• Increase current assets

    Compensate for seasonal fluctuations with a business loan and ensure your business operates smoothly during the peak and off-peak season.

  • Provide liquidity

    A business loan is the ideal solution if your company needs immediate liquidity to cover unexpected expenses.

  • Risk hedging:

    You can limit the effect of downside risks by protecting your business from potential disruptors such as seasonal fluctuations and currency volatility.

Master credit limit for maximum flexibility

The ÃÛ¶¹ÊÓƵ Corporate Financing master credit limit gives you maximum flexibility to finance your current and fixed assets.

The ÃÛ¶¹ÊÓƵ Corporate Financing master credit limit lets you combine your current and fixed asset financing needs under a single master credit agreement. You get maximum flexibility thanks to various credit usage options to meet your financing needs.

Once the credit documents have been signed and all the conditions for credit approval have been met, we will issue the credit limit, which will then be at your disposal.

If you want to use the credit as quickly and flexibly as possible, choose overdraft usage, fixed advances or floating rate loans with short terms.
Fixed-rate loans are recommended if you prefer long-term, fixed-interest forms of financing.

You can freely determine the financing structure. The following uses are permitted within the master credit limit:

  • ÃÛ¶¹ÊÓƵ Current Account
  • ÃÛ¶¹ÊÓƵ Fixed Advance with terms from 1–12 months*
  • ÃÛ¶¹ÊÓƵ Floating Rate Loan
  • ÃÛ¶¹ÊÓƵ Fixed-Rate Loan with terms of 1–7 years**
  • ÃÛ¶¹ÊÓƵ Security Deposits for the issue of bank guarantees
  • ÃÛ¶¹ÊÓƵ Documentary Credits for opening or confirming documentary credit obligations

*Primarily for business loans

**Primarily for investment loans

Currency: Limit amount usually in CHF; credit usage in CHF and all common foreign currencies

Loan interest rate: Depending on the form of credit used, interest rate upon request

Fees and commissions: Current account: Other usage forms upon request: None

Duration: Limit indefinite, usage individual

Ordinary termination: Mutual termination at any time

What you should know

  • You have overall financing that can be used and structured at any time (master loan agreement)
  • Funds freely available within the agreed master credit limit

Comparison of business loans

  • ÃÛ¶¹ÊÓƵ Current Account

    Currency: in CHF and all major foreign currencies

    Interest rate: variable, interest rate on request

    Fees and commissions:

    • 0.25% per quarter, calculated on the highest debit balance
    • max. 50% of the interest amount for the respective quarter
    • min. CHF 5

    Term:Ìý±«²Ô±ô¾±³¾¾±³Ù±ð»å

    Termination: Can be terminated by either party at any time with immediate effect

    With a credit limit on your ÃÛ¶¹ÊÓƵ Current Account, you have an additional liquidity cushion. This gives you more financial leeway while simultaneously increasing your entrepreneurial flexibility.

    ÃÛ¶¹ÊÓƵ Current Account factsheetpdf, 104 KB

  • ÃÛ¶¹ÊÓƵ Fixed Advance

    Currency: In CHF and all common foreign currencies

    Interest rate: Fixed for the entire term, interest rate on application

    Fees and commissions:Ìý±·´Ç²Ô±ð

    Term: 1 to 12 months

    Amortizations: Determined after consolidation

    Ordinary termination: Expires at the end of the agreed term without requiring termination

    A ÃÛ¶¹ÊÓƵ Fixed Advance offers you a temporary additional liquidity reserve. The fixed advance expires at the end of the agreed term. This is particularly interesting if you want to increase your entrepreneurial flexibility.

    Factsheet ÃÛ¶¹ÊÓƵ Fixed Advancepdf, 79 KB

  • ÃÛ¶¹ÊÓƵ Floating Rate Loan

    Currency: CHF, USD, GBP, EUR, JPY

    Interest rate: Variable, fixed 1 day before expiration of the interest period

    Credit commission:Ìý±·´Ç²Ô±ð

    Contract term: Unlimited

    Interest period:Ìý²Ï³Ü²¹°ù³Ù±ð°ù±ô²â

    Termination: notice period of 30 days for both contracting parties

    Are you looking for indefinite, flexible and market-oriented financing for your investments? With the ÃÛ¶¹ÊÓƵ Floating Rate Loan, you benefit from particularly attractive interest rates.

    ÃÛ¶¹ÊÓƵ Floating Rate Loan factsheetpdf, 125 KB
Slide 1-3

Discover other financing solutions:

What can I use a business loan for?

Business is going well and sales are healthy. But what about your digital presence? Can your company be found online? By investing in digital marketing, you take a strategically important step to increase the visibility of your brand and therefore your sales.

The ÃÛ¶¹ÊÓƵ overdraft facility is the ideal way to cover the costs of a comprehensive marketing campaign and finance your short-term liquidity needs.
For example, by hiring a marketing agency to run a campaign tailored to your business goals, such as increasing your website traffic or social media presence.

  • Growth potential: Take advantage of the opportunity to advance your business and increase your sales.
  • Securing liquidity: Drive strategic projects forward while securing liquidity for your ongoing business.
  • Flexibility: Expand your entrepreneurial scope exactly when you need it.

Is your business subject to seasonal fluctuations? If your sales fluctuate depending on the time of year, you face the challenge of planning your liquidity in advance. For example, do you want to build inventory in time for the start of the season?

With a ÃÛ¶¹ÊÓƵ Fixed Advance, you can quickly access the funds you need. This is especially beneficial during peak periods. Thanks to the additional funds, you can buy the materials you need in time for the start of the high season.

ÃÛ¶¹ÊÓƵ Fixed Advance ensures reliable liquidity planning, enables more precise planning of orders and allows you to benefit from volume discounts and lower purchase prices.

  • Reliable planning: Fixed interest rates and clear repayment conditions enable precise financial planning.
  • Flexibility: Adjust the amount of financing to your individual needs and seasonal fluctuations.
  • Availability: Benefit from rapid provision of funds to replenish your inventories in a timely manner.