CHF 200,000 financing: all PrestaFlex solutions for executives

Your objective

Investing, smoothing cash flow, financing a project, equipment, a takeover, an energy project... PrestaFlex structures, compares and negotiates the best solution up to CHF 200,000, alone or in combination.

PrestaFlex solutions for your business in Switzerland

  1. Amortizable investment credit
    To finance machinery, works, fit-out, IT, launch marketing.
  • Standard terms: 12-84 months
  • Possible collateral: balance sheet/liquidity, surety(ies), pledge of assets
  • Strengths: visibility of monthly payments, straight-line amortization
  1. Cash line / Revolving credit
    To smooth out cash shortfalls (B2B, seasonal).
  • Drawings on demand, interest on amounts used
  • Renewable, suitable for business peaks
  1. Campaign credit / Advance on orders
    To finance inventories, season launches, supplier deposits.
  • Based on order book and operating cycle
  1. Factoring
    Turn your B2B invoices into immediate cash.
  • Financing of part of the receivable at issue
  • Option of delegated dunning/credit insurance
  1. Asset-Based Lending (ABL)
    Use inventory, machinery, vehicles and receivables as collateral.
  • Flexible when the balance sheet is constrained, adds value to your operating assets
  1. Leasing & Sale-and-Leaseback
    For new or existing equipment (machinery, vehicles, medical/industrial equipment).
  • Preserves cash flow, deductible rents, possibility of buying back the asset at the end of the contract
  1. Fleet & mobility financing
    Operational/financial leasing, buy-back, fuel card, optimized TCO.
  2. Short-term bridge
    To secure a transition (subsidy to be received, forthcoming M&A closing, asset sale in progress).
  • Short term, predefined exit
  1. Commercial mortgage "light" / Bridge immobilier pro
    If you own your own premises (or a transferable asset): leverage on property value to finance CAPEX/works.
  2. Trade Finance (import/export)
    Documentary credits, guarantees, import pre-financing.
  • Ideal for securing supply chains
  1. Buyout financing (LBO light) / purchase of business assets
    Mixed structure debt + contribution + earn-out possible.
  • Suitable for small acquisitions (firms, businesses, portfolios)
  1. Project finance Energy & Efficiency
    Solar panels, high-performance HVAC, energy optimization.
  • Repaid from project savings/revenues, performance contract possible
  1. Cofinancing / Club deal / Syndication
    Rather reserved for higher tickets, but can be activated if useful (sector risk, need to diversify lenders).

What's the right choice for CHF 200,000? 4 concrete cases

  • Buying a machine
    → Leasing (if the asset is suitable) or investment credit if you want to own it right away.
    Optimized variant: leasing + small cash line to absorb VAT and incidentals.
  • Smooth out customer payment terms
    → Factoring (accelerates collection) + revolving credit for day-to-day flexibility.
  • Finance fixtures and fittings
    → Crédit d'investissement or bridge immobilier pro if you have a property to pledge.
    Alternative: ABL if your inventory/machinery creates sufficient collateral.
  • Install solar power on site
    → Project finance energy (flows repaid by production) or equipment leasing + maintenance contract.

Budget benchmarks (illustrative, non-contractual)

  • Amortizable loan CHF 200,000
    • 36 months: monthly payment approx. CHF 6,000-6,200 (depending on interest rate)
    • 48 months: approx. CHF 4,600-4,800
    • 60 months: approx. CHF 3,770-3,960
      (These ranges vary according to profile, guarantees and market)
  • Leasing CHF 200,000
    • Monthly rent defined by term, residual value, risk profile and type of asset.
  • Factoring
    • Cost = financing + service (often lower than the cost of customer overdue and WCR mobilized).

Useful documents to speed up the study

  • Extract from the Commercial Register, Articles of Association, organization chart
  • N and N-1 financial statements (balance sheet, P&L), interim statements if available
  • Customer/supplier ledgers, payment schedules, main contracts
  • Business plan/budget, order book, pro forma quotes/invoices
  • For assets: list, values, serial numbers; for real estate: RF extract, schedule, valuation

The PrestaFlex method (what you gain)

  • Rapid diagnosis & customized structuring: we select the right combination (e.g. leasing + revolving + factoring).
  • Intelligent competition: banks, private lenders, leasing companies, specialized factors.
  • Optimization of overall costs: beyond the face rate, we play on guarantees, covenants, fees and drawdown schedules.
  • Reliable execution: clear term-sheet, document checklist, coordination through to release.

Where to start?

  1. Tell us exactly how you want to use the CHF 200,000 (CAPEX, WCR, works, trade-in, energy).
  2. Share 2 sets of accounts + your key quotes/contracts.
  3. We'll get back to you with 2-3 comparative scenarios (monthly payments, flexibility, guarantees, cash flow impact), and you choose.

Ready to finance CHF 200,000 intelligently?
Contact PrestaFlex: we'll offer you the most economical and secure structure for your business credit, speaking the language of your business!

An article by Munur Aslan, Managing Director of PrestaFlex

Share this post: