Loans
Financing opportunities for your company
Quick, uncomplicated and binding – we ensure that you can access your money and focus entirely on your business.
Business loans: for flexibility and liquidity
Business loans let you safeguard liquidity in the value creation phase between purchase and sale. You can also use them to pre-finance goods and offset seasonal fluctuations.
Overdraft facility
- Additional liquidity reserve
- Greater financial scope
- Greater flexibility
Fixed advance
- Temporary additional liquidity reserve
- Greater financial scope
- Facilitates quick response to market opportunities
Business loans | Business loans | Overdraft facility | Overdraft facility | Fixed advance | Fixed advance |
|---|---|---|---|---|---|
Business loans | Financing | Overdraft facility |
| Fixed advance |
|
Business loans | Currency | Overdraft facility | In CHF and all major foreign currencies | Fixed advance | In CHF and all major foreign currencies |
Business loans | Interest rate | Overdraft facility | Variable, interest rate on request | Fixed advance | Fixed for the entire term, interest rate on request |
Business loans | Credit commission | Overdraft facility | 0.25% per quarter, calculated on the highest debit balance, max 50% of the interest amount for the respective quarter, min CHF 5 | Fixed advance | None |
Business loans | Term | Overdraft facility | Unlimited | Fixed advance | 1–12 months |
Business loans | Ordinary termination | Overdraft facility | At any time with immediate effect by either party | Fixed advance | Forfeited upon expiry of the agreed fixed term without the need for any notice of termination |
Business loans | More information | Overdraft facility | Information sheet overdraft facility | Fixed advance |
Investment loans: for growth and expansion
Whether you want to acquire new production facilities, modernize IT infrastructure or expand your vehicle fleet – investment loans lay the foundation.
Floating rate loans
- Financing that is closely tied to the money market
- Short-term capital and interest rate commitment
- Indefinite contract term
- Automatic extension at no expense
Fixed-rate loans
- Long-term capital and interest rate commitment
- Secure expenditure planning thanks to a fixed rate of interest
- Option to fix the interest rate in advance
Investment loans | Investment loans | Floating rate loans | Floating rate loans | Fixed-rate loans | Fixed-rate loans |
|---|---|---|---|---|---|
Investment loans | Financing | Floating rate loans |
| Fixed-rate loans |
|
Investment loans | Currency | Floating rate loans | In CHF and all major foreign currencies | Fixed-rate loans | In CHF and all major foreign currencies |
Investment loans | Interest rate | Floating rate loans | Variable, fixed one day before the end of the interest rate period | Fixed-rate loans | Fixed for the entire term, interest rate on request |
Investment loans | Credit commission | Floating rate loans | None | Fixed-rate loans | None |
Investment loans | Term | Floating rate loans | Contract term: unlimited | Fixed-rate loans | 1–7 years, longer terms on request |
Investment loans | Ordinary termination | Floating rate loans | Termination notice period of 30 days for both contracting parties | Fixed-rate loans | Ordinary termination is forfeited upon expiration of the agreed fixed term without the need for any notice of termination |
Investment loans | More information | Floating rate loans | Information sheet floating rate loans | Fixed-rate loans |
Find suitable financing – together
- Comprehensive advice from experienced Corporate Clients advisors
- Digital solutions tailored to SMEs or large corporates
- Access to and support from our global network of experts
Our experts are here for you – we look forward to seeing you.
