admin Dec 04, 2019
99.7% of all Swiss companies are SMEs with up to 250 employees. Almost 2/3 of all employees in Switzerland work in these companies. But what about SME loans in Switzerland? Does a similar distribution also show up on the financing side? These questions we follow in this blog.
The volume of SME financing in Switzerland amounted to around CHF 310 billion in 2018, with a percentage split as follows:
• 71% on companies with up to 9 employees
• 17% between 10-49 employees
• 12% between 50-249 employees
With 89.9%, so-called micro-enterprises with less than 10 employees make up the largest share of the corporate landscape, this distribution is not surprising. Small companies (10-49 employees) with 8.4% and medium-sized enterprises (50-249 employees) with only 1.7% are clearly over-represented in comparison to the financing. In general, this can be assumed to be due to the better creditworthiness of these companies.
In terms of amount, 75% of all SME financings are less than CHF 1 million, and 34% even less than CHF 100,000.- CHF. These are just the amounts that are usually feasible and affordable for Crowdlending platforms. The rather low amounts are due to the high proportion of micro-enterprises. As an operator of a crowdlending platform, however, we also hear again and again that these loan amounts for the banks - often for cost reasons - are not interesting and therefore just as often rejected. This is where Crowd4Cash comes in, because thanks to its high level of automation, it can also handle these loans profitably. If you are currently dealing with SME financing, we are always at your disposal. The link to the loan application can be found here.
