straight Loan?","richBody":{"value":"<p>It is a short-term loan with flexible borrowing options. You can choose a one-off loan of a specific amount of your choice (from a minimum of 125,000 euros) , with a predetermined term and fixed interest rate. In this case, you repay the loan and interest in one go on the maturity date. You can also opt for a line of credit facility that allows you to draw down funds for defined periods to cover recurrent needs, up to the assigned credit limit. These drawdown periods can be set for a minimum of 1 week to a maximum of 12 months.</p>"}},{"title":"What amount can I borrow and what are the repayment terms?","richBody":{"value":"<p>The amount of each drawdown, its term and the fixed interest rate are predetermined, and repayment is due on the maturity date. You choose the amount (from a minimum of 125,000 euros) and the term (from a minimum of 1 week to a maximum of 12 months) during which you draw down funds. The straight-loan term lasts a maximum of 12 months with the option to renew your contract. Early repayment is possible, but a prepayment penalty may apply, depending on your contract.</p>"}},{"title":"What are the fees?","richBody":{"value":"<p>You pay administration fees, which are based on the total  amount of the approved loan. You also pay, quarterly management fees and a commission calculated on the total loan amount. In addition to the interest rate, you pay charges for each drawdown, which are determined by the amount of funds drawn. In the event of early repayment, a prepayment penalty applies. </p>"}},{"title":"How do I manage my existing ING Straight Loan?","richBody":{"value":"<p>If you already have an approved ING Straight Loan you can manage your withdrawals yourself whenever it suits you best with Telelink Online. </p><p><a href=\"https://assets.ing.com/m/14a361c3328eb7cd/710265E_Onepager_ingbe.pdf\">How do you manage withdrawals using Telelink?  </a> </p>"}},{"title":"How can I apply for an ING Straight Loan?","richBody":{"value":"<p>Go to <a href=\"https://telelink.ing.be/login\">Telelink Online</a> or <a href=\"https://www.ing.be/en/business/financing/intake-form-business-credit-center?flow-step=interested-in-a-professional-loan-1\">apply via ING&apos; Business Credit Center form</a></p><p><a href=\"https://assets.ing.com/m/74a25621f18ee654/ING_VVT_EN.pdf\">Read the product fact sheet (PDF). </a></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>"}}]},{"componentType":"cards"}]}}}