UBS Overdraft Facility for SME
For additional liquidity

The UBS overdraft facility for SME gives you access to an unsecured liquidity reserve of up to CHF 150,000 at an interest rate currently standing at 5.9% for drawings in CHF. This gives you greater financial leeway, safeguards your solvency and strengthens your position in discount and rebate negotiations.

Key benefits:

  • Free and flexible access
  • No term restrictions
  • Improved position in rebate and discount negotiations with suppliers

Requirements

  • Credit required on an unsecured basis of between CHF 20,000 and CHF 150,000
  • Your business is not part of a group of companies
  • No reservations on the part of the external auditors, if subject to mandatory audit
  • No debt enforcement proceedings
  • UBS is the main bank (payment transactions)

Here are the three steps to a credit offer.

Step 1: Fill out the credit application

Please fill out the form completely. It is easiest to do so electronically. Then print the application and sign with your legally valid company signature.

Step 2: Add attachments to the credit application

The following information must be submitted with the credit application. Only when these documents have been received will we be able to review your request.

Balance sheets/profit and loss account of the past three years

As a rule, we only grant commercial financing within the scope of financing potential based on cash flow. We use the cash flow as a basis to determine whether your company earns enough to pay interest on and repay the credit amount. To do so, we need the balance sheets and profit and loss accounts of the past three years.

Audit reports of the past three years

If your company is subject to a mandatory audit then we require the audit reports of the past three years. If your company is not subject to a mandatory audit, then your annual financial accounts and the associated documents must be signed by the persons entrusted with company management (in accordance with Swiss Code of Obligations 961). Please ensure that these signatures are on the documents. This will save you any delays caused if we need to obtain the signatures mandatory for the credit review after the documents have been submitted.

Current debt collection report (not older than three months)

A thorough credit check includes information on any debt collection proceedings. As a company listed in the Commercial Register, you can obtain these documents at the debt collection office of your legal domicile.

On the web:
https://www.e-service.admin.ch/eschkg/cms/navigation/Betreibung/99_index_html_de

Additional documents, if available

If available, please submit the following additional documents:

  • Budget/liquidity planning
  • Business plan/concept
  • Illustration of group organization (organizational charts, ownership structure)
  • Tax returns of the owner of the company (for the legal form "sole propriertorship")

The more we know about your company, the better we can advise you. Additional company documents (sales brochures, etc.) are also extremely helpful.
All your information will of course be treated in the strictest confidence.

Step 3: Send to UBS

Please send your completed and signed credit application together with any attached documents as a single package for review directly to UBS Client Managment SME.

We will contact you promptly upon receiving the complete documents in order to discuss a suitable solution for you in person.

Should you have any questions or if anything regarding the application is unclear, please do not hesitate to contact your client advisor or UBS Client Management SME.

UBS Overdraft Facility for SME product information sheet pdf, 461 KB