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.


  • 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.
Avance terme fixe

Fees and conditions



Minimum amount

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


  • 1-12 months

Interest rates

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


  • 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

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