Financing CHF 300,000 intelligently

Your course

Investing, modernizing production equipment, securing cash flow, taking over a business, launching a solar line, opening a site... PrestaFlex structures and negotiates the most effective solution for CHF 300,000, in one-shot or in a basket of solutions.

PrestaFlex catalog (complete overview)

  1. Amortizable investment credit
    For machinery, works, IT, marketing, fit-out.
  • 12-84 months, stable monthly payments
  • Suitable collateral (guarantees, pledges)
  • Ideal if you want to own the asset from D0
  1. Cash line / Revolving credit
    To smooth working capital and seasonal fluctuations.
  • Drawings on demand, interest on usage
  • Renewable, highly flexible
  1. Campaign credit / Advance on orders
    To finance inventories, advance payments and seasonal launches.
  • Based on order book and operating cycle
  1. Factoring
    Turn your B2B invoices into immediate cash.
  • Financing from the outset, with credit insurance/recovery option
  • Reduces DSO and relieves WCR
  1. Asset-Based Lending (ABL)
    Mobilizes receivables, inventory, machinery and vehicles as collateral.
  • Useful when balance sheet is tight but assets are strong
  1. Leasing & Sale-and-Leaseback
    For new equipment or equipment already on the balance sheet.
  • Preserves cash flow; deductible rental payments
  • Can be bought back at the end of the contract
  1. Professional fleet & mobility
    Operational/financial leasing, buy-back, TCO management.
  2. Short-term bridge
    Pending cash inflow (subsidy, M&A closing, asset sale).
  • Short terms, exit defined from the outset
  1. Commercial mortgage "light" / Bridge immobilier pro
    Leverage a company-owned asset.
  • To finance CAPEX/works at optimized cost
  1. Trade Finance (import/export)
    Documentary credits, guarantees, import pre-financing.
  • Secure your supply chain
  1. Buyout financing (LBO light) / purchase of business assets
    Mix of debt + contribution + earn-out possible.
  • Suitable for tickets of CHF 300,000 with clear structuring
  1. Project finance Energy & Efficiency
    PV, high-performance HVAC, heat recovery, LED.
  • Repaid from project savings/revenues (performance contract possible)
  1. Co-financing / mini-syndication / club deal
    Useful from CHF 300,000-500,000 if diversification of lenders desired, or sector risk.

6 concrete scenarios at CHF 300,000

  • Production machine + installation (300,000)
    → Leasing 72 months or investment loan 60-72 months.
    Tip: split (e.g. 260,000 in leasing + 40,000 in revolving credit for VAT & contingencies).
  • Working capital pressures on key accounts
    → Factoring (accelerates collections) + revolving (occasional peaks).
    Option: ABL if inventories/machinery can be valued.
  • Fixtures and fittings + equipment
    → Investment credit for work + leasing for equipment.
    Cost option: bridge immobilier pro if you own the premises.
  • Takeover of a fund/portfolio (300,000)
    → Senior amortizable debt + contribution + vendor earn-out.
    Securing: pre-closing bridge if timing is tight.
  • Rooftop solar project
    → Project finance energy (flows repay debt) or equipment leasing + O&M contract.
  • Imports and initial stock
    → Trade finance to secure imports + campaign credit for stock + revolving credit for rotation.

Indicative budget ranges (non-contractual)

Amortizable loan CHF 300,000 (examples)

  • 36 months: monthly payment ≈ 9'100-9'400 CHF
  • 48 months: monthly payment ≈ 6'900-7'200 CHF
  • 60 months: monthly payment ≈ 5'800-6'100 CHF
  • 72 months: monthly payment ≈ 5'000-5'300 CHF

Ranges vary according to rate, collateral, sector and credit quality.

Leasing CHF 300,000

  • Depends on term, residual value and risk profile; rent often lower than equivalent credit due to VR.

Factoring / ABL

  • Combined financing + service costs; DSO reduction often offsets a significant part of the cost.

Decision matrix

  • You want to own the asset → Investment credit
  • You prefer flexibility & tax advantages → Leasing
  • Working capital is your limiting factor → Factoring ± Revolving
  • You have disposable assets → ABL / Sale & Leaseback
  • Short-term need with identified exit → Bridge
  • Self-financing project → Project finance Energy
  • Secure supply chain → Trade Finance

Winning combinations at CHF 300,000

  • 260,000 leasing + 40,000 revolving: capex financed + maneuvering cushion.
  • 200,000 inv. loan + 100,000 factoring: investment + reduced DSO.
  • 150,000 ABL + 150,000 guest loan: debt limit circumvented via assets.
  • 300,000 bridge → switch to amortization: if timing/subsidies/closing to come.

What PrestaFlex optimizes for you

  • Financial architecture: 2-3 scenarios compared (costs, monthly payments, flexibility, covenants, guarantees).
  • Competitive bid ding: banks, specialized lenders, factors, leasing companies.
  • Total cost: beyond the face rate, we negotiate fees, penalties, drawdown schedule, collateral requirements.
  • Execution: clear term-sheet, timetable, coordination through to disbursement.

Document checklist (to speed things up)

  • Articles of association/certificate of incorporation, organization chart, executive IDs
  • N and N-1 financial statements + interim statements
  • Customer/supplier schedules, main contracts
  • Budget, order book, quotations/proforma
  • Assets: list, values, serial numbers; real estate: RF extract, schedule/appraisal
  • Energy: producibility studies, PPA/CPE if existing

Typical process

  1. CHF 300,000usage brief (capex, WCR, trade-in, energy...).
  2. Flash file: 48 h for pre-qualification and 2-3 structured leads.
  3. Negotiation & closing: lender selection, term-sheet, KYC, release.

Ready to move forward?

Send us your requirements (short message is enough) + 2 sets of accounts and your key quotes/contracts. PrestaFlex comes back to you with comparative, costed and actionable scenarios- to finance CHF 300,000 at the best total cost and with the right amount of flexibility.

An article by Munur Aslan, Managing Director of PrestaFlex

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