Starting a business means making big decisions. Your financing shouldn’t be one of the difficult ones. Here’s a simple breakdown of the most common options and when they make sense:
"}},{"componentType":"actionAccordion","actionAccordionList":[{"title":{"value":"Business credit
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/9c7816b4-3aa6-4146-bd0a-9875486d8f7a/Products-Wallet_Outline","type":"image","width":32,"altTextEN":"bank account","altTextNL":"zichtrekening","altTextFR":"compte bancaire","original":"https://assets.ing.com/m/4475ca40a17254c7/original/Products-Wallet_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"A business credit helps you finance investments or cover temporary cash‑flow fluctuations. You get access to an agreed amount, which you repay under clear conditions. Useful when you want to start, grow, or bridge an unexpected expense, with structure and predictability.
"},"textLinks":[{"url":"/en/business/financing","text":"Check whether a business credit makes sense for you"}]}]},{"title":{"value":"Financial leasing
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/a7d6cbed-1598-4833-9544-de6d8e2f3a10/Transactions-Payment_Request_Euro_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6716bef44a00873b/original/Transactions-Payment_Request_Euro_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"With leasing, you can use a vehicle or machine without paying the full amount upfront. You spread the costs over fixed instalments, while keeping cash available for other needs of your business. Ideal if you want to invest without putting pressure on your budget.
"},"textLinks":[{"url":"/en/business/financing","text":"See whether financial leasing is right for you"}]}]},{"title":{"value":"Government guarantees & subsidies
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/9423bdb5-4dbe-4284-93a1-c4c39fca21a3/Social-Share_Android_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/bbf96fe7f92771e/original/Social-Share_Android_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Governments support starters through guarantees and subsidies that make it easier for banks to provide financing. By covering part of the risk, these measures can increase your chances — even if you don’t yet have a long track record. Often, this support can be combined with a loan or leasing solution, helping you turn your plans into reality faster.
"},"textLinks":[{"url":"/en/business/starters/subsidies-public","text":"Discover available support measures for starters"}]}]}]},{"componentType":"paragraph","title":"Not sure what you need yet? That’s completely normal. Let’s explore it together.","richBody":{"value":""},"textLinks":[{"url":"/en/business/starters/financial-management","text":"Learn how financing your business works"},{"url":"https://www.ing.be/en/business/financing/intake-form-business-credit-center?flow-step=interested-in-a-professional-loan-1","text":"See what financing you could qualify for"}]},{"componentType":"sectionTitle","title":"I need to understand my options"},{"componentType":"paragraph","title":"Find out what fits your situation","richBody":{"value":"Every startup is different so your financing should be too. Answer a few simple questions and get a personalised overview of options that match your business stage.
"}},{"componentType":"cta","textLink":{"url":"/en/business/financing/working-capital-and-liquidity-business-credit-finder","text":"Start my quick financing check"}},{"componentType":"promotionalBanner","icon":{"transformBaseUrl":"https://assets.ing.com/transform/14090052-7b83-4214-8c97-d8114de16c39/Circle-Present-11","type":"image","width":64,"original":"https://assets.ing.com/asset/14090052-7b83-4214-8c97-d8114de16c39/Circle-Present-11.svg","extension":"svg"},"body":"Just starting out? Enjoy","bodyBold":"discounts of up to €675 on leasing and credit","bodyThree":"when you get started with your financing today. That way, you keep more room to invest and grow from day one.","date":{"body":"Benefits exclusively for starters – conditions apply"},"textLink":{"url":"/en/business/starters/starterspackage-current-account","text":"Tell me more!"}},{"componentType":"sectionTitle","title":"I’m ready to apply"},{"componentType":"paragraph","title":"Apply with confidence","richBody":{"value":"When you’re ready to take the step, we make your application clear and predictable with a transparent timeline and specialists who guide you through every stage.
"}},{"componentType":"applicationProcess","steps":{"title":"How your application works","stepList":[{"title":"Start your request","body":"Tell us about your project and the amount you need."},{"title":"Upload your documents","body":"No guessing, we’ll tell you exactly what’s required."},{"title":"Assessment & decision","body":"Our specialists evaluate your request. Many applications receive a fast answer."},{"title":"Payout & next steps","body":"Once approved, the funds are made available and you can move forward right away."}]}},{"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 for financing"}},{"componentType":"sectionTitle","title":"I got financing, what’s next?"},{"componentType":"productFeatures","highlighted":false,"items":[{"body":"Access your repayment schedule any time and keep a clear view on upcoming payments — simple, predictable and always up‑to‑date.","title":"Follow your repayment plan easily"},{"body":"See your repayment schedule in one view, request changes when your plans evolve and track your cash flow and spot moments where flexibility helps.","title":"Stay on top of your financing"},{"body":"Whether you’re ready to invest again, expand, or hire, we help you explore what the next step could look like.","title":"Plan your future growth"}]},{"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":"Start your new financing application"}},{"componentType":"sectionTitle","title":"Co‑financing, investments & credits"},{"componentType":"paragraph","title":"Looking for additional support, guarantees or co‑financing?","richBody":{"value":"Here’s an overview of the main institutions that support Belgian entrepreneurs at different levels.
"}},{"componentType":"accordion","accordionList":[{"title":"European programs","richBody":{"value":"You’re building something important and every decision you take moves your business forward. We’re here with clear advice, fast decisions and financing solutions that grow with you.
"}},{"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":"Check your chances of getting funding"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Need security for your contract?","intro":"An ING bank guarantee strengthens your credibility from day one.","image":{"transformBaseUrl":"https://assets.ing.com/transform/dd383246-6e31-4525-8c50-cd5ed9485cda/handshake2nopadding","type":"image","width":128,"original":"https://assets.ing.com/asset/dd383246-6e31-4525-8c50-cd5ed9485cda/handshake2nopadding.svg","extension":"svg"},"link":{"url":"/en/business/financing/bank-guarantees-bank-guarantee"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"ING Invoice Manager","intro":"Your invoices and receipts in one place, easy to share with your accountant.","image":{"transformBaseUrl":"https://assets.ing.com/transform/7f3261f7-017b-4b74-8ad0-d45158351381/Mature-man-laughing-to-camera-in-his-workshop","type":"image","width":1920,"original":"https://assets.ing.com/m/3e9517f0620a2fea/original/Mature-man-laughing-to-camera-in-his-workshop.jpg","extension":"jpg"},"link":{"url":"/en/business/payments/invoicing-ing-invoice-manager"},"promoText":"New"}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal provisions"},{"componentType":"paragraph","richBody":{"value":"Terms & conditions ING Starters Package
** A registration link will be sent by Acerta via e-mail after the company has been registered. Contact the Acerta business desk for more information about this offer.
* The amount of 1,200 euros used in our communication to describe our offer is the total value of advantages a starter (all independents, liberal professional or companies founded in the last 18 months) could get when taking all the products that are mentioned in the ING Starters Package.
Offer starts as soon as the CBE number is known to ING. Until then, the package will be charged.
Our offers related to the ING starters package apply to any subscription to the related products or services between 01/01/2026 and 31/12/2026 inclusive (subject to acceptance by ING Belgium or, for insurance products, to acceptance by the involved insurance company and following mutual agreement) and are strictly limited to starters (self-employed and entrepreneurs with a company number since maximum 18 months). Each offer is limited to one discount per person for each product or service and cannot be combined with other benefits for the same product or service. The terms and conditions of the offers, the general terms and conditions of the various products and services, as well as their prices and related operations prices are available on ing.be/starters and in all ING branches.
For the professional account and the Mastercard Business you are entitled to a maximum of one year free of charges from the opening of the contract. The normal fees charged during the period in which we have not received your CBE number cannot be recovered. For example, if we receive your CBE number three months after opening the contract, you will be entitled to a maximum of nine months free of such charges. The amounts of normal charges are available at all ING branches or at ing.be/starters.
Home'Bank, Business'Bank and the ING Banking app are available to all Home'Bank, Business'Bank or ING Banking subscription holders (subject to acceptance by ING and mutual agreement). All relevant information, such as the Home'Bank, Business'Bank, (annexed to ING’s General Regulations), the General Terms and Conditions of the ING Banking app, transaction fees, is available on www.ing.be, at your ING branch and by telephone on 02 464 60 04.
ING Belgium NV/SA • Bank/Lender • Marnixlaan/Avenue Marnix 24, B-1000 Brussels • RLP Brussels • VAT: BE 0403.200.393 • BIC: BBRUBEBB • IBAN: BE45 3109 1560 2789 - www.ing.be - Contact us via ing.be/contact Insurance broker, registered with the FSMA under the number 0403.200.393
Offer subject to acceptance of your application by ING Belgium and to mutual agreement. The general credit conditions are available at all ING branches and on ing.be
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