Unternehmensfinanzierung

SMEs in Switzerland have a variety of financing options at their disposal. The most common forms of financing are

• Equity: Equity is the most important source of financing for SMEs. This includes reserves, profits and owner contributions. Equity is a long-term and relatively inexpensive form of financing.
• Debt capital: Debt capital is another important source of financing for SMEs. This includes loans from banks, leasing and factoring. Debt capital is a short-term or medium-term form of financing that is linked to interest.
• Equity financing: Equity financing is a form of debt financing in which an investor acquires a stake in the Businesses. Equity financing is a long-term form of financing that is associated with a share in the profits and losses of the Businesses.
  

This depends on the individual needs and circumstances of the Businesses. Financing via investors is usually aimed at utilizing the investors' know-how and activating their network. Investors are generally compensated for this information. Banks generally assume a more favorable financing option, but this is often tied to collateral.

The exact requirements for a business loan application in Switzerland can vary depending on the lender, but the following documents are usually required: business plan/business plan, financial statements, credit check, financial projections, collateral and business bank statements.