Financing growth: from bank loans to alternative investors
September 2025 - Sooner or later, every entrepreneur reaches a point where additional financing is needed. Whether it's expanding your product range, purchasing machinery or growing internationally, it's difficult to make the transition without capital. But how do you go about it in a smart way?
The traditional route: bank loans
Banks are often the first option that entrepreneurs consider. An investment loan or cash credit can finance your growth at a relatively predictable interest rate. The disadvantage is that banks often require substantial collateral and are cautious when it comes to young companies or risky projects.
Leasing and factoring
In addition to loans, there are financial products that support your liquidity. Leasing is an interesting option if you want to finance machinery or vehicles. Factoring can be a solution for faster access to cash, as you immediately sell your outstanding invoices to a financial partner.
Subsidies and government support
The government offers numerous subsidies in Flanders and Brussels, for example for innovation, digitisation or sustainability. Although the application procedures can sometimes be complex, they can significantly reduce your investment.
Alternative investors
1. Business angels
Private investors who contribute not only money, but also experience and a network. Particularly interesting for start-ups or growth companies.
2. Venture capital
Investment funds that provide capital in exchange for shares. They are willing to take risks, but expect rapid growth and returns.
3. Crowdfunding
An accessible way to raise capital from a broad audience. At the same time, you test market interest in your product or service.
What choice will you make?
· Consider your growth phase. An established SME with stable cash flow has different financing options than a young start-up.
· Decide how much control you want to retain. With external investors, you often give up some control.
· Think about your repayment capacity. A loan must be feasible without stifling your cash flow.
There are various ways to finance growth: from traditional bank loans to creative alternative options. The trick is to find the right mix that suits your ambitions, your risk profile and your corporate culture. By thinking carefully in advance and seeking advice, you can take the next step with a solid financial foundation.
