Financing CHF 400,000 with PrestaFlex :

Your course

Whether you're modernizing production facilities, smoothing working capital, renovating a site, taking over a business, securing imports or deploying solar power, PrestaFlex, the corporate financing specialist, will design and negotiate the optimum structure for you up to CHF 400,000, as a single solution or a combined basket.

PrestaFlex catalog (complete overview)

  1. Amortizable investment credit - 12 to 84 months, stable monthly payments, flexible collateral (guarantees, pledges).
  2. Cash line / Revolving credit - Drawings on demand, interest on usage, perfect for seasonal business.
  3. Campaign credit / Advance on orders - Inventories and supplier deposits backed by order book.
  4. Factoring - Immediate collection of B2B invoices, with credit insurance/recovery option.
  5. Asset-Based Lending (ABL) - Collateralization of receivables, inventory, machinery and vehicles.
  6. Leasing & Sale-and-Leaseback - New or existing equipment, tax-deductible rents, buy-back possible at the end.
  7. Fleet & mobility pro - Operational/financial leasing, buy-back, TCO optimization.
  8. Short-term bridge - Pending receipt of funds (subsidy, sale, M&A closing) - defined exit.
  9. Commercial mortgage "light" / Real estate bridge pro - Leverage on a company-owned asset.
  10. Trade Finance (import/export) - Documentary credits, guarantees, import pre-financing.
  11. Takeover financing (LBO light) / buyout - Mix of debt + contribution + seller earn-out.
  12. Project finance Energy & Efficiency - PV, HVAC, LED; repayments driven by savings/revenues.
  13. Cofinancing / mini-syndication - Useful from CHF 400,000 upwards if diversification of lenders is desired.

10 typical use cases (concrete examples at CHF 400,000)

  1. Dental / aesthetic clinic - 2 chairs + 3D imaging + sterilization
    → Medical leasing 320,000 + revolving 80,000 (consumables, VAT, contingencies).
    Option: sale-and-leaseback of existing equipment to free up cash.
  2. Finishing/renovation company - Seasonality + major projects
    → Country loan 180,000 (inventories, advance payments) + factoring 120,000 (DSO) + revolving 100,000.
    Bonus: market guarantees via Trade Finance (bid/performance).
  3. E-commerce importer - Opening of a new range
    → Documentary credit / Trade Finance 200,000 + campaign credit 120,000 + revolving credit 80,000.
    Tip: integrated currency hedging.
  4. Transport & logistics - 4 utility vehicles + telematics equipment
    → Fleet leasing 300,000 + ABL 60,000 (receivables) + revolving 40,000.
    Option: buy-back to smooth TCO.
  5. Hotels / catering - Renovation of pro dining room + kitchen
    → Bridge real estate pro 200,000 (backed by assets) + kitchen leasing 150,000 + revolving 50,000.
    Allows accelerated construction without suffocating cash flow.
  6. Watchmaking / microtech - New production line
    → Investment loan 250,000 + machine leasing 100,000 + ABL 50,000 (parts inventory).
    Result : secure capex + breathable WCR.
  7. Engineering office / B2B services - Growth with recurring contracts
    → Factoring 200,000 (maintenance/packages) + revolving 100,000 + investment loan 100,000 (IT, recruitment).
    Option: cash-flow oriented light covenants.
  8. Takeover of a business / customer portfolio (price 400,000)
    → Senior debt 280,000 + earn-out seller 60,000 + contribution 60,000.
    If timing tight: comfort bridge over 3-6 months before switchover.
  9. Industrial site - rooftop solar (capex 400,000)
    → Project finance Energy 400,000 (PPA flows/savings repay debt).
    Alternative: equipment leasing + O&M contract and performance guarantee.
  10. Multi-site retail - Refit + launch stock
    → Investment loan 220,000 (works, furniture) + campaign loan 120,000 + revolving loan 60,000.
    Option: B2B factoring if you invoice works councils.

Winning combinations at CHF 400,000

  • 300,000 leasing + 100,000 revolving: heavy capex + maneuvering cushion.
  • 240,000 factoring + 160,000 investment loan: reduced DSO + financed investment.
  • 200,000 bridge → 400,000 amortizable: secure imminent subsidy/disposal, then switch.
  • 150,000 ABL + 150,000 inv. loan + 100,000 campaign: exploit assets to ease ratios.

Indicative budget ranges (non-contractual)

Amortizable loan CHF 400,000 (examples)

  • 36 months: ≈ 12'100-12'700 CHF / month
  • 48 months: ≈ 9'300-10'000 CHF / month
  • 60 months: ≈ 7'650-8'300 CHF / month
  • 72 months: ≈ 6'550-7'200 CHF / month

Ranges depend on rates, collateral, sector and credit quality.
Leasing: rent influenced by duration and residual value (often < equivalent credit).
Factoring / ABL: cost = financing + service; reduced DSO often offsets part of the cost.

Express decision matrix

  • Asset ownership → Investment credit
  • Flexibility & taxation → Leasing
  • Brake = WCR / customer overdue → Factoring ± Revolving
  • Mobilizable assets → ABL / Sale-and-Leaseback
  • Short-term need with clear exit → Bridge
  • Self-financing project → Project finance Energy
  • Secure supply chain → Trade Finance

Flash" dossier to save time

  • Articles of association, organization chart, management documents
  • N and N-1 financial statements + interim statements
  • Customer/supplier schedules, key contracts
  • Budget, order book, quotations/proforma
  • Assets: list/values/serial number; real estate: RF extract, schedule/appraisal
  • Energy: producible, PPA/CPE if existing

PrestaFlex method (simple and result-oriented)

  1. Usage brief for CHF 400,000 (capex, WCR, trade-in, energy, imports...).
  2. Pre-qualification & scenarios: 2-3 architectures compared (costs, monthly payments, flexibility, covenants, guarantees).
  3. Negotiation & closing: competitive bidding, clear term sheet, KYC checklist, release.

An article by Munur Aslan, Director of PrestaFlex

Ready to go?

Send us your objective + 2 sets of accounts and your key quotes/contracts. PrestaFlex will quickly propose the best combination to finance CHF 400,000 at an optimized total cost, without making your cash flow too rigid.

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