Be wary if you get a phone call from someone claiming to be an IT support person. When making payments, be sure to check the payee's bank details and the amount. Your log-in details are confidential, never share them with anyone!

❮ Back

Fixed-term advance

A fixed-term advance is a business loan that offers a stable interest rate throughout the term of the loan. It can help your company meet its cash-flow and spending needs.

Highlights

  • The amount of the fixed-term advance is paid into your BCV current account. You can repay the loan in one go at the end of the term or roll it over.
  • The fixed interest rate is set in accordance with your financial situation and any loan guarantee provided. The frequency of interest payments will depend on the term of the loan.
  • When interest rates are low, a fixed-term advance may be a good option to finance certain expenses by your company.

Fees and conditions

 

Details

Minimum amount

  • CHF 200,000 (CHF 1,000,000 for a term of less than 3 months)

Term

  • 1-12 months

Interest rates

  • Fixed
  • Set individually based on your situation and any loan guarantee provided

Repayment

  • Not normally necessary during the term of the loan
  • Full amount repaid at the end of the term

Frequency of interest payments

  • Depends on the term of the loan

Learn more

Write to us

If you are a BCV client with BCV-net, we suggest you log in to BCV-net and contact us using the secure messaging service

Call us

We’re available Monday to Friday, from 8:00am to 6:00pm

 

 

Visit us

Come to one of our branch offices

Related services

Working capital loan

This loan is provided in the form of an overdraft line of credit, so you have the cash you need to run your company.


SME direct credit facility

This loan is provided in the form of an overdraft line of credit of between CHF 20,000 and CHF 100,000. It can be used to meet both cash-flow and capex needs.


BCV capital goods loan

The purpose of this loan is to purchase capital goods. Loan installments remain the same through the term of loan, which is set in accordance with the useful life of the equipment being financed.


BCV Corporate current account

With this current account, managing your cash flow is simple, efficient, and flexible.

 


BCV-net

Manage your transactions and view your accounts securely online.