Interim financing · independently brokered · throughout Switzerland

Bridging loan –
bridging financial gaps

An unexpected bill, a tax payment, or a repair: With interim financing, you create breathing room without having to negotiate with each creditor individually.

Best Finance works with the largest Swiss lenders and compares their terms for you. Loan amounts of CHF 5'000 bis CHF 300'000, durations of 12 bis 120 months, effective annual interest rate 4,9 % bis 9,95 %.The consultation is free and without obligation.

  • Prepayable at any time no additional costs
  • All bills at once instead of negotiating individually
  • Interest refunded proportionally in case of early repayment
  • CHF 0 Advice and placement
Loan calculator for bridging loans
Desired amount (CHF)
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Personal consultation

Prefer to speak directly? We're here for you.

Free initial consultation in your language – by phone or WhatsApp. Our services are free for you; we are compensated by the lender.

4,8 / 5 out of 1'076 Reviews (Google, Facebook & direct)
Licensed since 2004 Credit broker with authorization under the KKG
Two own locations Aarau · Lausanne Partner offices in Olten and Zurich
Six languages DE · FR · IT · PT · ES · EN

Or by email: creditdesk@bestfinance.ch

Short and clear

A bridging loan is a standard Swiss consumer loan that you use to cover a temporary financing gap. There isn't a specific product with this name. The crucial point is that you can repay it early at any time and receive back the unused interest. This is precisely what makes it the solution when money isn't coming in for several months, but the bill is due now.

  • Credit amountCHF 5'000CHF 300'000
  • Duration12120 Months
  • Effective annual interest rate4,9 %9,95 %
  • Early repaymentanytime, without additional costs

When a bridging loan makes sense

The question is not whether you need money, but whether it's foreseeable how you will repay it. Bridge financing is appropriate when the shortfall has a clearly defined beginning and end.

Tax payment

The final tax assessment will be higher than the installment payments. Late payment interest charged by the tax authorities ranges from 3 to 5 percent, depending on the canton – a loan can be cheaper if the payment is spread over several years.

Several outstanding invoices

With a single billing party, it's usually possible to arrange an installment plan. With four or five billing parties simultaneously, it becomes confusing, and late fees add up. A loan settles everything at once.

Time gap in income

Bonus payment, inheritance, proceeds from a sale or a job change with a later start date: If the inflow is scheduled, a loan bridges the time until then – and can then be repaid early.

Urgent repair

Car, heating, dental treatment. Your emergency fund is depleted, but the matter can't wait. In this case, the loan replaces the savings you'll need to rebuild.

And when it is the wrong solution

If income is consistently insufficient to cover ongoing expenses, a loan won't solve the problem – it will only postpone it and exacerbate it with the added interest. The same applies if there are already debt collection proceedings underway or if multiple loans are being serviced simultaneously.

In these cases, the cantonal debt counselling This is the right place. This consultation is free, independent, and offers tools that we, as loan brokers, don't have. We'll tell you openly if we believe this is the better approach.

Bridge loan or alternative?

A loan isn't always the cheapest solution. This comparison also highlights the situations in which you don't need one.

Possibility Cost When it fits
Installment payment to the invoice issuer mostly free, sometimes a fee For a single invoice – always inquire first.
Overdraft on current account bis 12 % interest only for a few days, otherwise the most expensive option
Credit card in installments bis 12 % interest Rarely makes sense, usually more expensive than a loan
Bridging loan 4,9 %9,95 % in the case of multiple invoices or larger amounts
Early withdrawal from pension fund Tax consequences, gap in retirement provisions Permitted only for homeownership and self-employment
Private loans in the vicinity mostly interest-free If possible, choose the cheapest solution – document it in writing

The statutory maximum interest rate has been at [amount] since January 1, 2026. 10 % for cash loans and 12 % This applies to overdraft facilities such as bank account overdrafts and credit cards. Therefore, a loan is almost always cheaper than a prolonged negative balance on the account.

Four steps to interim financing

  1. Choose amount and duration

    The calculator above shows you the monthly payment immediately. Shorter loan terms mean higher monthly payments, but significantly lower overall interest costs.

    approximately 2 minutes

  2. Submit documents

    ID card, the last three payslips and, if a foreign national's ID card, a copy of the permit – via WhatsApp, email, Upload or mail.

    They set the pace

  3. Affordability and offers

    We calculate your budget according to the Consumer Credit Act and submit the request where your profile has the best chances.

    Depending on the bank, hours to days

  4. Contract and payment

    The statutory withdrawal period begins after you sign. Only after this period may the bank make a payment (Art. 16 KKG).

    14 days, as required by law

How the bank calculates your affordability

Every bank is legally obligated to assess creditworthiness under the Consumer Credit Act. The following deductions are made from net income: taxes, rent, health insurance, basic living expenses according to SKOS guidelines, commuting costs, meals eaten away from home, and existing financial obligations.

The remaining balance must cover the installment. Crucially, the bank is legally required to always factor in a certain amount. fictitious duration of 36 months Even if you choose a longer term, the actual rate will be higher than the calculated rate with a shorter term, which complicates matters. If in doubt, choose the longer term and repay early as soon as the expected funds arrive.

If the calculation doesn't add up, the bank must reject the application. This is not a matter of discretion, but a legal requirement – and it protects you from over-indebtedness.

Here's what you should know

  • A consumer loan is unsecured – you don't have to specify what you need it for.
  • Early repayment is possible at any time; unused interest will be refunded.
  • Loan interest is deductible as debt interest in the tax return.
  • Loans up to CHF 80,000 are subject to the KKG (Collective Credit Act) with all its protective provisions.
  • A non-binding inquiry with us will not result in a ZEK entry.

Customer testimonials

Here's what our customers say

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Xonim Pedro
24 November 2017

Service impécable je recomande a mes amies merci à l'équipe de Best-Finance.

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Parfaite Sinueno
6 February 2022
Private customer
3 August 2022

Bernard - Lucerne

 

José D.
9 January 2021

Granges Paccots

Feliz ano novo antes de mais queria vos agradecer por tudo pela vossa atenção dedicação tudo de bom que vocês merecem Obrigado de coração vocês merecem nota 1000 para vosso trabalho obrigado 🙏

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Stefan Jud
2 March 2023
Anna K.
29 September 2021

Schaffhausen

Good day,
I am completely satisfied with your service and advice. If someone in my circle of acquaintances needs a loan, I will recommend you at any time.

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André Azevedo
25 November 2017
Nico K.
28 April 2021

Glattbrugg

Very friendly and nice and understandable and fast. I thank them for their commitment. Of course I was very very satisfied. 100 percent positive experience, THANK YOU VERY MUCH.

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Francek Rob
2 June 2023
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Pedro Lopes
4 March 2024

Thank you to all the Best-finance team and in particular to Mr Pedro Soares who took care of my file efficiently, quickly and with his availability. Thank you

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Helder Conceicao
4 October 2021
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Vinz Ferrars
1 September 2021

Cest le top en conseil service rapide

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Éric Dubois
2 December 2021
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Beat Chamber
8 December 2021
Ludwig F.
18 January 2018

Baden

I would like to express my thanks and praise to the team and especially to Mr. Diturim Mziu who was very friendly and informative to me during the first telephone call and when applying for the credit. I would also like to thank you for the use of an optimal credit which is now even 2 % lower than at the bank before. So, I wish you all the best in the new 2018 and thank you very much to the Best Finance team.

google
Marjan Zupan
4 January 2021
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Güner Ay
3 February 2026

Many thanks You were professional and solution orientated

Vitorino M.
30 July 2021

Sion

Fui cerdadeiramente aconselhada de forma competente. Recebi rapidamente e facilmente o financiamento que pretendia. Muito Obrigada Best-Finance pela ajuda eficaz.

Mario A.
31 January 2021

Lucerne

I was very satisfied, very friendly advice and quick action!
Gladly again or of course to recommend to others!
Many thanks

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MrCvetanco
5 July 2024
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Dany Soares
24 November 2017
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Gianna Capparuccini
3 November 2020
N. K.
16 February 2021

Glattbrugg

Very friendly and nice and understandable and fast. I thank you for your commitment. Of course I was very very satisfied. 100 percent positive experience, thank you very much.

Hans B.
2 March 2021

Mümliswil

While searching for a lender, I came across your financial institution on the internet. The application, the personal support and the quick disbursement worked out perfectly! Thanks to your confidence in me as a person and the targeted handling of the transaction, I was able to solve a very important family circumstance for me! I would like to express my sincere thanks to all the people involved!

google
Raul Correia
24 November 2017
Natale K.
15 February 2021

Geneva

Ho avuto un consiglio top. L'impiegato si è impegnato completamente per le mie esigenze. Posso solo raccomandare questa azienda. Molte grazie per il vostro impegno

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Mbaye Diop Deme
4 March 2022
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Odile Kitoko
3 August 2022
Reto T.
11 June 2021

Zurich

I am very satisfied with your service.
My opinion is quite positive about your team, and your performance.

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Mustafa Türkmen
July 9, 2026

Excellent, straightforward advice. Thank you for your patience, Mehmet Ünlütepe

google

Good professionalism...thank you

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Carina Santos
25 November 2017

Um excelente trabalho e sempre disponíveis a responder a todas as nossas questão... Um serviço rápido e eficaz....

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Karsten Büttner
14 January 2026

I have only had very good experiences with Best-Finance GmbH and am completely satisfied. The customer service is consistently friendly, competent and always ready to help. The entire team is highly committed to its customers and takes care of all concerns with noticeable care, warmth and professionalism. I would particularly like to emphasise the personal support: you feel that you are taken seriously, given the best advice and given excellent support at every stage. Thanks to the dedicated work of the Best Finance team, I finally received my loan approval from the bank. However, I would like to emphasise that my satisfaction is independent of the loan result. Even if the bank had made a negative decision, my positive rating would not have changed in any way. The service, communication and commitment of the team were exemplary in every respect. A big thank you to the entire Best Finance team for their great commitment and the many friendly and pleasant contacts, especially with Mr Mzi and Mr Berisha. I can recommend Best Finance without reservation and wish the entire team all the best for the future. See you next time!

George A.
8 September 2021

Solothurn

Hello Mr Thaqi, everything is fine, tip top your service! Thank you!

D. T.
14 December 2017

Mägenwil

We were very satisfied with the advice! You should give your employee high praise. Despite some questions and problems, he was very competent and made everything happen. Many thanks and kind regards

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angelo magalhaes
3 August 2022

Muito bom, sempre disponíveis e muito atenciosos.

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Alexay - HunterSheep
24 November 2017
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Pino Iozzi
3 May 2023
google

Very obliging. Everything went smoothly, although the requirements were changed several times

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Bibiana Da Silva
March 25, 2026
Max E.
22 February 2021

Adliswil

I would like to give my feedback and thank the Bestfinance team! Very good advice, professional and fast processing, top!
Especially Mr. Dino Ferraro , very friendly , courteous and trustworthy!
Many thanks

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Anna Cantisano
23 October 2020
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Rita Catita
4 April 2022
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Hossein Mirzai
8 February 2023

Super

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Tania Frey
4 April 2022
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edy Pereira
10 January 2024

Atendimento perfeito! recomendo...

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Muito bom

J. M.
26 February 2021

Aarburg

I had a top consultation. The employee has fully committed to my needs. I can only recommend this company. Many thanks for your commitment

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Teddy Zergaw
May 1, 2026

Frequently asked questions about bridging loans

Basics

What exactly is a bridging loan?

A standard consumer loan used to cover a temporary financial gap. There is no specific bank product with this name for private individuals in Switzerland. The key feature is the option for early repayment, allowing you to terminate the contract as soon as the expected funds arrive.

How short can the runtime be?

Away 12 Months. Since you are allowed to repay early at any time and receive back the unused interest, a slightly longer term with a reserve is usually the safer choice: The monthly payment remains manageable, and as soon as the expected money arrives, you can terminate the contract without additional costs.

Can I repay early if the money arrives sooner?

Yes, at any time and without a prepayment penalty. Interest already paid but not used will be refunded. Fees for early termination of a consumer loan agreement are prohibited by law. This is precisely what makes a loan as interim financing worthwhile in the first place.

Costs and alternatives

How much does a bridging loan really cost me?

Only the effective annual interest rate between 4,9 % and 9,95 %. No processing, closing, or administration fees, and our services are free of charge. A specific example can be found below.

Is a loan cheaper than an overdraft?

Generally, yes. Overdrafts and credit cards are subject to a statutory maximum interest rate of 12 %, for cash loans 10 %. In practice, overdrafts are often at the higher end of the scale, while consumer loans are significantly lower, depending on creditworthiness. For short periods, however, an overdraft is still more practical.

Shouldn't I arrange an installment plan first?

For a single bill, definitely do this – it's usually free and the cheapest solution. Check with the billing company before taking out a loan. With multiple creditors at once, things get complicated, so consolidating your bills is the better option.

Can I finance a tax payment with a loan?

Yes, a consumer loan is unsecured. Whether it's worthwhile depends on the default interest rate in your canton – this is usually between 3 and 5 percent. For smaller amounts, an installment agreement with the tax authorities is more advantageous, while for larger arrears and payments spread over several years, a loan might be the better option.

What are the costs associated with Best Finance's brokerage services?

Nothing. Our loan brokerage service is free for borrowers. We are compensated by the partner bank where the loan agreement is finalized. Providers who demand upfront payment are disreputable.

Procedure and documents

How quickly will the money be available?

After signing the loan agreement, the statutory 14-day cancellation period begins. Only after this period is the bank permitted to disburse the funds (Art. 16 KKG). This period applies to all lenders in Switzerland and cannot be shortened – anyone promising otherwise is not complying with the law. Therefore, please allow approximately three weeks in total.

What documents do I need?

ID card or passport (front and back), the last three payslips, and, if a foreign national's ID card, a copy of the permit. Depending on the bank, bank statements, rental agreement, or health insurance policy may also be required.

Will my request generate a ZEK entry?

Not with us. An entry is only created when an application is submitted to a bank. That's why we check beforehand where your chances are best – every rejection puts you at a disadvantage for future applications.

When things get difficult

Can I get a loan despite a negative ZEK entry?

A negative credit entry significantly hinders any loan application. Ongoing debt collection proceedings or outstanding debt certificates almost always lead to rejection. You should avoid lenders who promise "loans despite ZEK" or the deletion of entries – correct entries cannot be removed, and advance payments for such services are a known scam.

I already have several loans – would another one make sense?

Usually not. If current financial obligations are already barely manageable, an additional loan will only exacerbate the situation. In that case, a more sensible option is... Replacement, which combines several contracts into one. If you are over-indebted, contact the cantonal debt counselling service.

Part-time, temporary or probationary period – can I get a loan?

Part-time work is generally not a problem as long as the income is regular. Virtually all banks reject applications during the probationary period. For fixed-term contracts, it depends on whether the loan term falls within the contract duration.

Request a bridging loan without obligation

Free of charge, without any agency fees, and with personal consultation in six languages.

Representative calculation example

Credit amount CHF 10'000
Duration 12 Months
Effective annual interest rate 4,9 %9,95 %
Monthly instalment CHF 856.– bis CHF 877.–
Total interest costs CHF 262.– bis CHF 524.–
Processing fees CHF 0.–
Possible loan amounts CHF 5'000CHF 300'000
Possible durations 12120 Months
Rolf M.
26 July 2021

Olten

Fast and very uncomplicated processing
Top service and competent staff
I can recommend to everyone

google
Güner Ay
3 February 2026

Many thanks You were professional and solution orientated

Private customer
3 August 2022

Bernard - Lucerne

 

Anna K.
29 September 2021

Schaffhausen

Good day,
I am completely satisfied with your service and advice. If someone in my circle of acquaintances needs a loan, I will recommend you at any time.

google
serwan herdem
4 October 2023

Fast credit answers bestfinanas

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Anna Cantisano
23 October 2020
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Véronique Bidaud
29. December 2017

Très belle équipe, super professionnelle!

Vitorino M.
30 July 2021

Sion

Fui cerdadeiramente aconselhada de forma competente. Recebi rapidamente e facilmente o financiamento que pretendia. Muito Obrigada Best-Finance pela ajuda eficaz.

google
Leo Puma
4 August 2021
Dora A.
6 July 2021

Dietikon

Good day. Everything is 100% for me. I am very satisfied with bestfinance. Thank you for everything.

Juan. M.
21 March 2021

Spreitenbach

Tuve una consulta de primera. El empleado se ha comprometido plenamente con mis necesidades. Sólo puedo recomendar esta empresa. Muchas gracias por su compromiso

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Pedro Ferreira
24 November 2017
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Giovanni Caci
21 September 2022
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Suny
19 May 2017
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Carina Santos
25 November 2017

Um excelente trabalho e sempre disponíveis a responder a todas as nossas questão... Um serviço rápido e eficaz....

google
Nuno Carvalho
22 January 2022
Natale K.
15 February 2021

Geneva

Ho avuto un consiglio top. L'impiegato si è impegnato completamente per le mie esigenze. Posso solo raccomandare questa azienda. Molte grazie per il vostro impegno

D. T.
14 December 2017

Mägenwil

We were very satisfied with the advice! You should give your employee high praise. Despite some questions and problems, he was very competent and made everything happen. Many thanks and kind regards

N. K.
16 February 2021

Glattbrugg

Very friendly and nice and understandable and fast. I thank you for your commitment. Of course I was very very satisfied. 100 percent positive experience, thank you very much.

Bernard
23 December 2021

Nyon

After several inconvenient contacts with various credit companies, Best Finance, through the intermediary of Mr. Soares, accepted my request for credit and I can say that thanks to him, I am out of a very difficult situation. I am eternally grateful to Mr. Soares and admire his great professionalism.

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Antonio da Rocha
18 May 2022
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Sara Mendes
13 November 2023
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Enrico Mazzella
5 June 2020
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Mbaye Diop Deme
4 March 2022
Anton P.
22 November 2019

Schwyz

I was in debt with 4 credit cards. Through the Best Finance newsletter I became aware that I was paying up to 15 % interest and additional fees unnecessarily. With one loan I paid off all 4 credit cards and now I only pay half of the interest. Thank you Mr Ferraro for the professional advice.

Günter R.
17 March 2021

Bern

I would like to thank you very much for the excellent service you offered me at the end of February.

The clarifications were quick and uncomplicated and the transfer worked perfectly. I would like to thank you very much for your trust. Of course I will also recommend you to others. I wish you a happy Easter.

Mario A.
31 January 2021

Lucerne

I was very satisfied, very friendly advice and quick action!
Gladly again or of course to recommend to others!
Many thanks

google
Bibiana Da Silva
March 25, 2026
Reto T.
11 June 2021

Zurich

I am very satisfied with your service.
My opinion is quite positive about your team, and your performance.

Hans B.
2 March 2021

Mümliswil

While searching for a lender, I came across your financial institution on the internet. The application, the personal support and the quick disbursement worked out perfectly! Thanks to your confidence in me as a person and the targeted handling of the transaction, I was able to solve a very important family circumstance for me! I would like to express my sincere thanks to all the people involved!

google

Muito bom

George A.
8 September 2021

Solothurn

Hello Mr Thaqi, everything is fine, tip top your service! Thank you!

google
CED 974
2 February 2022
google
CiberSide
25 November 2017

Bom atendimento e boa flexibilidade. Aconselho.

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Matus Morong
5 July 2024
google
Tania Frey
4 April 2022
Christian B.
29 June 2021

Chêne-Bougeries

After several inconvenient contacts with various credit companies, Best Finance, through the intermediary of Mr. Soares, accepted my request for credit and I can say that thanks to him, I am out of a very difficult situation. I am eternally grateful to Mr. Soares and admire his great professionalism.

google
Helder Conceicao
4 October 2021
Anna E.
24 December 2020

Lugano

Sono rimasto molto contento e soddisfatto grazie infinite.

google
Stefan Jud
2 March 2023
google

Good professionalism...thank you

J. M.
26 February 2021

Aarburg

I had a top consultation. The employee has fully committed to my needs. I can only recommend this company. Many thanks for your commitment

Ludwig F.
18 January 2018

Baden

I would like to express my thanks and praise to the team and especially to Mr. Diturim Mziu who was very friendly and informative to me during the first telephone call and when applying for the credit. I would also like to thank you for the use of an optimal credit which is now even 2 % lower than at the bank before. So, I wish you all the best in the new 2018 and thank you very much to the Best Finance team.

google
RUI Santos
26 November 2017

Service. Top

Dani H.
18 August 2021

Oberentfelden

Since I can really give a Very Good feedback from you, I am pleased.
Competent, good advice and, above all, good cooperation. I can definitely recommend you and your team in Aarau.

google
Xonim Pedro
24 November 2017
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Fabiano Fabiano
17 July 2022
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Everardo Picchi
25 July 2023

Sono da anni in collaborazione con Best Finance, e posso essere più che soddisfatto del mio interlocutore personale, il Sig. Ferraro. Grazie

Manuel M.
21 April 2021

Bern

Um team amigável e competente. Eles fizeram o maximo para me darem uma oferta pessoal. Estou muito contente com o vosso trabalho. Eu posso verdadeiramente aconselhar Best-Finance aos meus amigos.

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