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

  • Funds granted as part of the agreed credit limits are available at any time

Fixed advance

  • Short-term capital and interest rate commitment
  • Interest rates in line with money market developments
  • Tailored to meet specific credit requirements

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

SME overdraft facility (up to CHF 500,000)

Fixed advance

Information sheet fixed advance

Overdraft facility for SMEs

  • Finance working capital up to CHF 500,000
  • Online applications in 15 minutes
  • You will only need the two most recent sets of annual financial statements

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

  • Financing that is closely tied to the money market
  • Short-term capital and interest rate commitment
  • Indefinite contract term
  • Automatic extension at no expense
  • Attractive interest rates with short-term fluctuations

Fixed-rate loans

  • Long-term capital and interest rate commitment
  • Clear basis for calculation thanks to an interest rate that remains unchanged throughout the whole term
  • Option to fix the interest rate in advance

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
Interest rate period: quarterly

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

Information on the compounded overnight interest rates

Fixed-rate loans

Information sheet fixed-rate loan

Additional information

With a UBS business finance credit limit, you agree on a fixed loan amount and have flexible access to the loan to finance your working capital and investment assets. You can choose from different forms of credit within the credit limits, thus allowing you to freely choose your company’s financing structure.

The calculation of Libor, which is used as the reference rate for Libor loans, is expected to be discontinued at the end of 2021. The National Working Group on Swiss Franc Reference Rates (NWG) recommended the money market rate SARON (Swiss Average Rate Overnight) as a new reference value for loans granted in Swiss francs. UBS is in close contact with working groups in the five Libor currency areas to coordinate an orderly transition to new reference interest rates in the corresponding currencies.

With UBS leasing you can finance your investments without tying up your capital. This includes, for example, commercial vehicles, production lines, medical devices, tools, printers and construction equipment.

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.