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Boost your customer experience with the KBC Energy Loan

More and more people invest in sustainable energy as a means of helping to combat climate change. They aim to protect the environment and reduce their energy bills. Green energy merchants can use the KBC Energy Loan to help their customers reach a decision. 

More information on the KBC Energy Loan can be found on the KBC website. 

KBC’s lending solutions instantly show customers the benefits of a low interest loan. They therefore realise that they can spread their investment over time, which makes it more likely they’ll make a purchase.

As a merchant, you can increase your sales by offering lending solutions. The direct availability of such a solution may also attract new customers who would otherwise not consider making a purchase. The quote, application and payment are all arranged at the same time thanks to digital processing. This genuinely simplifies the process of taking out the loan.

KBC as a reliable partner

KBC is a strong, reliable brand with an excellent reputation. It has received a string of awards for its products and services.

Merchant partners get a dedicated account manager, who monitors the partnership and keeps optimising the operations.

KBC also provides a user-friendly dashboard which you, as a merchant, can use to monitor the current status of the loans under application, giving you an up-to-date view at all times.  

If required, clients also get extensive support from KBC Live from 8 a.m. to 10 p.m. Monday to Friday and from 9 a.m. to 5 p.m. on Saturdays.

Who can offer the KBC Energy Loan? 

All providers of green energy technology solutions: 

  • Solar panels 
  • Electric charging stations 
  • Heat pumps 
  • ...

Two possible partnerships for offering a KBC Instalment Loan

If you want to offer a KBC Instalment Loan, you can choose from two types of contract with KBC, namely a referrer contract and a credit intermediary contract.

  1. You can act as a referrer, meaning that you simply refer customers to KBC for a loan. You can do this by giving your in-store customers flyers with a QR code. You can also integrate a KBC widget into your website that enables customers to run a simulation online and apply for and take out the KBC loan.
  2. You can act as a credit intermediary. Credit intermediaries have more commercial opportunities than referrers. For instance, you can advertise proactively and use all types of integration (QR codes on flyers, simulation widgets, the KBC Partner Hub, API integration).

How does this solution work?

As a merchant, you can offer the KBC Energy Loan in four ways:

 QR

1. If you act as a referrer or credit intermediary, you can hand out in-store flyers with a QR code.

Customers can scan that QR code to run a simulation and apply for the KBC loan online, either right away in the shop or later from home. This solution involves no additional costs or IT work.

  1. You give the flyer with the QR code to the in-store customer.
  2. The customer then scans the flyer's QR code.
  3. The customer simulates the loan's monthly instalments online.
  4. The customer can then apply for the loan and sign for it digitally.
  5. You and the customer sign the delivery document, which you then send by e-mail to KBC Live.
  6. KBC transfers the borrowed amount into your account and the customer starts paying back the loan.

    Register now

     

     Partner Hub

    2. If you act as a credit intermediary, you can arrange loans in-store with the KBC Partner Hub.  

    You can simulate the loan in this tool and either leave the application to your customer or sit down with them and register it together.

    1. KBC gives you access to the KBC Partner Hub by providing you with a personal username and password.
    2. You run a loan simulation in-store together with your customer. The customer then submits the application on their own or you and the customer enter all the data together before submitting the application. 
    3. KBC assesses the loan application. If the merchant submits an application, KBC Live checks the supporting documents, draws up the contract and ensures that it is signed by the customer.
    4. You and the customer sign the delivery document, which you then send by e-mail to KBC Live. KBC transfers the borrowed amount into your account and the customer starts paying back the loan.

      Register now

       

       Widget

      3. If you act as a referrer or credit intermediary, you can integrate a KBC simulation widget into your website.

      Online customers can use the widget to instantly calculate their monthly instalments based on the amount they want to borrow. KBC provides a ready-made widget that can be integrated with only a limited amount of IT work.

      1. The customer uses the KBC simulation widget on your website to calculate the loan’s monthly instalments based on the borrowed amount.
      2. The customer can apply for the loan and then sign for it digitally.
      3. You and the customer sign the delivery document, which you then send by e-mail to KBC Live.
      4. KBC transfers the borrowed amount into your account and the customer starts paying back the loan.

        Register now

         

         API

        4. If you act as a credit intermediary, you can integrate a KBC Loan API into your website.

        The API offers equivalent functionality to the simulation widget, but is presented as part of your own webstore, complete with its own look and feel.

        1. The customer uses your webstore’s fully integrated API to simulate the loan's monthly instalments based on the borrowed amount.
        2. The customer can apply for the loan and then sign for it digitally.
        3. You and the customer sign the delivery document, which you then send by e-mail to KBC Live.
        4. KBC transfers the borrowed amount into your account and the customer starts paying back the loan.

          Register now

           

          Free of charge

          KBC’s lending solutions can be used for free.  

          Contact us

          KBC partner requirements

          The selected partner signs a Partnership Agreement. This agreement describes the partnership's scope and operating model. Our FAQ section offers further details on the Partnership Agreement.

          If you act as a referrer, the only thing you need to do before getting started is sign a partnership agreement with KBC. 

          If you want to act as a credit intermediary, you need to register online with the Belgian Financial Services and Markets Authority (FSMA). If you sell loans to supplement your own products or services, the FSMA regards you as an  ‘agent in a supplementary capacity’. In order to sell loans in that capacity, you have to appoint one or more employees to the position of credit intermediary. This intermediary must fulfil a number of conditions, including following a training course and taking an exam. If you offer loans as a credit intermediary, you must also take out additional professional liability insurance. This covers any mistakes you might make during the loan registration process. More information on professional liability insurance can be found on the  KBC website.

          More information about our solutions

          Get started by getting in touch now. 

          Contact us

          KBC partners already using our solutions

          Integrations available

          Widget
          KBC Instalment loan widget

          KBC Instalment Loan Widget

          Mobility
          Housing
          Energy
          Other
          Loans

          KBC/CBC offers an easy, multi-purpose instalment loan that allows people to improve their home, buy a new car or go on a dream holiday without...

          QR code
          Installment loan QR

          KBC Instalment Loan QR

          Mobility
          Housing
          Energy
          Loans

          Merchants offering various products and services can offer a KBC Instalment Loan in-store and online to significantly improve their customer experience and sales.

          Follow these easy steps to get this integrated

          Activate your account

          You can now see the costs and benefits of all our APIs and use the sandbox of our public APIs.
          More info about the Sandbox
          Start using the Sandbox

          Register your company

          Give us your company details and we will help you to implement your integration.

          Activate your integration(s) and go-live

          You can activate your partner's integration(s) as soon as the partnership has been approved.

          About us

          KBC Open Banking & Insurance fosters innovation
          to take your business to the next level.

          Contact us

          Solution based questions : +32 2 4480 187 (on working days from 8 a.m. to 6 p.m.)

          Technical based questions : Contact