Bridging credits exceeding 500,000 Swiss francs are secured by the federal government to 85% of their value. The lending bank assumes the risk for the remaining 15% of the credit. These credits can amount up to 20 million Swiss francs (minus 500,000 Swiss francs from a COVID-19 credit) per company, and therefore require a more comprehensive review by the bank. For these credits, the interest rate is currently 0.5% on the part of the credit secured by the federal government.
Important: You must submit a COVID-19 credit agreement (see above) before you can apply for a COVID-19 plus credit for an amount over 500,000 Swiss francs.
How to submit your application for your COVID-19 plus credit:
- To start your credit application, click on the link below and fill in all the required fields.
- Sign the application.
- Scan the application and send it to the bank by e-mail or post.
- The application will be checked for completeness by the bank and forwarded to the guaranteeing organisation.
- Once the application has been approved by the guaranteeing organisation, the money will be paid out by the bank.
Start credit application
Here you will find a list of banks offering COVID-19 credits.
For detailed information, please see the explanatory notes to the emergency ordinance.