Bridging loan comparison: The best & cheapest bridging loan in Switzerland – Calculate and request directly online

Es kann sowohl bei Unternehmen als auch bei Privatpersonen schnell vorkommen, dass man kurzfristig finanzielle Mittel benötigt, um eine Lücke zu überbrücken. Sei es für unerwartete Ausgaben, zur Sicherstellung der Liquidität in schwierigen Zeiten oder weil sich fest eingeplante Einnahmen verzögern: Ein Überbrückungskredit kann hier die ideale Lösung sein. Bei uns erfahren Sie alles, was Sie über diese Zwischenfinanzierungen wissen müssen – vor allem finden Sie die besten Überbrückungskredite in der Schweiz hier bei

Bridging loan

Calculate your bridging loan with our bridging loan calculator

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Compare bridging loans with – How it works

At, we understand that the search for the right loan can often be complex and time-consuming. That is why we have developed a simple and efficient process to make it as easy as possible for you to compare and select bridging loans.

Credit calculator

1. calculate desired loan

Our first step is to calculate your desired bridging loan. Thanks to our intuitive online calculator, you can find out which loan options are available to you in just a few clicks directly on our website. Simply enter your desired loan amount and term and our calculator will do the rest. You can also use the interest rate slider to test how different interest rates would affect your loan.

Credit inquiry

2. fill in and send off your credit application

Once you have an idea of the loan you want, the next step is to fill out the application form. This process is completely online on our website and only requires some basic information about your financial situation. As soon as you have sent the application, we will start work.

Credit comparison

3. we show you the best and cheapest offers

As soon as we receive your request, our experts will search through the available credit offers in Switzerland to find the most favorable options for you. We compare various providers and conditions to ensure that you receive the best offer.

Loan disbursement

4. you choose the best loan offer and receive the money

Finally, we present you with a selection of the best credit offers. You then have the freedom to choose the offer that best meets your needs and expectations. Once you have made your selection, the loan process is completed and the desired amount is paid out to you.

Bridging loan: definition and basics

A bridging loan is a short-term financing solution that is becoming increasingly popular in Switzerland. This loan is typically used to close temporary financing gaps, for example until a longer-term loan is paid out or while waiting for income from real estate sales or other transactions. The key to a bridging loan is its short-term nature and flexibility, which makes it an attractive option for both private individuals and companies.

Bridging a river

What is a bridging loan?

In short, a bridging loan is a short-term loan that is used to cover immediate financial needs until more permanent financing is found. Terms usually vary from a few weeks to several months, with loan amounts and interest rates varying depending on the lender and your financial situation.

Differences to other types of loan

The main difference between a bridging loan and other types of credit is the short term and the speed of availability. While conventional loans often have lengthy approval procedures and fixed terms, bridging loans are characterized by their flexibility and fast processing. This makes them ideal for short-term financial needs where time is of the essence.

Another difference is that often (but not always) the loan is not repaid in monthly installments, but in a single, but complete repayment.

Calculate bridging loans online in Switzerland

In today’s digital era, it is more important than ever that credit processes are quick and uncomplicated. That is why offers an online calculation for bridging loans. This service allows you to explore and calculate different loan options from the comfort of your own home without having to physically visit a bank.

The best bridging loans in comparison

Choosing the right bridging loan can be crucial, whether it’s for a business or a private household. At we have made it our mission to help you find and compare the best offers on the market. We take various factors into consideration to ensure that you can make an informed decision. The best bridging loan is not necessarily always the one with the lowest interest rates, as flexibility is also a decisive factor for many borrowers.

Criteria for the comparison

With our loan comparison of bridging loans, we take various criteria into account in order to give you the best possible recommendation. These include interest rates, the flexibility of the borrowing and repayment conditions and the speed of loan approval. We also consider the reputation and reliability of lenders to ensure that you are working with a trustworthy partner.

Find the most favorable credit offers

Our aim is to offer you not only the best, but also the most favorable bridging loans. We continuously analyze and compare market conditions to ensure that our customers have access to the most competitive offers. Thanks to our excellent relationships with numerous Swiss lenders, we will find the most favorable bridging loan for your specific situation.

Bridging loan: possible uses and terms

Bridging loans are versatile and offer solutions for a variety of financial challenges. Whether it’s to finance a new project or to bridge a temporary liquidity shortfall like many companies experienced during the height of the Covid-19 crisis, the flexibility of a bridging loan makes it a popular choice.

Typical use cases

A bridging loan can be used for a wide variety of purposes. These include:

  • the pre-financing of real estate purchases
  • the bridging of sales proceeds
  • the financing of renovation work
  • the coverage of unexpected expenses

The possible applications are diverse and can be individually adapted to your needs.

3-month and 6-month loans: advantages and disadvantages

Short-term bridging loans such as 3- or 6-month loans offer specific advantages such as quick availability and lower overall interest costs. The term is a decisive factor here, if you consider that a bridging loan for 6 months logically costs twice as much in interest as a bridging loan for 3 months.

However, it is important to ensure the ability to repay within these short periods. Although long-term loans involve higher interest costs, they also offer more flexibility when it comes to repayment.

Bridge financing: a special form of bridging loan?

Bridge financing is a specific type of bridging loan that is used in the real estate sector in particular. They are used to bridge the time until the final financing or the proceeds from the sale of a property are available.

However, this is only the most common definition of bridging finance. In many parts of the population, bridging finance is also seen as synonymous with bridging loans.

When does interim financing make sense?

Interim financing is particularly useful if you are waiting for long-term loans to be paid out or for sales proceeds, but have immediate payment obligations. This can be the case in particular when pre-financing a property purchase if the sale of an existing property has not yet been completed.

In Germany, bridging finance is also frequently used within the framework of the building society savings contract, which is traditionally very popular there Interested parties often do not want to delay the purchase of their dream property any longer, even though their home loan and savings contract is not yet due for payment. This is where the short-term loan often comes in handy to literally “bridge” the time until payment. The most important condition for the bridging loan is in any case given: the absolutely secure repayment of the loan through an already fixed income in the future.

Differences to traditional bridging finance

Compared to other bridging loans, interim financing is often larger and has a slightly longer term. As a rule, it is specifically geared to the financing of real estate projects (cf: Real estate loans ) and can have different conditions in terms of interest rates and repayment terms.

FAQ: Frequently asked questions about bridging loans

Bridging loans are a complex subject and it is natural that you will have questions. Here we answer some of the most frequently asked questions to provide you with better orientation.

How high is the interest on a bridging loan?

The interest rates for bridging loans vary depending on the lender, your credit rating and the term of the loan. In general, the interest rates for short-term loans are higher than for long-term loans, but they can be effectively minimized through rapid repayment and are therefore not as significant as for longer-term loans.

Can anyone apply for a bridging loan?

In principle, the option of a bridging loan is open to both private individuals and companies, although the exact requirements vary from lender to lender. Factors such as income, creditworthiness and the purpose of the loan play a significant role in the granting of a loan or, when it comes to corporate financing, the financial situation of the company, such as equity or cash flow figures.

What happens if I cannot repay the loan on time?

It is important to fully understand the repayment terms before taking out a bridging loan. If you have difficulties with repayment, it is advisable to contact the lender as soon as possible to find a solution. Possible solutions would be, for example:

  • New bridging loan
  • Extension of the existing bridging loan

Which banks offer bridging loans?

In Switzerland, many banks and financial service providers offer bridging loans. At, we have excellent contacts with all major lenders. That’s why we make it easy and convenient for you to compare and find the right one for you.

How long does a bridging loan last?

As the name suggests, bridging loans are not loans with particularly long terms. Periods of between 3 months and 24 months are more common. However, there is no really hard lower limit – interim financing for periods of e.g. 2 weeks is also conceivable in principle.

Requirements and process for applying for a bridging loan

Applying for a bridging loan in Switzerland is a clearly structured process. To ensure a smooth process, it is important to understand the requirements and steps involved in applying for a loan.

Necessary documents and information

To apply for a bridging loan, you as a private individual generally need proof of your income and financial situation, such as payslips, a self-disclosure statement and statements of your financial transactions. These documents help lenders to assess your creditworthiness and ability to repay.

As a company, meaningful documentation on the financial situation is required. This primarily includes liquidity planning but can also extend to the profit and loss account and balance sheet.

Steps to a successful loan application

Signature credit agreement

The process begins as described above with the calculation of your desired loan, continues with the submission of your non-binding inquiry form, followed by the selection of the appropriate loan offer from the comparison we have prepared for you and the submission of your application documents. Once your documents have been checked and your credit rating assessed, the loan agreement is ready to be signed. As soon as all the formalities have been completed, the loan amount is paid out.

In summary, the path to a bridging loan is as follows:

  1. Calculate desired loan
  2. Send request
  3. Select credit offer
  4. Submit documents
  5. Sign a loan agreement
  6. Receive money

Advantages and disadvantages of bridging loans

As with any financial product, there are both advantages and disadvantages to bridging loans that need to be considered before deciding on this type of financing.


The advantages of bridging loans lie in their speed and flexibility. They can be provided quickly and offer a short-term solution to overcome financial bottlenecks. This can be particularly useful if you are waiting for funds to be disbursed or want to take advantage of an unexpected opportunity. The bridging loan can cover the short-term liquidity requirement and thus solve the bottleneck.


The disadvantages include higher interest rates compared to long-term loans and the need for quick repayment, which can create financial pressure. It is important to check the conditions carefully and ensure that you can repay the loan within the agreed term.

Alternatives to the bridging loan

Although bridging loans can be useful in many situations, there are cases where other forms of financing may be more suitable. It is important to look at all the options available to find the best solution for your specific needs.

Installment loans as an option

Installment loans such as the classic personal loan for natural persons or an investment loan for companies are a popular alternative to bridging loans, especially if you prefer a longer repayment period and lower interest rates. They are well suited to situations in which you prefer a predictable monthly installment as a repayment to paying off the loan completely in one go and the financing requirement exists over a longer period of time. When deciding what is better for you, it is advisable to obtain detailed information and take advantage of our professional advice in order to find the best financing solution for your individual situation. Please send us a short message to – and we will get back to you as soon as possible.