SME - creditworld AG

OUR FINANCING SOLUTIONS
TAILOR-MADE AND STRUCTURED

PERSONAL
ADVICE

creditworld provides personalized and independent advice to plan your SME financing, helping to ensure the best structure, execution and lending provider

TRANSPARENCY
AND FAIRNESS

creditworld provides support throughout the entire financing process and can provide loans of up to CHF 5.0m directly through our own products backed by Swiss institutional investors

STATE-OF-THE-ART
PROCESS

creditworld offers Swiss SME loans with attractive conditions and fair terms as well as mortgages for commercial real estate

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 lending products. 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

6 months to
5 years

Loan amount

Volumen

CHF 100’000 to
CHF 25’000’000

Repayment

Rückzahlung

Amortizing or
bullet

Collateralization

Besicherung

Secured or
unsecured

SME FINANCING SOLUTIONS

Working capital
financing

Fixed or variable rate loans with and without repayment plans

Suitable for short to medium-term financing of current assets

Apply

Growth
financing

Amortising fixed or variable rate loans with and without collateral

Suitable for financing a pre-defined investment or growth project

Apply

M&A
financing

Amortising fixed or variable rate loans with collateral

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

Suitable for supplementing or paying off existing financing

Apply

Apply for a loan

SME FINANCING PROCESS

REQUIRED DOCUMENTS AND NEXT STEPS

FINANCING REQUEST
- Get in touch with creditworld through the website or by e-mail
- Financial statements for the last two financial years
- Specification of the financing needs and the intended use
CREDIT SCREENING
- First indicative assessment of the financing project
- Discussion of your funding and our information needs
- Development of a financing solution
CREDIT-ASSESSMENT
- Executed by creditworld and the independent external rating partner Allianz Trade
- 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

Apply for a loan

FEES

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)	Closing costs	Fee per term year
		★★★★★	★★★★☆	★★★☆☆	★★☆☆☆	★☆☆☆☆
from 100’000	1.50%	0.60%	0.70%	0.90%	1.50%	1.95%
from 250’000	1.45%	0.55%	0.65%	0.85%	1.45%	1.90%
from 1’000’000	1.40%	0.45%	0.55%	0.75%	1.40%	1.85%
from 5’000’000	1.35%	0.35%	0.45%	0.70%	1.35%	1.80%

The fees, expressed as a percentage, are calculated based on the total credit amount brokered by creditworld. Example: for brokering an SME loan with a volume of CHF 500,000 and ★★★★☆ a one-time fee of CHF 7’250 and a running fee of CHF 3’250 is charged.

FURTHER QUESTIONS?

ANSWERS TO FREQUENTLY ASKED QUESTIONS FROM SMES

You can find a selection of FAQs asked 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 form.

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 mln, and our network for volumes of up to CHF 25.0 mln. 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.

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.

SME

Financing solutions
Fees

Investors

Investment solutions
Rating

Partner

Companies
Associations
Institutions

About us

Team
Blog
Jobs

Follow us