Loans for the Self-Employed: Fair Conditions Even Without Pay Slips
Getting a loan as a self-employed person is possible in Switzerland – even without a traditional pay slip. At privatkredit.ch, we assess your loan application individually based on your business figures. Self-employed individuals can apply for loans from CHF 5'000 to CHF 300'000, provided regular income can be demonstrated.
Special requirements for the self-employed
The credit assessment for self-employed individuals is based on different criteria than for employees:
- At least 2 years of verifiable self-employment
- Stable or growing revenue and profits
- Latest tax assessment or last two annual financial statements
- Residence in Switzerland
- No active debt collection proceedings
Required documents
- Valid ID
- Last 2 annual financial statements or tax returns
- Current debt collection register extract
- Commercial register extract (if available)
- Current interim balance sheet (for larger loans)
Tips for self-employed individuals
Prepare your documents
Keep your business figures up to date and complete. The more transparent your finances, the better your chances.
Separate personal and business assets
A clear separation significantly facilitates the credit assessment.
Stable income history
At least 2 years of stable business activity significantly increases your chances of favorable conditions.
Frequently asked questions
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