{"id":8937,"date":"2014-05-20T07:44:37","date_gmt":"2014-05-20T07:44:37","guid":{"rendered":"https:\/\/multicredit.ch\/wp\/credit-commercial-quelles-solutions-en-suisse\/"},"modified":"2020-04-03T13:40:03","modified_gmt":"2020-04-03T13:40:03","slug":"credit-commercial-quelles-solutions-en-suisse","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/credit-commercial-quelles-solutions-en-suisse\/","title":{"rendered":"Commercial credit in Switzerland"},"content":{"rendered":"<p><!--:fr--><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_a_commercial_loan\"><\/span>Why a commercial loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It is not always easy to get a loan from banks as an independent. In fact, the list of documents required can often be an obstacle to get a commercial loan, especially if you need money urgently. Usually, commercial loans are demanded for:<\/p>\n<ul>\n<li>Finance investments<\/li>\n<li>Overcome a temporary lack of liquidity<\/li>\n<li>Buy a new function vehicle<\/li>\n<li>Expand, renovate or repair your local<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_possible_solutions\"><\/span>What are the possible solutions?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The type of loan will depend on the reason for the credit. The main types of business credit are:<\/p>\n<ul>\n<li><b>Business account credit<\/b>: it is a sum of money made available in a special bank account in which you can freely withdraw money till a certain limit.<\/li>\n<li><b>Investment loan<\/b>: proposed by some banks, this is an ideal solution for purchasing equipment.<\/li>\n<li><b>Cash advances<\/b>: it is a commercial short-term credit, usually less than one year for fixed-term advances.<\/li>\n<li><b>Personal commercial credit<\/b>: this solution consists in a personal loan used for your own business. With a personal credit, it is generally easier and faster to get a loan. Do not hesitate to consult our partner CreditLoan at <a href=\"http:\/\/creditloan.ch\/business-credit\" target=\"_blank\" rel=\"noopener\">this link<\/a> to know more about this business credit solution.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Personal_loan_or_business_credit\"><\/span>Personal loan or business credit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The solution of a commercial personal credit has certain advantages in terms of simplicity. If you own a small business such as a restaurant, a shop, and you need a sum of money not exceeding 150,000 Chf, a commercial credit in your name you will generally give you the following benefits:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Faster processing: receive an answer within 24 to 48h.<\/li>\n<li>Less paperwork: a personal loan will be easier to get.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Who_to_contact\"><\/span>Who to contact?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you are looking for a commercial loan, everything depends on the solution you prefer. For a loan made in the name of your company, you will need to contact a bank. But if you prefer an easier solution, do not hesitate to contact a loan broker like CreditLoan!<\/p>\n<p><!--:--><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You are managing a business and looking for a loan? Whether it is to invest for your business or to overcome a lack of liquidity, it is not always easy to find the right partner for a commercial credit. Discover our explanations.<\/p>\n","protected":false},"author":4,"featured_media":8933,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[258],"tags":[326,259],"class_list":["post-8937","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-en","tag-commercial-en","tag-credit-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8937","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=8937"}],"version-history":[{"count":1,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8937\/revisions"}],"predecessor-version":[{"id":8938,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8937\/revisions\/8938"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/8933"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=8937"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=8937"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=8937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}