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.

SME Dispo Facility

The SME Dispo Facility gives you an additional liquidity reserve up to a maximum of CHF 20,000, Increasing your room for maneuver and ensuring you stay solvent.

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

SME Dispo Facility

SME Dispo Facility

Overdraft facility

Overdraft facility

Fixed advance

Fixed advance

Business loan

Currency

SME Dispo Facility

In CHF, USD and EUR

Overdraft facility

In CHF and all commonly used currencies

Fixed advance

In CHF and all commonly used currencies

Business loan

Amount

SME Dispo Facility

CHF 5,000 to max. CHF 20,000

Overdraft facility

From CHF 500,000

Fixed advance

Minimum on request

Business loan

Interest rate

SME Dispo Facility

CHF: loan interest rate of 6.9% p.a. USD and EUR: loan interest rate on request (adjustments to market conditions possible)

Overdraft facility

Variable, interest rate on request

Fixed advance

Fixed for the entire term, interest rate on request

Business loan

Fees

SME Dispo Facility

One-time arrangement fee of CHF 100 after taking out the loan and a loan fee of CHF 50 per quarter

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

SME Dispo Facility

Indefinite

Overdraft facility

Unlimited

Fixed advance

1–12 months

Business loan

Ordinary termination

SME Dispo Facility

Can be terminated at any time by either party with immediate effect

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 arrangement

Apply online for a business loan or leasing arrangement for your capital goods – it’s quick and easy.