Applying for an SME Loan: Step by Step
Small and medium-sized enterprises (SMEs) are the backbone of the Swiss economy. Yet many entrepreneurs face a major hurdle: financing. Banks require extensive documentation, have long processing times, and are often hesitant with newer businesses. Cashare offers SMEs a modern alternative — fast, digital, and with amounts up to CHF 5 million.
What Does Cashare Offer for SMEs?
Cashare arranges [SME loans](/kredit-beantragen/kmu-kredit) from CHF 10,000 to CHF 5,000,000 through its crowdlending platform. Swiss investors finance these business loans directly — without the cumbersome processes of a large bank.
Requirements for an SME Loan at Cashare
Minimum requirements: - Business domicile in Switzerland - At least 2 years of operating activity (founding date in the commercial register) - Positive equity situation - Annual turnover of at least CHF 100,000
Documents Required
- Commercial register extract (current, not older than 3 months)
- Annual accounts for the last 2 years (balance sheet + income statement)
- Current interim statement (not older than 6 months)
- Debt enforcement register extract for the company and main owners
- Tax return or tax assessment for the last 2 years
The Application Process Step by Step
- Fill in the digital application form at [cashare.ch](/kredit-beantragen/kmu-kredit)
- Upload the required documents
- Cashare conducts the credit assessment
- Receive a loan offer with interest rate and monthly instalment
- Loan project is listed on the platform for investors to fund
- After full funding, contract is signed and amount transferred
Conclusion: Modern SME Financing with Cashare
Cashare offers Swiss SMEs a genuine alternative to bank financing. Fast, transparent, and digital — this is what modern business financing should look like.