Financing SMEs: Bank loans

Swiss SMEs rely upon external funds essentially call upon bank loans. Here is a statistical presentation.

SMEs continue to benefit from good financing conditions in Switzerland. According to an investigation by the State Secretariat for Economic Affairs (SECO), the bank credit market is proving to be strong.

Conducted in 2021 with 2,712 companies, the SECO survey shows, in particular, the ability to access credit in Switzerland: only 3% of SMEs that had recently applied for bank loans had their application rejected, versus 6% in 2016 and 7% in 2010.

In 2021, approximately 37% of SMEs were exclusively self-financed. This is significantly less than in the previous survey, as in 2016, this proportion was 62%.

SMEs financed by a bank loan (2021)

Number of Employees


2 to 9


10 to 49






Source: SECO, Study on the Financing of SMEs in Switzerland in 2021 (next publication: no information available)


Last modification 01.12.2023

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