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Business loan

NISEBK business loan:
funding for entrepreneurs

Whether you're self-employed, an SME or an independent professional, our business loans let you fund your investments or secure working capital.

Advantageous

Simple

Secure

Flexible

A quick decision with attractive terms

With little paperwork and a streamlined process

Stable funding and a fixed rate for the whole period

With the ability to combine various options from
CHF 20,000 to CHF 150,000 over 3 to 5 years

Consult out
the basics

Find out
the benefits

Calculate your
business loan

FAQ

Reason for funding

Description

Conditions

Working capital
requirement

Investments

Financing current assets

Financing fixed assets

From CHF 20,000 to CHF 150,000
Fixed rates over the period
- 3 years: 3.75%
- 4 years: 3.85%
- 5 years: 3.95%
Period: 3, 4 and 5 years

Form

	Definition	Conditions
With instalments		Instalments: payable quarterly, by standing order Period: 3, 4 et 5 years
Without instalment		Period: 3, 4 et 5 years
With and without instalment		You can combine the two options above under several business loan contracts within the total loan envelope of CHF 150,000.

�As part of my business, I had to invest in equipment to carry out new construction work. My SME adviser at NISEBK very quickly pointed me towards a Business Loan solution. I soon received the CHF 50,000 my company needed at a very attractive rate below 4%. This way I can control my budget because the rate is fixed for the whole loan period, which is important to me, and what's more, with this solution guaranteed by an pure risk insurance, my loved ones are protected against the financial consequences of the loan in the event of death�

Benefits of the business loan compared to standard loans

Quick decision with attractive conditions
A loan repaid on maturity or in instalments over a 3 to 5-year period, depending on the type of loan and on the business
Various options can be combined from
CHF 20,000 up to CHF 150,000
A fixed rate for the whole period
No quarterly commissions or renewal fees

Calculate your NISEBK business loan

Start the simulation

Contact us

Page contact

Frequent questions

What is a business loan?

Answer
A loan that can be quickly agreed with attractive terms for an amount from CHF 20,000 to CHF 150,000. Depending on the type of loan and on your business, your loan can be repaid over 3 to 5 years or, in some cases, at the end of the period.

Who is a business loan for?

Answer

Self-employed workers
Independent professionals
SMEs

For how long must the company have been in business ?

Answer
Companies and liberal professions must have been in business for a year.

What are the minimum and/or maximum amounts of a business loan?

Answer
Business loans can be used to finance both investments and working capital requirements between CHF 20,000 and CHF 150,000.

What if my funding needs are greater than CHF 150,000?

Answer
For higher amounts: See the other "commercial loans" offered by NISEBK

What period should I choose?

Answer
There must be some consistency between the loan period and the economic life of the asset being financed. For example, the bank lends to your business to purchase machinery that will be used for 5 years. The loan granted must be repaid over this same period to avoid having a liability on the balance sheet for an asset that no longer exists, and to put the company in a financial situation where it can apply for another loan for a further investment.

What are working capital requirements (WCR)?

Answer
This is the difference between the outgoing and incoming payments for your business, for example in the event of an increase in turnover (stock) or changes to the payment deadlines.

What is an investment requirement?

Answer
These are fixed assets with a long life span, such as manufacturing tools, IT, commercial premises or vehicles.

What documents do I need to apply for a business loan?

Answer
The documents to send to us are:

Last signed balance sheet(s) and profit & loss accounts audited according to the rules of the Code of Obligations.
Latest private tax return of the self-employment worker or joint debtor(s)
Official ID(s) of the company's legal representative(s) (passport, identity card, residence permit)

What are the instalment options?

Answer

With or without instalment
In principle, business loans are repayable in instalments

This will be established with your NISEBK adviser, depending on the period, loan type and your business

You can combine the two options under several business loan contracts within the total loan envelope of
CHF 150,000.
If with instalments: payable quarterly, by standing order

What guarantees are required in principle?

Answer

If the business is a limited company (SA) or limited liability company (S�rl), the manager(s) will act as joint and several debtor(s)
General assignment of debtors
Pure risk insurance

Depending on your file, other conditions may be required

Why is pure risk insurance required?

Answer
In the event of the death of the manager(s) of a company, this insurance secures the succession without penalising close relatives.

Can a business loan be terminated before the end of the period?

Answer
A loan can be terminated early, either totally or partially, depending on certain conditions and entailing compensation and expenses.

Do you need further information on corporate financing?

Answer
Here's NISEBK's philosophy on business financing: "Business financing: the NISEBK doctrine of commitment"