Up to now, you’ve sold your products to a limited number of customers. You had more than enough capacity for this. However, demand for your products has now increased throughout Switzerland, which is having a positive impact on sales growth.
The challenge: To cope with the new orders, you may need to increase your inventory, but you haven’t budgeted for this in the current financial year. However, you don’t want to miss out on this increased demand and need financial flexibility quickly to meet the need for more resources, such as a bigger warehouse.
In moments like this, UBS Instant Business Credit is the ideal solution. With UBS Instant Business Credit, you can easily obtain the business loan you need online in just a few steps.
With the uncomplicated and open-ended loan offer from UBS, you can increase your liquidity reserves and secure more commercial flexibility. If a lucrative opportunity arises, you can act immediately without assuming financial risks or going through a lengthy application process.
We make financing as simple as can be: If your company suddenly needs more liquidity than is available, you can draw on the business account up to the agreed credit limit.
You can make full use of the credit limit at any time. The accrued credit interest and credit commissions are calculated quarterly and charged to the UBS Current Account.
This frees you to focus on your business and inspire new customers to use your products and services.
Calculate your potential credit limit with our intuitive online calculator and then apply for a loan in a few easy steps. Here’s how:
Calculate your maximum credit line using our online calculator. To do this, enter nine key figures about your company and answer a few questions.- On the basis of the key figures and information about the creditworthiness of your company, a maximum credit limit is calculated with the applicable current account interest rate.
- Once the loan amount has been calculated, you can submit the loan application. To do this, upload the last two financial statements and the extract from the debt enforcement register.
- If the conditions for the loan are met, we will send you the loan agreement by post within two working days.
When incoming payments are not received on time, this affects your liquidity. Delayed payments can not only impact your ongoing business processes but also jeopardize the financial stability of your SME. Such moments highlight the importance of having flexible solutions for unexpected payment delays – for more business flexibility and financial security.
A simple option for this is a business loan such as UBS Instant Business Credit, which is available to your company on demand in precisely such challenging situations. For example, you can grant your customer a new payment period of 30 days and use UBS Instant Business Credit to bridge any gap that may have arisen during this time. And the best part? You have the freedom to focus on your core business instead of struggling with liquidity bottlenecks.
With UBS Instant Business Credit, you can continue your business operations safely. You can easily obtain the credit you need online.
If you opt for the open-ended UBS Instant Business Credit, the process is straightforward: If your SME suddenly needs more liquidity than is available, you can draw on the business account up to the agreed credit limit. You can make full use of the credit limit at any time. The accrued interest and loan commissions are calculated quarterly and charged to the UBS current account.
This allows you to overcome financial challenges such as late payments quickly and securely.
Most entrepreneurs have experienced sudden and unexpected staff shortages. This may be because several longstanding employees leave the company shortly before the start of a major project, because an employee is absent due to illness for an extended period or because a lucrative project ties up a lot of personnel at short notice. To implement your projects successfully, you need to find new staff.
Finding staff at short notice can be costly, but you shouldn’t do without them. Otherwise, you run the risk of spreading more work between fewer people, which could lead to dissatisfaction within the team. The temporary hiring of consultants, freelancers or temporary workers is vital to keeping your team’s satisfaction and productivity at a high level.
If you need to respond immediately to short-term staffing requirements without tapping into your existing liquidity, UBS Instant Business Credit is the product for you. This business loan gives your SME the financial flexibility it needs. And best of all? You can obtain it easily and quickly online.
UBS Instant Business Credit is especially straightforward thanks to its open-ended term. You can draw on your business account up to the agreed credit limit, which increases your financial flexibility. You can make full use of the credit limit at any time. The accrued interest and loan commissions are calculated quarterly and debited to the UBS Current Account.
UBS Instant Business Credit gives your SME the freedom to hire additional staff to ensure the success of your business in any situation.
Your financial plan anticipates healthy liquidity. However, some circumstances beyond the control of your SME can pose major challenges to your business planning. For example, if a prolonged power outage shuts down or even damages your machinery, you will not be able to maintain your usual production levels. This often results in unplanned expenses, which can pose a business risk to your company.
When confronted with an unexpected situation, you need to act quickly to avert short-term financial bottlenecks in time. A business loan offers you a simple solution. For example, you can have necessary repairs carried out without jeopardizing the liquidity of your SME.
With UBS Instant Business Credit, you’re ready to face any business obstacle. This business loan gives you the flexibility you need to react to unforeseen events.
UBS Instant Business Credit is an open-ended and uncomplicated business loan that you can easily obtain online. If your company needs more liquidity than is available, you can draw on the business account up to the agreed credit limit. You can make full use of the credit limit at any time. The accrued interest and loan commissions incurred are calculated quarterly and charged to the UBS current account.
This leaves you more time for other tasks, allowing you to focus fully on your company’s goals.
