Debt financing: Obtaining capital by using credit
Debt financing is a type of external financing by which a company acquires capital using credit.
With debt financing, capital is loaned to the business in the form of bank or supplier credit, loans and mortgages. Financing through the issuance of bonds is, for the most part, only possible for large public limited companies or cooperatives, which are also called bond-issuing companies.
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Crowdlending: Borrowing without help from the banks
In this crowdfunding model, contributors lend money to businesses or private individuals and receive interest in return.
Equity and foreign funds: How do you organize the financing of your company?
Equity is capital made available to the company by its owners. As a result, owners are entitled to the right to inspect the firm.
External financing through loans
For smaller companies, loans are a particularly suitable form of medium-term debt capital.
Raise funds through crowdfunding
In search of loans, investments or donations for entrepreneurial projects? Numerous online crowdfunding platforms enable Swiss SMEs to obtain financing directly from individuals, bypassing traditional players.
Supplier credit and advance payments from customers
With supplier credit, payment for goods or services received is made after a certain period of time.
The different types of bank loans
Banks differentiate between short-term operating loans to finance floating assets, and long-term investment loans to finance fixed assets.