Financing working capital Affordable, 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, as well as supply chain finance and factoring solutions. And of course we are happy to advise you on which instruments best meet your needs.

Financing with traditional business loans

A business loan can be used to secure liquidity in the value creation phase between buying and selling, finance goods or smooth out seasonal fluctuations. You can choose between business loans as an overdraft facility or a fixed advance.

Overdraft facility

Overdraft facility

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

Good to know:

  • Funds within the agreed credit limits are freely available at all times
  • Strengthens your position in rebate and discount negotiations

The UBS SME overdraft facility suits financing needs of up to CHF 300,000.

Fixed advance

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 credit needs
  • Options for interest-rate hedging upon request
  • No credit commission

The right financing for your company

 financing for your company

Apply online for an overdraft facility or leasing arrangement for your capital goods – it's quick and easy. We'll get back to you within 48 hours.


Financing with supply chain finance and factoring solutions

Make use of the financial potential in your business's purchasing and sales to increase your financial flexibility at the beginning and end of the value chain.

UBS Supply Chain Finance

UBS Supply Chain Finance

Add financial stability to your supply chain by offering your suppliers an attractive financing solution.

Good to know:

  • Strengthens relationships with suppliers
  • Optimal use of excess liquidity
  • Simplifies negotiations on supplier agreements
UBS Purchase Flex

UBS Purchase Flex

Instead of waiting for your money, you can sell your receivables to refinance your business.

Good to know:

  • Direct liquidity boost
  • Optimization of financial ratios
  • Strengthens your position in rebate and discount negotiations

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