Updated 23.05.2024

Cash facility agreement 

Line of credit with the option of borrowing up to the limit, without having to reach it, interest-free or with simple or compound interest.

Use this contract: 

  • To give the borrower the option of applying for loans up to the limit, as needed.
  • Whether the loan is interest-free, with simple or compound annual interest, or one-off interest.
  • Whether you lend in Swiss francs or foreign currency, in any amount.




This contract is governed by Swiss law and complies with commercial and financial regulations

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Protect yourself legally as a lender with the following options: 

  • Stipulation of the conditions precedent to the granting of credit and request for the creation of a real or personal security to guarantee repayment. 
  • Prohibition on selling significant assets, taking on debt or giving more advantageous security to third-party creditors. 
  • Obligation to regularly confirm declarations, disclose financial statements or tax returns, subject to immediate termination. 
  • Interest on arrears and reminder charges in the event of late payment, with the borrower obliged to cover any legal costs in the event of enforcement. 
  • Immediate termination in the event of a change of control, bankruptcy or insolvency of the borrower. 

Safeguard your interests as a borrower by using the following clauses: 

  • Possibility of early repayment, in full or in part, with cessation of interest. 
  • Flexible calculation of simple interest with the option of a single or regular payment. 
  • Option to specify a single interest rate that does not depend on the term of the loan. 
  • Option to accumulate compound interest at different periods. 
  • Limitation of reminder fees. 
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