Loans for the self-employed in Switzerland: fair terms without a salary statement.
Yes, the loan for the self-employed exists, and we will find it for you.
A common misconception: that there is no loan without a salary statement. That is not true. What matters is not the pay slip but your ability to service the loan, meaning a stable income documented through your tax assessment and business accounts, together with a clean credit standing. As a self-employed person you document your income with different papers than an employee, but the foundation for a loan for the self-employed is just as much in place.
Loans are granted after an individual assessment: not every bank grants a loan to the self-employed, but some of our partner banks do. This is exactly where privatkredit.ch comes in. We compare the providers that actually finance a personal loan for the self-employed with a sole proprietorship, GmbH or AG, and we show you which self-employed loan fits your situation. The loan for the self-employed ranges from CHF 5,000 to CHF 300,000 and can be used freely, for a car, a renovation or the consolidation of existing loans.
What you as a self-employed person need to bring for the loan
These are the six points banks review before granting a loan for the self-employed. The more clearly you meet them, the better the terms of your self-employed loan, and the more precisely we can compare the right offers for you.
At least 2 years self-employed
Most banks grant a loan for the self-employed only once you have been self-employed for at least two years, with some specialized providers already from twelve months. The longer your business activity is documented, the easier it is to obtain the loan.
Definitive tax assessment
Instead of a salary statement, the definitive tax assessment serves as proof of income. For a loan without a salary statement, banks review the taxed income of the last two to three years so that they can see a stable average income.
Business accounts
The balance sheet and income statement of the last one to two financial years show how stable your profit is. For a sole proprietorship a simplified format is often enough, while a GmbH and AG submit the complete accounts. Banks assess your self-employed loan on this basis.
Legal form in the Commercial Register
Sole proprietorship, GmbH or AG, all three legal forms can apply for a personal loan for the self-employed. A commercial register extract (Zefix) documents your company and your signing authority, and for younger companies it supplements the proof of how long you have been in business.
Affordable, regular income
From the taxed profit less social security contributions, banks determine your net income. As a rule of thumb, the monthly payment should not exceed roughly one third of your freely available income; that decides the amount and terms of your loan for the self-employed.
Clean credit standing
For the loan for the self-employed, the ZEK register is checked. No open debt collection proceedings, no certificates of unpaid debt, a clean payment history. Other obligations such as loans, leasing or mortgages are also taken into account.
Three steps to your self-employed loan
Complete the online application
Calculate the payment for your loan as a self-employed person, fill out the short application, and upload your tax assessment, business accounts and ID right away, securely and encrypted.
Receive an offer
Once your documents are complete, you will usually receive your personal offer for the loan for the self-employed within 24 hours.
Payout to your account
After the contract is signed and the 14-day withdrawal period has passed, the amount is transferred directly to your account.
Three particularities of the loan for the self-employed
Fluctuating income
The self-employed have a more variable income than employees. For the loan for the self-employed, banks therefore work with the average of the last two to three years and assess strongly fluctuating profits conservatively, so submit complete accounts from the outset.
Separate private and business assets
A clear separation of private and business finances makes the credit assessment considerably easier and speeds up your self-employed loan. Mixed accounts lead to follow-up questions and delay the quote.
Unsecured loan, not a business loan
The loan for the self-employed arranged through privatkredit.ch is a private unsecured loan, without a guarantor and without collateral, and can be used freely. It is not an earmarked business loan for operating funds. Not every bank finances the self-employed; our comparison filters out the right providers from the start.
Loans for the self-employed: the most frequently asked questions
- Autor
- privatkredit.ch editorial team, Specialist editorial team for consumer credit
- Fachliche Prüfung
- Redaktionsinterne Gegenprüfung durch Kreditfachleute
- Zuletzt aktualisiert
- 3 May 2026, Inhalte werden laufend aktualisiert
- Unabhängigkeit
- Unabhängige Recherche, ausschliesslich offizielle Schweizer Quellen
- 1Federal Consumer Credit Act (CCA), SR 221.214.1. Fedlex, Systematic Compilation of Federal Legislation. fedlex.admin.ch/eli/cc/2002/593/de
- 2Central Business Names Index (Zefix), Commercial Register. Federal Office of the Commercial Register (EHRA). zefix.ch
- 3Central Office for Credit Information (ZEK). ZEK, Zurich. zek.ch
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