Easily find the cheapest business loan for your needs and request a quote directly online. Compare Swiss business loans now
The data is updated regularly. Last updated: August 6, 2021.
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Three simple steps: How to use the business loan comparison.
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Select or create a profile for the business loan comparison.
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Compare Swiss business loans based on your business needs using the free and unbiased comparison. Cost comparisons are based on the minimum and maximum possible interest rates.
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Begin the application process for the business loan of your choice directly online.
You can easily find the best business loan for your needs using the unbiased business account comparison on moneyland.ch. Just select a profile and specify the kind of loan you need. The comparison will then show loans for which your business is eligible sorted by costs. You can then begin the application process for the loan of your choice directly online.
Why should I use the moneyland.ch business account comparison?
Swiss banks are somewhat conservative with regards to granting business loans. The unbiased loan comparison on moneyland.ch includes a number of non-bank lenders in addition to Swiss banks. The comparison also clearly shows the minimum and maximum annual interest costs of each business loan offer for your business profile.
Which criteria apply to business loans?
The moneyland.ch business loan comparison accounts for many different criteria, including:
Loan type
Loan amount
Loan term
Company type
Year of company founding
Financial turnover
Company profits
Depending on your business profile, you may not be eligible for some loan offers. These will not be shown in comparison results. Swiss lenders only provide loans to businesses which turn a profit.
Your company’s financial situation is also a key factor. Each lender has its own methods for judging the creditworthiness of business borrowers.
Are there Swiss business loans for non-Swiss companies?
Swiss lenders generally do not lend money to foreign companies. Most lenders only provide loans to companies which are domiciled and operate in Switzerland. Contact the lender directly to inquire about your specific case.
How much do business loans cost?
Important: The Swiss consumer credit law does not apply to business loans. This means lenders are free to set their own interest rates without limitations, and published interest rates are normally not effective interest rates and do not account for all costs.
Typically, the costs of Swiss business loans can be divided into two main categories: interest costs and administrative costs.
The business loan comparison on moneyland.ch accounts for both of these cost categories and compares offers based on total costs. Separate algorithms are used to calculate interest and fees based on criteria like the loan amount and loan term.
The highest and lowest possible interest rates are shown in the comparison. The exact interest rates your company can get depends on the lender, your company’s creditworthiness, and other criteria. Applying for a free quote from the lender of your choice is recommended because this is the only way to determine the exact interest rate which your business is eligible for.
Are there online-only business loans?
Yes. A number of Swiss non-bank lenders have launched loan offers which are only available via online channels. These companies do not have branch offices. Instead, the application and lending process if carried out via an online platform.
What kinds of loans can I compare?
You can compare different kinds of loans with the comparison. These include:
Equipment loans
Investment loans
Research loans
Liquidity loans
Growth loans
Debt refinancing
Succession financing
Acquisition financing
Which kinds of companies are included in the comparison?
You can use the Swiss business loan comparison to compare loans for these kinds of companies:
Sole proprietorship or self-employed individual
GmbH/Sàrl
Aktiengesellschaft (AG/SA)
General partnership
Limited partnership
Foundation
Cooperative
Simple partnership
Association
Are there also loans for sole proprietors?
Yes. Self-employed individuals can make use of either personal loans or business loans. In some cases, a personal loan may be more affordable and/or easier to obtain.
You can use the unbiased personal loan comparison to compare personal loans.
Does my business have to be profitable to obtain a business loan?
Many Swiss lenders only accept loan applications from businesses which are already profitable. These lenders do not grant loans to companies which have not made a profit or to companies which have debts. But there are also lenders which accept loan applications from companies which are not yet profitable, if your company’s business figures and creditworthiness justify this.
Can a startup get a business loan?
Startups are not normally eligible for business loans. Some Swiss lenders only accept loan applications from companies which already turn a profit. Additionally, many lenders only grant loans to companies which have been in operation for several years.
If you are looking for a business loan for your startup, you may have to consider alternative financing models (like crowdfunding) or find investors.
Which documents do I have to submit with a loan application?
You are normally required to submit annual financial statements (balance sheets and profit/loss statements) for past business years, and financial information for the current business year. Additional documents may be required by some lenders.
How long do I have to wait to receive a business loan?
Lenders typically accept or decline a loan application within several days of receiving all required documents. It can take several days from the time the application is accepted for the loan to be transferred.
Within what time frame does a business loan have to be repaid?
Not all business loans are amortizing. Some business loans are non-amortizing, meaning you do not have to repay the loan principal as long as you meet interest payments.
Amortizing loans must be amortized within the predetermined loan term. Possible loan terms vary between lenders and loans. Terms can be as short as several months or as long as 10 years.
How many loans can the same business service at the same time?
Minimum loan requirements often apply. Some lenders only offer business loans of 25,000 francs or more, while others only offer business loans of 100,000 francs or more.
Maximum loan amounts are generally determined on an individual basis as per the financial situation of your company.
Ultimately, the interest rate you receive will depend on the loan type, lender and your business's qualifications, among other factors. What is a good rate on a business loan? A good rate on a business loan can range from 6% to 17%.
Qualifying for a $100,000 business loan from a traditional lender usually requires excellent credit, several years in business, and high annual revenue. Alternative lenders can offer similar amounts with lower eligibility requirements and faster funding times.
The key steps and eligibility requirements to qualify for a business loan: Strong Credit History: Aim for a credit score above 680. Ensure no major financial red flags, such as bankruptcies or large unresolved debts.
Yes, it can be easier to get an LLC loan. Some lenders won't lend to sole proprietors. Establishing your business as a legal entity can make it easier to access financing and could even help lessen lender bias, as a recent study in the Journal of Marketing Research suggests.
Securing a traditional small business loan can be challenging, and depending on your situation, a bad credit business loan or alternative lending may be better options for securing capital for your business. Consider some of these alternatives to traditional business loans.
To qualify for an SBA loan, you'll generally need to have been in business for two or three years, have good or excellent credit, and have strong and stable revenue that will demonstrate your business' ability to service debt.
7(a) loans do not have a minimum loan amount and max out at $5 million. The SBA guarantees 85% of your loan if it's less than $150,000 and 75% if it's more than $150,000. However, it limits guarantees to $3.75 million. SBA loans aren't easy to qualify for.
Is it a good idea to get a loan to start a business? While getting a business loan for a startup is risky, many startups need a loan to get off the ground. You may choose to take out a business loan if you have a solid business plan and a product or service that's highly marketable to your target customers.
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