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.

Begin the application

Continue your application

Hypo-net [blanc]



24h sur 24

Apply online
whenever you want

Demander un emprunt

Request a credit facility of

at least CHF 20,000

with no collateral or guarantor

15 minutes

Get a personalized offer
for up to CHF 100,000
in just 15 minutes

Conseiller PME

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

Credit d'exploitation

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

Crédit d'équipement 1


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

Garantie bancaire Fonctionnement


1. Ausfüllen

Füllen Sie unser Formular aus und erhalten Sie umgehend einen Kreditentscheid.

10 Minuten


2. Auswählen

Wählen Sie das Finanzierungsmodell und die Amortisationsvariante aus, die Ihnen zusagen.

5 Minuten


3. Unterzeichnen

Unterzeichnen Sie Ihren Vertrag oder schliessen Sie den Prozess mithilfe unserer Spezialisten per Telefon, Video oder in einer Filiale ab.

1 bis 2 Gespräche

mit einer Beraterin / einem Berater

Découvrez nos autres solutions e-PME

En mode digital

Simplifier votre comptabilité
En restant connecté

Learn more

Visit us

Come to one of
our branch offices

Find your nearest branch

Call us

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

0844 228 228

Write to us

We'll get back to you
within one working day

Informationen anfragen

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.


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