What is the Kamuno credit line?

Kamuno's credit line is not a classic one-off financing, but a flexible financing solution that adapts to your everyday business: After a short online check, your company is granted a credit line up to a certain amount. Within these limits, you can withdraw money at any time; exactly when and only as much as you really need.

Interest and fees are only payable on the amount actually used, not on the entire approved amount. This ensures full transparency and avoids unnecessary costs.

Minimum purchase and flexible use: This is how it works in detail

When the credit line is opened, at least 50% of the approved amount is paid out immediately. The remaining 50% remains flexible: depending on your individual situation, you decide whether you want to use this part in full, in part or not at all. This allows you to combine immediate liquidity with strategic freedom for future ventures.

This structure creates stability without tying you down. The Kamuno credit line is liquidity exactly when you need it: not sooner, not later.

This is how the process works: Simple. Digital. Fast.

1. Initial assessment online:

Enter a few company key figures and receive a non-binding estimate of your possible loan amount in a few seconds.

2. Application & Review:

Submit the required documents digitally. Kamuno will then check your details within a few days.

3. Opening & Payout:

After a positive check, the credit line will be opened and you will receive at least 50% of the sum paid out directly.

4. Flexible use:

The remaining amount remains as a reserve and can be called up at any time, even in several stages.

Kamuno thus offers SME financing that is not only digital, but also noticeably uncomplicated.

A practical example

A transport company from eastern Switzerland was faced with a bottleneck in the autumn: several customers had transferred their payments late, and at the same time a new delivery van had to be purchased urgently in order to be able to serve a large order on time.

The bank reacted slowly, despite the request for a quick processing. Within a few days, the company received a credit line of CHF 150,000 via Kamuno. At the start, CHF 75,000 (50%) was paid out directly – enough to finance the vehicle and cover running costs.

The company initially left the remaining CHF 75,000 unused. When new orders came in in the spring, it was able to call up a further CHF 30,000 to increase staff at short notice. The rest remained as a safety buffer (free of charge as long as the money is not used).

The result: predictability, liquidity and peace of mind in day-to-day business.

Why this solution makes sense for SMEs

• Liquidity as needed: Capital is available when you need it – without long-term overfinancing.
• Transparent costs: You only pay interest and fees on the amount used.
• Speed: Digital processes replace lengthy bank routes.
• Flexibility: The second part of the credit line remains available as a reserve in the event of market opportunities or bottlenecks.

Frequently asked questions about the Kamuno credit line

What is a credit line?

A credit line is a fixed amount that your company can flexibly dispose of – similar to a current account, but clearly structured and transparent. You decide for yourself when and how much you withdraw.

When does it make sense to apply for a credit line?

A credit line is particularly suitable for SMEs with seasonal fluctuations, irregular income or short-term investments. Instead of taking out a new loan every time, the capital is already ready when you need it, without any further application processes.

How does the Kamuno credit line differ from a classic loan?

With the classic loan, the entire sum is paid out at once – with the Kamuno credit line, on the other hand, only at least 50%, the rest remains available as a reserve. So you only pay interest on what you really use.

How long does the application process take?

The digital initial assessment is immediate. The subsequent check usually takes only a few working days: much faster than with a conventional bank.

What documents are required?

For the initial assessment, a short digital entry of your key figures is sufficient. If you submit an application after that, annual financial statements for the last two financial years as well as current financial figures are usually required. Use the Kamuno Credit Line Check tool for an initial assessment at any time and receive a non-binding assessment of your possible credit line in just a few minutes.

Conclusion

Kamuno's credit line for SMEs in Switzerland combines the advantages of a classic loan with the flexibility of a modern, flexible financing solution. It creates liquidity, independence and security – exactly what many entrepreneurs need in volatile times.