whenever you want
Request a credit facility of
at least CHF 20,000
with no collateral or guarantor
Get a personalized offer
for up to CHF 100,000
in just 15 minutes
Make an appointment
with an advisor
at any time
Working-capital line of credit
SME Direct can take the form of a line of credit that provides your small business with the funds it needs to avoid a cash-flow crunch. The interest rate is variable and will be charged only on the amount of the credit facility that is actually used.
Capital equipment loan
If your small business needs to buy or upgrade its equipment, you can
take out an SME Direct fixed-rate loan. The minimum loan amount is 20,000
francs, and the term of the loan depends on the equipment’s depreciation
period. Your loan payments will be constant throughout the term of the loan.
Bank guarantees and surety bonds
Bank guarantees, surety bonds, and similar products are what are known as conditional commitments, which means that the bank will fulfill the guarantee only if certain conditions are met. These guarantees are a good way of assuring your contractual partners that you are reliable and financially stable without you having to tie up your funds upfront.