Financing for Swiss SMEs: credit and loans - what are the differences?
SME loan
For many small and medium-sized enterprises (SMEs) in Switzerland, access to capital is crucial in order to secure growth, maintain liquidity or finance new projects. The terms credit and loan are often used interchangeably in the financial world, but there are some differences that are worth mentioning:
A loan is a general term that refers to the provision of money by a bank or other financial service provider to a borrower, with repayment taking place at a later date. A loan is a specific form of credit where a certain amount of money is made available for a fixed period of time at an agreed interest rate.
At Kamuno, we speak of an SME loan with a flexible credit line. Individual loan withdrawals can then be made within the credit line.
The main differences between the credit and the loan are the intended use, the repayment modalities and the interest rate.
Intended use: Loans can be used for various purposes, such as buying a car, a property or to finance education. A loan, on the other hand, is often granted for specific purposes, such as a building or student loan.
Repayment terms: With loans, repayment terms can be more flexible, whereas loans usually have fixed repayment schedules with set installments and terms.
Interest rates: Interest rates can be variable or fixed for loans, while loans are often linked to a fixed interest rate that remains the same for the entire term. Both forms of financing offer advantages - it depends on the company's requirements as to which solution is more suitable.
How does Kamuno's SME loan work?
The SME loan works in a similar way to a financial buffer on demand. After a positive assessment, a credit line is granted in the agreed amount. Within this framework, the company can make loan withdrawals at any time - exactly when it needs the capital.
Example:
An SME receives a credit line of CHF 100,000, of which it uses CHF 50,000. Interest only accrues on this amount. If it draws down another CHF 30,000 at a later date, for example, interest is again only charged on this amount. If the amount is repaid, the credit line is again available in full.
Typical applications:
- Bridging liquidity bottlenecks
- Financing of goods or operating resources
- Expansion and growth
- Investment in new projects or technologies
Kamuno: The digital way to your SME loan
Kamuno has set itself the task of making access to SME loans easier. With a digital platform and a transparent framework loan model, companies in Switzerland get exactly the flexibility they need. And without the paperwork and long waiting times of traditional providers.
The advantages of Kamuno at a glance:
✅ Fast credit check - your application will be checked within a few minutes.
✅ Individual credit lines - Customize your financing exactly to your needs.
✅ Flexible loan withdrawal - Withdraw the amount you need at any time within the approved credit limit.
✅ No hidden fees - Clearly calculable costs, maximum transparency.
✅ Uncomplicated repayment - Repayment possible at any time, interest only on the amount used.
Who can apply for an SME loan from Kamuno?
Kamuno is aimed at Swiss SMEs from all sectors. The prerequisite is that the company has been active for at least 12 months and has an annual turnover of at least CHF 100,000. The credit check is carried out digitally and quickly, without long waiting times.
Conclusion: More freedom with the Kamuno SME loan
Whether you need short-term liquidity or are planning long-term investments - an SME loan from Kamuno gives you the financial flexibility you need. The uncomplicated processing, fast availability and fair conditions make Kamuno an ideal partner for Swiss companies.
👉 Make a non-binding inquiry now and secure your credit line!
Frequently asked questions (FAQ) (as info box)
How quickly is my SME loan available?
After a successful check, the credit line is usually available within 24 hours.
Is there a minimum amount for a withdrawal?
No, you decide for yourself how much you want to withdraw within your credit limit.
What does the Kamuno SME loan
cost me? You only pay interest on the amount actually used. There are no fees for setting up or not using the facility.