OUR FINANCING SOLUTIONS

What do I need for a financing enquiry?

To make an initial assessment of an enquiry for an SME loan, creditworld needs your annual financial statements from the last two financial years and a description of your financing requirement or the purpose of the loan. You can start a financing enquiry here via the platform, e-mail or by phone.

How long does the process for getting SME financing take?

Once we have received the necessary documents, the credit assessment takes approx. 2 weeks. Depending on the loan amount, it then takes between a few days and 2 weeks for the loan to be paid out. The time to payout largely depends on the customer ability to provide further information quickly to reduce the process time. You should get in touch with creditworld in good time for any urgent financing requirements.

What makes creditworld different?

creditworld mainly stands out from other financing providers in terms of its institutional investor base and the volumes of financing we can provide. On the investor side, creditworld places financing either directly, with our own financing vehicles or directly with our large network of institutional investors (e.g. pension funds or family offices) and not with a large group of private investors (crowdfunding). Therefore, the borrower generally has just one financing partner or counter-party in the loan agreement. In terms of numbers, creditworld is able to grant comparably larger volumes of financing to SMEs. We use our own financing vehicles for volumes of up to 5.0 m, and our network for volumes of up to CHF 25.0 m. Please get in touch if you would like to find out more.

What are the costs associated with SME financing?

Next to the interest paid to the investor (depending on the rating of the company), creditworld charges additional fees for brokering and structuring the financing solution. However, these fees are generally only due if the financing is successful. The fees are borne by the Swiss SME applying for the loan and depend on the volume placed, the rating and the maturity. See our fee schedule. Please contact us if you have any questions regarding conditions.

What are the information obligations for the borrower?

Generally speaking, the borrower has to submit his annual financial statements throughout the term of the financing.

What volumes of financing can be covered?

creditworld can grant loans of CHF 100,000+ to Swiss SMEs, and is able to do so with a fast turnaround-time through our own financing vehicles. We can also finance loans of up to CHF 25m through our large network of Swiss institutional investors. Go to financing parameters

What is Direct Lending?

Direct Lending is a sub-category of private debt and describes an alternative form of financing and investment which is becoming more and more significant both in Switzerland and internationally. Unlike third-party financing via a bank, in direct lending the borrower and the lender/investor have a direct contractual relationship.