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
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.
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 5'000 – CHF 300'000
- Duration12 – 120 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
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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
Biberstein
I am a long-time customer of yours. The service is top, fast and unbureaucratic. I have never been disappointed by you. The promises were always kept. I can only recommend you.
Bellinzona
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
Solothurn
Hello Mr Thaqi, everything is fine, tip top your service! Thank you!
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.
Aarburg
I had a top consultation. The employee has fully committed to my needs. Can only recommend this company. Thank you very much for your commitment.
Bernard - Lucerne
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.
Zurich
I am very satisfied with your service.
My opinion is quite positive about your team, and your performance.
Balzers
I would like to take this opportunity to thank you very much for all your services and efforts to achieve my personal loan! I am really overjoyed that it worked out and you were always professional as well as very competent during the entire time. Likewise, I was able to quickly build up the necessary trust and I always felt taken very seriously. Great service, very positive experience and all promises and agreements were kept. I would like to wish you all the best for your future and continued success.
I can only recommend Best-Finance, you don't find such a service in every corner! Compliments to the whole team!
Fribourg
Le service chez Best Finance est excellent, orienté client. Il porte bien son nom. Monsieur Soares always finds the best solution for the client. Merci pour votre efficacité, votre réactivité et votre professionnalisme ! Bon vent dans les affaires et à bientôt.
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!
Basel
The payment could not be executed immediately.
Dietikon
Good day. Everything is 100% for me. I am very satisfied with bestfinance. Thank you for everything.
Excellent, straightforward advice. Thank you for your patience, Mehmet Ünlütepe
Olten
Fast and very uncomplicated processing
Top service and competent staff
I can recommend to everyone
You can trust this team completely, their work is awesome and they are immediately available for any question, so I can only recommend Best-Finance GmbH to anyone who is looking for a loan and does not want to be fooled should / must take up an account with them.
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
Lausanne
My feedback is excellent par rapport à best-finance et à l'orientation clientèle de deux de vos collaborateurs. I am delighted with your services and professionalism and have been a loyal client for a certain number of years.
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.
St. Gallen
Super nice and accommodating 👍
Lugano
Sono rimasto molto contento e soddisfatto grazie infinite.
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 5'000 – CHF 300'000 |
| Possible durations | 12 – 120 Months |
Legal notice: Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG). Consumer loans are subject to a statutory right of withdrawal of 14 days from the date of signing the contract (Art. 16 KKG). Creditworthiness assessments are carried out in accordance with the Consumer Credit Act and the banks' internal guidelines. The statutory maximum interest rate has been 10 % for cash loans and 12 % for overdrafts since January 1, 2026. All information is provided without guarantee; the actual terms and conditions depend on creditworthiness and bank assessment.
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.
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
Excellent, straightforward advice. Thank you for your patience, Mehmet Ünlütepe
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
Very obliging. Everything went smoothly, although the requirements were changed several times
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
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.
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!
Service impécable , rapide et très compétent. Je recommenderais à mes amis.
Dietikon
Good day. Everything is 100% for me. I am very satisfied with bestfinance. Thank you for everything.
Um excelente trabalho e sempre disponíveis a responder a todas as nossas questão... Um serviço rápido e eficaz....
Bellinzona
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
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 🙏
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.
I can highly recommend the Bestfinance team. Highest professionalism, great empathy and good manners. Very quick handling of the matter, personalised customer care, clear communication and 100 % commitment. Many thanks to the entire Bestfinance team and good luck for the future ;) Best regards🍀 Aleksandra
I would like to thank Mr Soares, he was quick and indeed all that was necessary for me to get the best offer. I recommend Best Finance
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.
St. Gallen
Super nice and accommodating 👍
Basel
The payment could not be executed immediately.
Fribourg
Le service chez Best Finance est excellent, orienté client. Il porte bien son nom. Monsieur Soares always finds the best solution for the client. Merci pour votre efficacité, votre réactivité et votre professionnalisme ! Bon vent dans les affaires et à bientôt.
Basel
Thank you very much...for your efforts...we are very grateful and our house in Sardinia is saved thanks to your bank loan.
A very nice day
Lugano
Sono rimasto molto contento e soddisfatto grazie infinite.
Zurich
I am very satisfied with your service.
My opinion is quite positive about your team, and your performance.
Lucerne
I was very satisfied, very friendly advice and quick action!
Gladly again or of course to recommend to others!
Many thanks
