Business loan

Business loan

If you are an SME, self-employed or work in a liberal profession, the business loan allows you to finance your investments or secure your working capital. Benefit from a discount of 0.25% on all online applications

A quick decision with attractive terms
Little paperwork and a streamlined process
Stable funding and a fixed rate for the whole period
The ability to combine various options from CHF 20,000 to CHF 150,000 over 3 to 5 years

The essentials

REASON FOR FUNDING Description Conditions
Working capital  requirement


Financing current assets

Financing fixed assets
  • From CHF 20,000 to CHF 150,000
  • Fixed rates over the period
    • 3 years: 4.20%
    • 4 years: 4.30%
    • 5 years: 4.40%
    Benefit from a discount of 0.25% on all online applications
  • Period: 3, 4 and 5 years
With instalments
  • Instalments: payable quarterly, by standing order
  • Period: 3, 4 and 5 years
Without instalments
Period: 3, 4 and 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.

Frequent questions

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.
  • Self-employed workers
  • Independent professionals
  • SMEs
Companies and liberal professions must have been in business for a year.
Business loans can be used to finance both investments and working capital requirements between CHF 20,000 and CHF 150,000.
For higher amounts: See the other "commercial loans" offered by BCGE
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.
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.
These are fixed assets with a long life span, such as manufacturing tools, IT, commercial premises or vehicles.
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)
  • With or without instalment
  • In principle, business loans are repayable in instalments
This will be established with your BCGE 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
  • If the business is a limited company (SA) or limited liability company (Sàrl), 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
In the event of the death of the manager(s) of a company, this insurance secures the succession without penalising close relatives.
A loan can be terminated early, either totally or partially, depending on certain conditions and entailing compensation and expenses.