A Swiss SME (almost always) needs a business loan at some point—even when it’s healthy and profitable. The reason is simple: growth and day-to-day operations consume cash before they generate it.
Why a company in Switzerland will sooner or later need an SME loan
1) Smooth cash flow (the real lifeblood)
Your cash outflows are immediate (salaries, AHV/LPP contributions, rent, suppliers, insurance, VAT), while your inflows may arrive in 30/60/90 days.
As activity increases, this gap widens: you can be profitable “on paper” and still feel tight on cash.
2) Finance a growth step-change
Growing often means paying upfront:
- hiring (sales, ops, production)
- increasing capacity (equipment, machines, software, premises)
- buying more inventory / raw materials
- absorbing a large contract
An SME loan helps you accelerate without putting the business at risk.
3) Invest to stay competitive
Digitalization (ERP/CRM), cybersecurity, quality, compliance, structured marketing…
Without financing, you postpone investments and give competitors room to move.
4) Manage seasonality and the unexpected
Even a well-run company faces:
- seasonal slowdowns
- late payments
- breakdowns / incidents
- cost increases
A credit line or a working-capital solution prevents you from “breaking” your growth because of a temporary dip.
5) Protect your cash instead of paying everything upfront
Paying cash can feel “safer,” but it can also weaken the business.
Well-sized financing keeps a safety buffer and preserves your ability to act.
What a good SME credit specialist should bring you
- tell you how much to request (realistically) and over what term
- choose the right tool (working-capital loan, investment loan, revolving line, etc.)
- avoid unnecessary applications and structure a clean, strong file
MultiCredit page to consult
MultiCredit website
https://multicredit.ch/en/credit/sme-loans/
MultiCredit – Contact details in Cham
Cashflex MultiCredit GmbH
Dorfplatz 4, 6330 Cham, Switzerland
Mon–Fri: 08:30–18:00
Tel.: +41 41 726 71 00
Mobile: +41 79 936 31 75
Email: info@multicredit.ch