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.
Comparison of business loans
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 20,000 | 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 |
