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.
Covenant intelligence
Every covenant type Belgian banks use, explained in plain language. Browse all 36.
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.
What Is the Margin on Your Belgian Business Loan?
The margin is the part of your interest rate the bank controls — and the part most borrowers never question. Here's what it is, how banks build it, and how to negotiate it down.
Total Cost Calculator
Calculate the true total cost of your loan — interest, fees, and hidden charges.
News & Analysis
Are Your Loan Covenants a Ticking Time Bomb?
1,795 Flemish companies went bankrupt in Q1 2026. Many repaid their loans on time. The problem was on page 7.
Belgian Banks Are Tightening SME Credit in 2026
Belgian banks tightened enterprise credit standards at a net 10% in Q1 2026 — the sharpest shift since Q3 2023. Here's what that means for the covenants and margins on the term sheet you're signing.
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