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Working capital loan

A working capital loan is a credit limit on your current account, which you can use at any time without further approval.

Highlights

A working capital loan gives you easy access to funds, and there’s no withdrawal limit. The interest rate is variable, and it is calculated based on the amount you have drawn down, not the amount of the limit granted.
The terms of the credit limit will be tailored to your company’s financial situation. The interest rate will be lower if you provide a loan guarantee. We offer this facility in Swiss francs and other currencies.
You can combine your working capital loan with a fixed-term advance, which means that your credit limit is also available to you in the form of a fixed-term advance, which offers a more attractive, fixed interest rate.

Fees and conditions

	Fees and conditions
Minimum amount	CHF 20,000 (with or without regular loan payments)
Term	Unlimited
Interest rate	Variable Set in accordance with the company’s financial situation and any loan guarantee provided
Commission	Quarterly commission of 0.25% on the highest debit balance over the period
Currencies	Available in CHF and all other main currencies
Interest due	Quarterly

Credit Fee Schedule (250 Kb)

Learn more

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

0844 228 228

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Related services

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.

Fixed-term advance

This short-term loan has a fixed term and interest rate. It can be used to meet both cash-flow and capex needs.

Other legal information

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