Financing working capital

Flexible financing for your working capital

Every company has to be able to access liquidity at short notice at any time. We can support you with traditional business loans.

Overdraft facility

An overdraft facility gives you an extra liquidity reserve, allowing you to enjoy greater financial freedom and entrepreneurial flexibility.

Fixed advance

A fixed advance gives you an extra short-term liquidity reserve. The capital amount, term and interest rate are fixed, which makes financial planning easier.

Comparison of business loans

Business loan

Business loan

Overdraft facility

Overdraft facility

Fixed advance

Fixed advance

Business loan

Currency

Overdraft facility

In CHF and all commonly used currencies

Fixed advance

In CHF and all commonly used currencies

Business loan

Amount

Overdraft facility

From CHF 20,000

Fixed advance

Minimum on request

Business loan

Interest rate

Overdraft facility

Variable, interest rate on request

Fixed advance

Fixed for the entire term, interest rate on request

Business loan

Credit commission

Overdraft facility

0.25% per quarter, charged on the highest debit balance, maximum of 50% of the interest amount for the respective quarter, at least CHF 5

Fixed advance

None

Business loan

Term

Overdraft facility

Unlimited

Fixed advance

1–12 months

Business loan

Ordinary termination

Overdraft facility

At any time with immediate effect by either party

Fixed advance

Lapses upon expiry of the agreed fixed term without the need for notice of termination

Apply for a loan or leasing

Apply online for an overdraft facility or leasing arrangement for your capital goods – it's quick and easy.