Finance your start-up
Hardly any start-up manages entirely without capital. Which source of financing suits you depends on the amount, the risk and the phase. Here you’ll find an overview of the most important options.
Equity before debt
Equity – your own savings or contributions from family and friends – is the basis. The higher your share of equity, the easier it is to obtain additional debt financing and the more independent you remain.
Debt financing and funding
Bank loans are suitable for predictable investments with collateral. In Switzerland, there are also guarantee cooperatives (Bürgschaftsgenossenschaften) and cantonal funding programmes that make starting a business easier. A convincing business plan with a financial plan is almost always a prerequisite.
Investors and equity stakes
For high-growth ventures, business angels or venture capital are options. They bring capital and know-how, but in return they want shares and a say. This form suits scalable business models in particular.
Frequently asked questions
How much equity do I need?
It varies depending on the venture and the lender or investor. Banks often expect an equity share of 20–30%. More equity improves your negotiating position.
What funding is available in Switzerland?
Guarantee cooperatives, cantonal funding programmes and innovation grants. A complete business plan with a financial plan is usually a prerequisite.
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