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SME Direct credit facilities

Our SME Direct credit facilities help small businesses obtain the financing they need.
To apply, you can use our online application (in French) or contact a BCV advisor.



Apply online
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.

More about Working capital loan

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.

More about BCV capital goods 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. 

More about Bank guarantees and surety bonds

1. Complete

The form to receive an agreement in principle immediately

10 minutes


The loan type and repayment conditions that work best for you

5 minutes


2. Choose

3. Sign

Your loan agreement or finalize it with a BCV advisor over the phone, by videoconference, or at a branch

1-2 meetings

With an advisor

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

You might also be interested in

Our other business loans

We offer a variety of business loans tailored to your specific needs, no matter where you are in the process of growing your business.

Our SME banking packs

Our all-in-one banking packs make it easier for small businesses and the self-employed to manage their finances.