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Leasing, working capital or financing? We help your business to grow

Your business needs financing to grow efficiently. Our experts are here to help.

BIL offers you a variety of solutions to help you finance working capital, medium or long-term investments or property purchases.

At each strategic stage of your business's growth, your BIL Relationship Manager will help you find the best financing solution.

Leasing may also be an appropriate alternative to bank loans.

BIL works with its specialised leasing arm, BIL LEASE to meet your various financing needs.

Phone: +352 4590-5000

Working Capital

To optimise day-to-day cash management, BIL provides straightforward, flexible and adaptable solutions.

Your SME may need to finance its working capital in order to deal with cash shortfalls owing to the seasonal nature of your business or extended client payment times.

  • An overdraft facility is an authorised overdraft with a given ceiling and based on pre-agreed terms. Interest is only due from the point at which you call on your overdraft facility.
  • Do you need a loan to finance a project?

  • A bridging loan provides temporary financing for a project pending arrangement of a loan with a repayment plan.

Do you need to access financing quickly without waiting for your clients’ payments to be due?

  • Invoice factoring enables you to sell your client invoices before their due date so you can access cash quickly. You can check if you qualify directly online.

Contact your BIL relationship manager to arrange a credit solution suited to your needs.


Developing a business, fitting out premises or purchasing new equipment are projects which require the support of a first-rate banking partner.

BIL offers you a complete range of financing solutions to help you implement your projects.

The BIL investment loan is the recommended solution for all investment projects:

  • Acquiring a business.
  • Investing in property.
  • Investing in equipment, plant or other fittings.
  • Installing security systems.

A loan tailored to your situation:

  • Term of loan ranging from 5 to 15 years, based on the amortisation period of your investment.
  • Fixed or variable rate.

For investments that are eligible for Société Nationale de Crédit et d'Investissement (SNCI) loans, BIL handles the submission of your equipment financing application.


BIL helps you finance property purchases.

The BIL mortgage is the ideal solution for your projects involving the purchase, construction or conversion of business premises (retail premises, offices, factories, warehouses, etc.). For a 7-15 year term, the repayment schedule is determined based on the company's ability to repay and on the amortisation period for the assets financed.

Specific loan solutions have been developed by BIL for property development purposes.

Your Relationship Manager is at your service to review your project and make it happen.


BIL's leasing solution represents an attractive alternative to a traditional loan.

Leasing enables you to renew your professionally used movable capital equipment (IT systems, vehicles, telephone systems, etc.) thereby enhancing the presentation of your balance sheet without having to dip into shareholders' equity.

How leasing works:

You select your equipment and your supplier. BIL Lease purchases the equipment and leases it to you through a lease agreement for a predefined term based on a tax-deductible lease payment. Lease charges can be monthly, quarterly, half-yearly or annual. You have three options on expiry of the contract:

  • To purchase the equipment at the initially agreed residual value.
  • To extend the lease with a lower lease payment.
  • To return the equipment to BIL Lease and arrange an agreement for new equipment.

The benefits of leasing:

  • Goods fully financed by BIL Lease.
  • Fixed pre-agreed lease payments for the entire period of use of the asset.
  • Ease of replacement of used equipment.
  • Lightening the balance sheet: the equipment is not included in tangible assets, thereby reducing the company's apparent indebtedness.
  • Potential partial or full deduction of lease payments as operating expenses.
  • Ability to reclaim VAT (on lease payments).
  • Ability to benefit from government subsidies (tax rebates).

Your BIL Relationship Manager is your main point of contact to analyse your needs and advise you.

Government aid

SNCI loans represent an appropriate source of financing in addition to BIL mortgages.

BIL provides you with assistance in analysing and submitting the loan application:

  • The investment amount ranges from EUR 12,500 to EUR 2,500,000.
  • SNCI financing covers 25%-60% of this amount (75% in the case of a first application).
  • The term of the loan is from 5 to 10 years. This term is extended to 12 years if the property part of the investment exceeds 75%, or even 14 years in the case of a business start-up or similar operation.

Your Relationship Manager is your designated point of contact for analysing your application and submitting it to the SNCI.