Micro-credit in France, it works. But the system is also valid for Switzerland, which grants solidarity credits to those who want to embark on entrepreneurship and who do not have the financial means to do so. It is indeed difficult, without guarantees to offer, to get a bank loan. The microcredit is there for that, to allow everyone, even job seekers and provided they have a business plan that holds the road to embark on the adventure.
Swiss microcredit foundation
It is a foundation that acts for the creation of a company in Switzerland, by financing the first needs of the creators, the start being always a little complicated financially.
A microcredit makes it possible to give life to its company, whereas the financing misses, and that the doors of bank credit are closed in Switzerland. It’s an opportunity to show what you can do, even after a long period of unemployment. The volunteers of the SDW Foundation do everything to make dreams come true.
The principle of microcredit
This is a loan, not a gift. The money paid in this context will be used for his business, charge the entrepreneur to repay on time, as soon as his activity starts. With the repayments, the SDW Foundation will be able to finance other projects, and so on. These are loans with interest, but lower than the rates charged by banking institutions.
A Swiss who wants to assemble his box, but who does not have guarantees to offer to the banks can therefore claim the microcredit SDW. The foundation will analyze the project, evaluate it and if the prospects are good, finance it in part, to the extent that allows a microcredit.
Amount of credit
It is possible to borrow up to 30,000 CHF, refundable over 4 years, with the advantageous rate of 4% (that’s a lot of 4, I know). But the creator is not delivered to himself once the loan is paid. It benefits from start-up support, often critical and may even require that it be extended in time.
How to obtain a solidarity micro credit in Switzerland with the foundation?
It is necessary to start by living in Switzerland, and to have a project of creation of company in the country. The small business must be viable on paper, with a creator who has the skills to carry it out. The latter must have been denied a conventional credit by a bank in Switzerland.
If the foregoing criteria are respected, it is only necessary to formulate its request, by contacting the Swiss microcredit foundation. It should be known that in case of acceptance, a fee to process the file will be applied (increasing according to the amount borrowed), even if they will be reduced for job seekers.
Solidarity is important even when it comes to entrepreneurship. Switzerland has this desire to allow everyone access to the world of business, a period of unemployment that can even be the trigger.