What to Look for in a Bank Term Sheet
What to check before signing: interest rate margin, covenant package, fees, and collateral — a plain checklist for Belgian SME owners.
Typical Loan Covenants for Belgian SMEs — Explained
The 13 financial and 12 operational covenants Belgian banks include in SME term sheets — what each one means, what's standard, and when to push back.
10 Red Flags in a Term Sheet
Not every term sheet is a fair offer. Here are 10 warning signs that your bank's proposal needs pushback.
How to Negotiate Better Loan Terms
The bank expects you to negotiate. Here's how to push back on margins, covenants, fees, and collateral — with tactics that work.
EURIBOR Explained
EURIBOR is on almost every Belgian variable-rate loan. Here's what it means, why the tenor matters, and what to check on your term sheet.
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