{"id":19668,"date":"2022-11-08T10:18:29","date_gmt":"2022-11-08T10:18:29","guid":{"rendered":"https:\/\/www.factris.com\/?p=19668"},"modified":"2023-09-08T16:33:41","modified_gmt":"2023-09-08T16:33:41","slug":"what-is-a-line-of-credit","status":"publish","type":"post","link":"https:\/\/www.factris.com\/en\/news\/what-is-a-line-of-credit\/","title":{"rendered":"What is a line of credit?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;40px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;\/en\/news\/&#8221; button_text=&#8221;Back to the news page&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x23;||divi||400&#8243; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;47px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;1.4em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#000a54&#8243; header_2_font_size=&#8221;27px&#8221; header_2_line_height=&#8221;1.2em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#000a54&#8243; header_3_font_size=&#8221;23px&#8221; header_3_line_height=&#8221;35px&#8221; header_4_text_color=&#8221;#000a54&#8243; header_4_font_size=&#8221;21px&#8221; header_4_line_height=&#8221;29px&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<span>A line of credit is a well-known and widely used form of alternative financing for many businesses and companies. In many situations, a line of credit is a convenient way to create more financial leeway. Nevertheless, before applying for the credit, it is good to know all the advantages, but also the disadvantages, of the current account credit. After all, what exactly is the current account credit? How does it work, what does it cost, and are there alternatives? We cover it in this blog!<\/span><\/p>\n<h2 style=\"padding-top: 30px;\"><strong><span>What exactly is a line of credit?<\/span><\/strong><\/h2>\n<p><span>Simply put, with a line of credit, you get permission to go into the bank&#8217;s red. In agreement with the bank, the bank will assign you a limit within which you can deposit and withdraw money from your business bank account. This way, you provide yourself with more financial leeway in situations where this is necessary, and you ensure more flexibility.<\/span><\/p>\n<h2 style=\"padding-top: 30px;\"><strong><span>When is a line of credit attractive?<\/span><\/strong><\/h2>\n<p><span>Applying for a line of credit is an attractive option in various situations. Think, for instance, of companies that want to invest in new equipment, companies that depend on seasonal sales, as well as companies that have to deal with long payment terms from customers. In all these cases, a line of credit can be the financial injection needed to get through a financially challenging time.<\/span><span style=\"font-size: 18px;\">\u00a0<\/span><\/p>\n<p><span>When applying for a line of credit, consider the following situations:<\/span><\/p>\n<ul>\n<li><span> <\/span><span>Investments in the business<\/span><\/li>\n<li><span> <\/span><span>Purchasing inventory<\/span><\/li>\n<li><span> <\/span><span>Seasonal work<\/span><\/li>\n<li><span> <\/span><span>Outstanding invoices<\/span><\/li>\n<\/ul>\n<h2 style=\"padding-top: 30px;\"><strong><span>How does a line of credit work?<\/span><\/strong><\/h2>\n<p><span>Applying for a line of credit is possible with several banks. The credit will be linked to your business bank account. Before you can apply for your credit, the bank will check your business for a number of things:<\/span><\/p>\n<ul>\n<li><span> <\/span><span>Current annual figures <\/span><\/li>\n<li><span> <\/span><span>The amount of the desired loan.<\/span><\/li>\n<li><span> <\/span><span>The reason\/purpose of the application.<\/span><\/li>\n<li><span> <\/span><span>Any other current loans.<\/span><\/li>\n<\/ul>\n<p><span>When you apply for a line of credit, the bank will ask you to provide some form of security and guarantee. Generally, this is done in two different ways. First, it is possible to put up your business premises, debtors or stock as collateral. In addition, a personal guarantee is also possible, whereby you guarantee a certain amount with your private assets, savings or home.<\/span><\/p>\n<p><span>Once all preconditions have been approved by the bank, your overdraft application is a fact. From then on, the bank will reserve an amount agreed with you, which you can withdraw whenever you want. In a way, you decide when you will be (legally) in red. For many entrepreneurs, the current account credit is a convenient solution, but it is important to know the disadvantages and costs of the credit. After all, what does it actually cost?<\/span><\/p>\n<h2 style=\"padding-top: 30px;\"><strong><span>What does a line of credit cost?<\/span><\/strong><\/h2>\n<p><span>The cost of a line of credit consists of the interest you pay on the credit. This interest rate varies between banks and situations, and therefore depends on a number of things. Among others, the current financial situation of your company and the various guarantees you can present play a role in the amount of interest to be paid. Generally, the interest rate is between 4 and 10 per cent. What interest rate you should pay is determined individually. Is your company financially sound, and can you offer sufficient collateral? Then the interest rate will be closer to 4 per cent than the 10 per cent you will pay when you are in more dire financial straits.<\/span>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;\/en\/news\/&#8221; button_text=&#8221;Back to the news page&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x23;||divi||400&#8243; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#000A54&#8243; custom_padding=&#8221;20vh||20vh||true|false&#8221; global_module=&#8221;2087&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;2em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;46px&#8221; header_2_line_height=&#8221;2em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;25px&#8221; header_font_tablet=&#8221;&#8221; header_font_phone=&#8221;&#8221; header_font_last_edited=&#8221;on|desktop&#8221; header_line_height_tablet=&#8221;1.8em&#8221; header_line_height_phone=&#8221;1.4em&#8221; header_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;32px&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; header_3_font_tablet=&#8221;&#8221; header_3_font_phone=&#8221;&#8221; header_3_font_last_edited=&#8221;on|phone&#8221; header_3_line_height_tablet=&#8221;&#8221; header_3_line_height_phone=&#8221;1.8em&#8221; header_3_line_height_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Focus on telling your business story<\/h2>\n<h3 style=\"text-align: center;\">Trade your invoices for working capital by factoring<\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.factris.com\/en\/eligibility\/&#8221; button_text=&#8221;See if I qualify&#8221; button_alignment=&#8221;center&#8221; module_class=&#8221;btn-tertiary-2&#8243; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x24;||divi||400&#8243; button_icon_color=&#8221;#ffffff&#8221; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||20px|||&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;https:\/\/onboarding.factris.com\/en\/sign-up&#8221; button_text=&#8221;Finance my invoices&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; button_icon=&#8221;&#x24;||divi||400&#8243; button_icon_color=&#8221;#353540&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||18px|||&#8221; custom_padding=&#8221;10px|40px|10px|25px|true|false&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover_enabled=&#8221;on|hover&#8221; custom_padding__hover=&#8221;|50px|||true|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A line of credit is a well-known and widely used form of alternative financing for many businesses and companies. In many situations, a line of credit is a convenient way to create more financial leeway. Nevertheless, before applying for the credit, it is good to know all the advantages, but also the disadvantages, of the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19670,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"[et_pb_section fb_built=\"1\" _builder_version=\"4.16\" _module_preset=\"default\" custom_padding=\"40px|||||\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.16\" _module_preset=\"default\" max_width=\"700px\" custom_padding=\"2px||4px|||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_button button_url=\"\/en\/news\/\" button_text=\"Back to the news page\" module_class=\"btn-back\" _builder_version=\"4.16\" _module_preset=\"default\" custom_button=\"on\" button_text_color=\"#001194\" button_bg_color=\"rgba(0,0,0,0)\" button_font=\"||||on||||\" button_icon=\"#||divi||400\" button_icon_placement=\"left\" button_on_hover=\"off\" global_colors_info=\"{}\" button_text_color__hover_enabled=\"off|hover\" custom_padding__hover_enabled=\"off|desktop\" custom_padding__hover=\"|||59px|false|false\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\"4.17.4\" _module_preset=\"default\" max_width=\"700px\" custom_padding=\"47px|||||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.17.4\" _module_preset=\"default\" header_font_size=\"46px\" header_line_height=\"1.4em\" header_2_font=\"|700|||||||\" header_2_text_color=\"#000a54\" header_2_font_size=\"27px\" header_2_line_height=\"1.2em\" header_3_font=\"|700|||||||\" header_3_text_color=\"#000a54\" header_3_font_size=\"23px\" header_3_line_height=\"35px\" header_4_text_color=\"#000a54\" header_4_font_size=\"21px\" header_4_line_height=\"29px\" global_colors_info=\"{}\"]\n\nEen rekening courant krediet is voor veel bedrijven en ondernemingen een bekende en veelgebruikte vorm van <a href=\"\/nl\/nieuws\/alternatieve-financieringsvormen-voor-een-bedrijf\/\">alternatieve financiering<\/a>. In veel situaties is een rekening courant krediet een handige manier voor het cre\u00ebren van meer financi\u00eble armslag. Toch is het, voordat je het krediet aanvraagt, goed om alle voor-, maar ook de nadelen van het rekening courant te kennen. Want wat is het rekening courant krediet eigenlijk precies? Hoe werkt het, wat kost het en zijn er alternatieven? We behandelen het in deze blog!\n<h2 style=\"padding-top: 30px;\">Wat is rekening courant krediet precies?<\/h2>\nSimpel gezegd, krijg je met een rekening courant krediet toestemming om rood te staan bij de bank. In samenspraak met de bank, krijg je van de bank een limiet toebedeeld, waarbinnen je geld kunt storten en opnemen van jouw zakelijke bankrekening. Op deze manier verschaf je jezelf meer financi\u00eble ruimte in situaties waarin dit noodzakelijk is en zorg je voor meer flexibiliteit.\nWanneer is een rekening courant krediet aantrekkelijk?\nHet aanvragen van een rekening courant krediet is in verschillende situaties een aantrekkelijke optie. Denk bijvoorbeeld aan bedrijven die willen investeren in nieuwe apparatuur, bedrijven die afhankelijk zijn van seizoensgebonden verkoop, maar ook bedrijven die te maken hebben met de lange betaaltermijn van klanten. In al deze gevallen kan een rekening courant krediet d\u00e9 benodigde financi\u00eble injectie zijn om een financieel lastigere tijd goed door te kunnen komen.\n\nDenk bij het aanvragen van een rekening courant krediet aan de volgende situaties:\n\n\u25cf Investeringen in het bedrijf\n\u25cf Inkopen van voorraad\n\u25cf Seizoensgebonden werk\n\u25cf Openstaande facturen\n<h2 style=\"padding-top: 30px;\">Hoe werkt een rekening courant krediet?<\/h2>\nHet aanvragen van een rekening courant krediet is mogelijk bij verschillende banken. Het krediet wordt aan je zakelijke bankrekening gekoppeld. Voordat je je rekening courant krediet kunt aanvragen, checkt de bank jouw bedrijf op een aantal zaken:\n\n\u25cf Huidige jaarcijfers\n\u25cf De hoogte van de gewenste lening.\n\u25cf De reden\/het doel van de aanvraag.\n\u25cf Het al dan niet hebben van een negatieve BKR-registratie.\n\u25cf Eventuele andere lopende leningen.\n\nWanneer je een rekening courant krediet aanvraagt, zal de bank vragen om een bepaalde vorm van zekerheid en garantie in te bouwen. Over het algemeen wordt dit op twee verschillende manieren gedaan. Allereerst is het mogelijk om je bedrijfspand, debiteuren of voorraad als onderpand op te geven. Daarnaast is ook een persoonlijke borgstelling mogelijk, waarbij je met jouw priv\u00e9vermogen, spaargeld of woning voor een bepaald bedrag borg staat.\n\nAls alle randvoorwaarden door de bank zijn goedgekeurd, is de aanvraag van jouw rekening courant krediet een feit. Vanaf dat moment zal de bank een met jou afgesproken bedrag reserveren, dat jij kunt opnemen wanneer jij dit wil. In zekere zin bepaal jij hiermee dus zelf het moment dat jij (geoorloofd) rood komt te staan. Voor veel ondernemers is het rekening courant krediet een handige oplossing, maar het is belangrijk om ook de nadelen en de kosten van het krediet te kennen. Want wat kost het nou eigenlijk?\n<h2 style=\"padding-top: 30px;\">Wat kost een rekening courant krediet?<\/h2>\nDe kosten voor een rekening bestaan uit de rente die je over het krediet betaalt. Deze rente verschilt per bank en situatie en is dan ook van een aantal zaken afhankelijk. Zo spelen onder andere de huidige financi\u00eble situatie van jouw bedrijf en de verschillende garanties die je kunt overleggen een rol in de hoogte van de te betalen rente. Over het algemeen ligt de rente zo tussen de 4 en de 10 procent. Welk rentepercentage jij dient te betalen wordt individueel bepaald. Is jouw bedrijf financieel gezond en kun je voldoende zekerheden bieden? Dan zal de rente dichter bij de 4 procent liggen dan de 10 procent die je zal betalen wanneer je in financieel zwaarder weer verkeert.\n<h2 style=\"padding-top: 30px;\">De nadelen van een rekening courant krediet<\/h2>\nTot zover lijkt een rekening courant krediet louter voordelen met zich mee te brengen. Je kunt op een snelle manier geld lenen, bent flexibel in het opnemen van het door jou gewenste bedrag en kunt zo op een geoorloofde manier rood staan op jouw zakelijke bankrekening. Toch moet je ook rekening houden met de volgende nadelige kanten van het rekening courant krediet:\n\n\u25cf Er zit een maximum aan het krediet dat je krijgt.\n\u25cf De rente is relatief hoog.\n\u25cf De rente betaal je ook als je geen gebruikmaakt van je krediet.\n\u25cf Je kunt een BKR-registratie krijgen.\n\u25cf Je dient een bedrijfs- of priv\u00e9bezit als onderpand op te geven.\n\u25cf Je mag voor langere tijd achtereenvolgens rood staan.\n\u25cf Een bank kan het limiet - wanneer daar aanleiding toe is - altijd opzeggen.\n<h2 style=\"padding-top: 30px;\">Het alternatief voor het rekening courant krediet: factoring<\/h2>\nZoals gezegd, is het rekening courant krediet in veel gevallen een uitstekende vorm van alternatieve financiering, maar kleeft er toch ook een aantal nadelen aan het krediet. Ben jij als ondernemer op zoek naar een andere manier om korte termijn meer financi\u00eble ruimte binnen je bedrijf te cre\u00ebren? Dan is de <a href=\"\/nl\/factoring\/\">factoring<\/a> van Factris d\u00e9 oplossing waar jij naar op zoek bent. Factoring draait om het <a href=\"\/nl\/factuur-verkopen\/\">verkopen van facturen<\/a> aan een factor. Deze factor - in dit geval Factris - zorgt ervoor dat jij de waarde van de factuur binnen 24 uur op je rekening hebt staan! Dit brengt een aantal voordelen met zich mee. Allereerst ben je niet langer afhankelijk van de lange betaaltermijn van de klant, waardoor jij niet langer zit te wachten op het geld waar jij recht op hebt. Dit zorgt ervoor dat jij met jouw bedrijf binnen een zeer korte termijn genoeg financi\u00eble middelen tot je beschikking hebt om te investeren in machines, personeel, voorraden of andere bedrijfsmatige zaken. En het mooie is: met het verkopen van de factuur, zul je ook meteen het <a href=\"\/nl\/debiteurenbeheer-uitbesteden\/\">debiteurenbeheer uitbesteden<\/a> aan Factris. Over de financi\u00eble afhandeling met de klant hoef jij je dus geen zorgen te maken; wij zorgen ervoor dat het bedrag alsnog bij de klant wordt ge\u00efnd.\n\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\"4.16\" _module_preset=\"default\" max_width=\"700px\" custom_padding=\"2px||4px|||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_button button_url=\"\/nl\/nieuws\/\" button_text=\"Back to the news page\" module_class=\"btn-back\" _builder_version=\"4.16\" _module_preset=\"default\" custom_button=\"on\" button_text_color=\"#001194\" button_bg_color=\"rgba(0,0,0,0)\" button_font=\"||||on||||\" button_icon=\"#||divi||400\" button_icon_placement=\"left\" button_on_hover=\"off\" global_colors_info=\"{}\" button_text_color__hover_enabled=\"off|hover\" custom_padding__hover_enabled=\"off|desktop\" custom_padding__hover=\"|||59px|false|false\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.7.6\" _module_preset=\"default\" background_color=\"#000A54\" custom_padding=\"20vh||20vh||true|false\" global_module=\"2087\" saved_tabs=\"all\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.16\" _module_preset=\"default\" custom_padding=\"0px||0px||true|false\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.16\" _module_preset=\"default\" header_font=\"|700|||||||\" header_text_color=\"#ffffff\" header_font_size=\"46px\" header_line_height=\"2em\" header_2_font=\"|700|||||||\" header_2_text_color=\"#ffffff\" header_2_font_size=\"45px\" header_2_line_height=\"2em\" header_3_font=\"|700|||||||\" header_3_text_align=\"center\" header_3_text_color=\"#ffffff\" header_3_font_size=\"25px\" header_font_tablet=\"\" header_font_phone=\"\" header_font_last_edited=\"on|desktop\" header_line_height_tablet=\"1.8em\" header_line_height_phone=\"1.4em\" header_line_height_last_edited=\"on|phone\" header_2_font_size_tablet=\"\" header_2_font_size_phone=\"32px\" header_2_font_size_last_edited=\"on|phone\" header_3_font_tablet=\"\" header_3_font_phone=\"\" header_3_font_last_edited=\"on|phone\" header_3_line_height_tablet=\"\" header_3_line_height_phone=\"1.8em\" header_3_line_height_last_edited=\"on|phone\" global_colors_info=\"{}\"]\n<h2 style=\"text-align: center;\">Focus op de groei van uw bedrijf<\/h2>\n<h3 style=\"text-align: center;\">Zet uw onbetaalde facturen om in werkkapitaal<\/h3>\n[\/et_pb_text][et_pb_button button_url=\"\/nl\/geschiktheid\/\" button_text=\"Kijk of u in aanmerking komt\" button_alignment=\"center\" module_class=\"btn-tertiary-2\" _builder_version=\"4.16\" _module_preset=\"default\" custom_button=\"on\" button_text_color=\"#ffffff\" button_bg_color=\"rgba(0,0,0,0)\" button_font=\"||||on||||\" button_icon=\"$||divi||400\" button_icon_color=\"#ffffff\" button_on_hover=\"off\" custom_margin=\"||20px|||\" custom_padding=\"0px|0px|0px|0px|true|true\" global_colors_info=\"{}\"][\/et_pb_button][et_pb_button button_url=\"https:\/\/onboarding.factris.com\/nl\/sign-up\" button_text=\"Meteen beginnen\" button_alignment=\"center\" _builder_version=\"4.16\" _module_preset=\"default\" button_icon=\"$||divi||400\" button_icon_color=\"#353540\" button_on_hover=\"off\" custom_margin=\"||18px|||\" custom_padding=\"10px|40px|10px|25px|true|false\" global_colors_info=\"{}\" custom_padding__hover_enabled=\"on|hover\" custom_padding__hover=\"|50px|||true|false\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]","_et_gb_content_width":"","footnotes":""},"categories":[3],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v24.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Line of Credit: Advantages, disadvantages and alternatives - Factris<\/title>\n<meta name=\"description\" content=\"An overdraft is a well-known and widely used form of alternative financing for many businesses. 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