Advantages
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.
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.
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.
Découvrez nos autres solutions e-PME
Ouvrir un compte en ligne
Tout simplement
Gérer vos opérations par e-banking
Fiable et performant
Encaisser
En mode digital
Simplifier votre comptabilité
En restant connecté
Learn more
Visit us
Come to one of
our branch offices
Call us
We’re available Monday to Friday,
from 8:00 am to 6:00 pm
Write to us
We'll get back to you
within one working day
You might also be interested in
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 all-in-one banking packs make it easier for small businesses and the self-employed to manage their finances.
Please read our website and email Terms and Conditions before using our website or contacting us by email.
Other legal information
© 2002-2022 Banque Cantonale Vaudoise, all rights reserved.
Disclaimer
The purpose of this website is to describe the activities of Banque Cantonale Vaudoise (BCV) within Switzerland. BCV’s intention is not to conduct activities outside Switzerland, and this website is aimed solely at individuals and entities domiciled in Switzerland. By clicking "I accept," you confirm that you are domiciled in Switzerland.
I accept