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Loan Guidelines

From application through to repayment. The right approach, step by step.

Loan Guidelines

Credit - from Application to Repayment

How can I arrange credit for my company? What types of loans are actually available? What conditions must my company fulfill to be granted credit? These are questions that all company heads ask themselves. That's why you'll find all the information here that you need for a loan application at Credit Suisse.

In principle, Credit Suisse is a full-service bank and meets all the credit needs of its Swiss market clients in a comprehensive manner. Cross-border loan transactions are possible inasmuch as these relate to the Swiss domestic market.

From application through to repayment. Click on the individual stages and we'll show you each of the steps to be taken.

Individual Financing Solutions

Contact your personal client advisor or our Business Center at 0800 88 88 74* or complete the contact form.

Contact

* Telephone calls can be recorded.

Loan Application

Transparency on both sides

Information about your company helps the bank to evaluate your loan application correctly. The loan application helps you to structure this information. It also lists the supporting documents to be included with your application. It is advisable to draw up a business plan for major projects. The plan will help you to formulate business objectives and to consider how you would like to achieve them.

Clarify Your Requirements

Submit your completed loan application and all documentation to your relationship manager. After checking the documents, he/she will arrange a meeting with you to get to know you and your company, and to clarify your requirements.

Individual Financing Solutions

Contact your personal client advisor or our Business Center at 0800 88 88 74* or complete the contact form.

* Telephone calls can be recorded.

Contact

Risk Class Allocations

The 18 Risk Classes

After the creditworthiness and solvency of the applicant have been checked by credit specialists, the lending exposure is assigned to a particular risk class. The credit specialists base their decision on the outcome of the credit analysis, taking account of any collateral that might be offered.

Credit Suisse divides its lending exposure into 18 risk classes. Credit relationships involving similar risks (statistical default probability) are grouped together in the same risk class. Allocation to risk classes CR 14 to CR 18 precludes the possibility of a new loan. Further restrictions are possible depending on portfolio considerations. In other words, Credit Suisse actively manages its loan portfolio in order to avoid levels of risk that are generally too high. The bank follows a policy of loan diversification across sectors, regions, company size and risk classes.

Impact on loan interest rate

Since higher risk classes also involve a higher risk of default, the risk premium included in the borrower's interest rate is also higher. This prevents creditworthy clients cross-subsidizing those whose creditworthiness is poor. The regular review of ongoing credit business also looks at whether or not credit relationships - and thus credit risk - still match the conditions for their current risk classes.

Individual Financing Solutions

Contact your personal client advisor or our Business Center at 0800 88 88 74* or complete the contact form.

* Telephone calls can be recorded.

Contact

Borrowing costs

Risk class determines credit risk

The allocation of risk class - taking into account collateral - also determines credit risk. A loan with low risk costs less than one with a high risk.

Factors Influencing the Price Charged to Client

Interest rates
Fees/charges
Commissions (depending on type of credit)

What Do Borrowing Costs Include?

The bank incurs costs through its credit business. It then passes these costs on to its clients. The following diagram shows which factors influence your borrowing costs (German)
PDF (109KB)
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Individual Financing Solutions

Contact your personal client advisor or our Business Center at 0800 88 88 74* or complete the contact form.

* Telephone calls can be recorded.

Contact

Types of Financing

Select the most suitable type.

Does my company really need a loan and is this the correct type of financing?
Can I use any of my own funds, and is the credit plan clearly defined?

Individual Financing Solutions

Contact your personal client advisor or our Business Center at 0800 88 88 74* or complete the contact form.

* Telephone calls can be recorded.

Contact

Credit Analysis

Working Together

After the credit interview, the relationship manager contacts the credit specialist. Together, the relationship manager and credit specialist form your personal 'credit team', which is familiar with your company's specific situation and can evaluate it accordingly. The credit specialist analyses the loan application by looking at all the relevant information as a whole. In particular, he/she will check creditworthiness and solvency, which form the basis for the loan being granted.

Qualitative and quantitative factors play a role in Credit Suisse's analysis of the loan application. In this respect, certain minimum requirements PDF (66KB) are set for the borrower and the loan transaction.

Individual Financing Solutions

Contact your personal client advisor or our Business Center at 0800 88 88 74* or complete the contact form.

* Telephone calls can be recorded.

Contact

Collateral

Impact on Borrowing Costs

A borrower's creditworthiness is central to credit approval. Collateral is thus not the single determining factor, as the bank must also be able to calculate the risk involved. This is because it has an obligation to its other clients to invest their money as securely as possible. In order to reduce transaction risk, therefore, the bank sometimes demands collateral, to which it would have recourse in the event of the borrower's inability to repay the loan. The collateral provided by the borrower can thus have a positive impact on credit approval and the costs of borrowing. For example, if a high-risk borrower can provide good security, they might be assigned to a lower risk class and thus pay less for credit.

Valuation of collateral

Collateral is never regarded as providing 100% credit cover, as it must also secure current interest. Furthermore, the value of tangible collateral is often subject to fluctuation. This is why, while 95% of the current value of a cash or savings account may be used as security, the corresponding figure for building land is only 50%.

Individual Financing Solutions

Contact your personal client advisor or our Business Center at 0800 88 88 74* or complete the contact form.

* Telephone calls can be recorded.

Contact

Credit Relationship

Credit approval will be re-evaluated regularly

You have received your loan. During the term of the loan, the bank wants to be able to recognize, at an early stage, any possible risks which might arise. For this reason, credit approval is re-evaluated at regular intervals.

Create a good credit relationship

Have your relationship manager explain the credit decision to you and discuss your risk assessment. Create a credit relationship based on trust by adhering to the contractual arrangements and informing those concerned as openly as possible about your ongoing business activities.

Individual Financing Solutions

Contact your personal client advisor or our Business Center at 0800 88 88 74* or complete the contact form.

* Telephone calls can be recorded.

Contact

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