OUR FINANCING SOLUTIONS

TAILOR-MADE AND STRUCTURED

PERSONAL ADVICE

TRANSPARENCY AND FAIRNESS

STATE-OF-THE-ART PROCESS

As a direct lender, creditworld connects Swiss SMEs and investors. Consequently, we can offer tailor-made financing solutions for Swiss SMEs, and at the same time enable investors to invest in the backbone of the Swiss economy. We are able to grant business loans of CHF 100,000+ quickly and easily through our own financing vehicles. For larger SME financing projects, we rely on a large network of professional investors, through which we can process business loans of up to CHF 25 m.

FINANCING PARAMETERS

Term

Laufzeit einer KMU Finanzierung

1 to

10 years

Loan amount

Finanzierungslösung Volumen

CHF 100'000 to

CHF 25'000'000

Repayment

Amortisation / Rückzahlungsplan eines KMU Kredit

Amortizing or

bullet

Collateralization

Besicherung einer KMU Finanzierung

Secured or 

unsecured

SME FINANCING SOLUTIONS

Working capital financing

Fixed or variable rate loans with and without repayment plans

Benefits & suitability

Suitable for short to medium-term financing of current assets
Apply

Growth
financing

Amortising fixed or variable rate loans with and without collateral

Benefits & suitability

Suitable for financing a pre-defined investment or growth project
Apply

M&A
financing

Amortising fixed or variable rate loans with collateral

Benefits & suitability

Suitable for financing a corporate takeover (e.g. as part of a succession solution)
Apply

Mortgages for SMEs

First or subordinated mortgages for commercial properties

Benefits & suitability

Suitable for supplementing or paying off existing financing
Apply

SME FINANCING PROCESS

REQUIRED DOCUMENTS AND NEXT STEPS
FINANCING REQUEST

  • Contact us through our platform, email us
  • Financial statements for the last two financial years
  • Specification of the financing needs and the intended use
after 24h
Credit Screening

  • First indicative assessment of the financing project
  • Discussion of your funding and our information needs
  • Development of a financing solution
Credit-Assessment

  • Through creditworld and independent external rating partner Euler Hermes
  • Determination of the financing structure and the conditions
Execution

  • Placement of the financing with our own financing vehicles or directly with suitable institutional investors
  • Signing the loan agreement including any collateral agreements
  • Payout of the loan
TRANSPARENT AND FAIR

As a general rule, fees are only due once an SME loan has been successfully financed. In the event of complex transactions, the structuring process may incur fees which are agreed upon individually beforehand. The fees are borne by the SME applying for the loan and predominantly depend on the volume placed, the rating and the maturity according to the indicative figures in the table below. Special situations which deviate from standard financing structures in terms of leverage, equity coverage ratio, subordination, complexity, placeability etc. are agreed upon individually.

loan amount (in CHF) one time fee (upon payout) laufende Gebühr p.a., bezüglich der ausstehenden Kreditsumme
from 100'000 1.25% 0.50% 0.60% 0.85% 1.50% 1.95%
from 250'000 1.20% 0.45% 0.55% 0.80% 1.45% 1.90%
from 1'000'000 1.00% 0.40% 0.50% 0.75% 1.40% 1.85%
from 5'000'000 0.95% 0.35% 0.45% 0.70% 1.35% 1.80%

The one time fee is calculated as a percentage of the total funded loan amount. The running fees are calculated as a percentage of the outstanding notional amount annually. Example: for brokering an SME loan with a volume of CHF 1,000,000, a ★★★★✩ rating and a repayment of CHF 500,000 after one year, a one-time fee of CHF 10,000 is charged upon payout of the loan, with running fees of CHF 5,000 in the first year and CHF 2,500 in the second.

FURTHER QUESTIONS?

ANSWERS TO FREQUENTLY ASKED QUESTIONS FROM SMEs

You can find a selection of FAQs asked by SMEs here, whilst further answers can be found in our T&C. Please do not hesitate to contact us directly regarding your specific financing situation using our contact details.

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