Loans Wide range of financing options for your company

We have the right loan to support your plans - whether you need short-term liquidity or to secure the long-term future of your company. We make sure that it's quick, easy and definite, so you receive the money and can concentrate fully on your business.

Business loans ensure flexibility and liquidity

Business loans let you secure your liquidity in the value creation phase between purchase and sale. They can also be used to pre-finance goods and offset seasonal fluctuations.

Overdraft facility

The UBS overdraft facility gives you an extra liquidity reserve, allowing you greater financial freedom and entrepreneurial flexibility.

Good to know:

  • Funds within the agreed credit limits are freely available at all times 
  • Your position is strengthened in rebate and discount negotiations

The UBS overdraft facility for SMEs is suitable for financing needs of up to CHF 500,000.

Fixed advance

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

Good to know:

  • Short-term capital and interest-rate commitment
  • Interest rates in line with money market developments
  • Tailored to meet specific credit needs
  • Options for interest-rate hedging on request
  • No credit commission

Investment loans support growth and expansion

Whether you want to acquire new production facilities, modernize your IT infrastructure, or expand your vehicle fleet, we’ll advise you on the best form of financing and offer individual solutions.

Libor loan

The UBS Libor loan offers flexible and attractive financing for your investments without a fixed timeframe. Particularly attractive if you expect interest rates to remain stable or fall.

Good to know:

  • Short-term capital and interest-rate commitment
  • Interest rates in line with money market developments
  • Amortization payments possible at any time at the end of the fixed-interest period, subject to the agreed notice period

What will happen if Libor isn't there anymore?

The determining of Libor as a reference interest rate for Libor loans is expected to be discontinued as of the end of 2021. The money market interest rate SARON (Swiss Average Rate Overnight) has been recommended as the new benchmark in Switzerland.

Read here what this means for credit use in the form of a UBS Libor loans.

Fixed-rate loan

For medium- and long-term financing of capital investment, we offer the UBS fixed-rate loan, with the capital amount, amortization, duration and interest rate set in advance. Particularly attractive if you expect interest rates to rise.

Good to know:

  • Long-term capital and interest-rate commitment
  • Clear calculation basis due to fixed rate of interest throughout the entire term
  • Option to fix the interest rate in advance
  • Amortization payments as set out in the loan agreement

Master credit limit increases financial leeway

By concluding a master credit limit, you agree to a fixed credit amount. You can flexibly access this amount to finance your current and non-current assets. Master credit limit for UBS Business Finance

Various forms of credit are available to you within the master credit limit. In this way you can freely define the financing structure of your company.

Good to know:

  • You can access freely available and structurable total financing at any time (master credit limit)
  • Resources within the agreed master credit limit are freely available

Alternatives to traditional credit

Leasing is an attractive, cost-effective option for stable long-term financing of mobile investment goods. You keep your business options open and can seize growth opportunities.

Hedging interest rate risks

When it comes to long-term financing, it makes sense to consider the risk of rising interest costs. We can show you how to choose the right products, or use interest rate derivatives to hedge against interest rate risks.

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