Operating company with registered offices in Switzerland At least two completed financial years (full 12-month periods) Financing requirements of between CHF 20,000 and CHF 500,000 No associations, foundations and public sector entities

Currency: CHF and all major foreign currencies Loan interest rate: from 5.00% p. a.

UBS Instant Business Credit

Q: What is UBS Instant Business Credit?

The fast track to additional liquidity. With UBS Instant Business Credit, you can easily access a wide range of credit products up to a maximum of CHF 500,000. You can calculate the maximum credit limit yourself based on your details at www.ubs.com/instant-business-credit and then apply for the loan.

Q: How much will UBS Instant Business Credit cost me?

Setting up your UBS Instant Business Credit is free of charge. Interest and commissions only apply if you actually use a credit product.

Q: Why should I apply for UBS Instant Business Credit now rather than wait until I need it?

When payments are due or a new opportunity arises, we want to help you focus your time and energy on what matters most: your business. With UBS Instant Business Credit, you can react flexibly when things need to move quickly.

Q: After UBS Instant Business Credit has been set up, how is the credit check carried out?

We review and recalculate the amount and continuation of your loan every year. Our review is based on your financial statement. You must send this to us no later than four months after the end of the financial year.

Would you like more liquidity and to protect yourself against currency risk? Calculate your possible credit line easily online up to a maximum of CHF 500,000, and use the credit according to your needs.

Your benefits

Immediately

Calculate your possible credit line directly online.

Quickly

In the event of a positive credit decision, we will send you the agreement within two working days.

Versatile

Use the credit individually for the needs of your SME.

UBS Instant Business Credit information sheet

One credit, many options

More liquidity

Increase your financial leeway.

Corporate credit card

Manage your expenses easily and efficiently.

Currency hedging

Protect your profits and margins.

Import and export

Protect your international business operations.

Separate leasing contract: finance capital goods, for example.

Everything you need for the credit

Last and penultimate financial statement consisting of balance sheet, income statement and annex. If required by law, you need an audit report. If the financial statements are not audited, they must be legally signed. The reporting date of the last financial statement may not be more than 18 months in the past.
Note: an extract from the debt enforcement register that is not older than three months will simplify the approval process.

Requirements

Conditions

Apply for a credit now

Calculate your possible credit line
Apply online
Receive a credit decision within two working days

Go to credit calculator

FAQ

What is UBS Instant Business Credit?

What can I use UBS Instant Business Credit for?

You get an additional liquidity buffer that you can use for your ongoing business needs. Whether a customer misses a payment, a large order requires advance purchase of materials, or you need to hire additional staff for a while to meet demand, the extra liquidity is always available through your UBS Current Account. You can also use UBS Instant Business Credit for credit cards, bank guarantees, leasing and forward exchange transactions.

How much will UBS Instant Business Credit cost me?

Why should I apply for UBS Instant Business Credit now rather than wait until I need it?

How do I apply for UBS Instant Business Credit?

You apply for the loan at ubs.com/instant-business-credit. To apply, you enter nine key figures about your company, answer a few questions and upload your last two financial statements and an extract from the debt collection register.

The maximum credit line with the currently valid current account interest rate is calculated based on the key figures and information about your company’s creditworthiness (CRIF credit report). If the conditions for the credit are met, we’ll send you the credit agreement within two working days (if you are not a UBS client, we’ll contact you by phone).

After UBS Instant Business Credit has been set up, how is the credit check carried out?

Notes on the credit calculator for UBS Instant Business Credit

The result provided by the credit calculator is based on the information you provide as well as assumptions and recognized benchmarks. UBS assumes no responsibility for the accuracy and completeness of your information and the resulting calculation. All calculations are purely informative and non-binding. You are responsible for interpreting the results yourself. UBS accepts no liability whatsoever for any damages resulting from the use of or access to the credit calculator.

What can I use UBS Instant Business Credit for?

Ready for the next big opportunity

Your products are attracting growing interest, and your revenue and demand are steadily climbing. This is a welcome development but often means you’ll need additional operating resources. What to do?

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Protect your SME proactively against late payments

Even your most reliable customer may unexpectedly need to defer payment. The late payment of an invoice will impact the liquidity of your company.

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Respond quickly and flexibly to short-term staffing needs

Long-term business success is almost impossible without a good team, which is why it is all the more important that your staff are ideally set up to deal with unexpected situations.

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Ready to face any business obstacle

As an entrepreneur, you attach great value to accurate budget and resource planning. Even so, unforeseen events such as water damage in the warehouse or a sudden machine breakdown can mess up your planning. You now need to find alternative solutions to keep production and your business operations going – and fast.

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UBS Instant Business Credit