In which situations is Kamuno the perfect solution for SMEs?
Carpenter Martin Meister is busy. His order books are full, but he is reaching his capacity limits. To manage the increasing demand, he needs a new CNC milling machine—an investment of 45,000 Swiss francs. His problem? Traditional bank financing would take weeks, with numerous appointments and document requirements. With Kamuno, it’s different: he sits down in the evening with his laptop, enters his company details, and uploads the necessary documents. The platform automatically retrieves commercial register information and checks his creditworthiness in just a few minutes. Within minutes, he receives an initial assessment, and within a few working days, a definitive approval for his loan, provided his financial situation allows it. Without long waits or complicated processes, he can order the new machine and continue to expand his business. Whether for new machines, inventory, digital transformation, or short-term liquidity shortages—Kamuno gives SMEs the opportunity to invest and grow quickly, modernly, and without unnecessary hurdles.
The procedure
Companies can use the platform online. The process is simple and efficient:
- Initial assessment in real time: Companies enter just a few key figures and receive an immediate assessment of the expected loan amount. No documents are required for the initial assessment.
- Non-binding offer in just a few minutes: With just a few details about the company, SMEs receive a non-binding offer and can decide whether they want to submit an application.
- If SMEs decide in favour of a loan, they submit the required documents and Kamuno checks the request according to specified guidelines.
After the credit enquiry:
- Loan approval within three to four days: If everything is in order with the application, SMEs receive approval and the contracts for digital signature within three to four working days.
- Immediate loan drawdown and disbursement: Companies can access their credit line directly after signing the contract and make loan withdrawals. They receive the disbursement from Kamuno to their business account.
Kamuno: Advantages for SMEs
Was Kamuno einzigartig macht, ist nicht nur die Geschwindigkeit der Kreditprüfung, sondern auch die Flexibilität in der Nutzung. Unternehmen erhalten sofort eine erste Einschätzung, ob sie kreditwürdig sind, und erfahren direkt ihren möglichen Kreditrahmen. Statt einen festen Kreditbetrag auf einmal aufzunehmen, können KMU bei Kamuno innerhalb dieses Rahmens flexibel Darlehen beziehen – genau so viel, wie sie gerade benötigen. Das bedeutet:
- The first disbursement amounts to at least 50 % of the authorised credit line
- The company can then call up further funds at any time - exactly as much as it needs.
- Costs are only incurred for the amount actually utilised - not for the entire credit line. This offers maximum financial flexibility: for example, a company can obtain a credit line of CHF 100,000, but initially only use CHF 50,000 for an investment. Later, if further funds are required, it can flexibly access the remaining 50,000 francs - without having to reapply and without incurring unnecessary costs. This dynamic financing solution gives SMEs more control over their liquidity and allows them to optimally manage their finances without tying themselves down for the long term or incurring unnecessary capital costs.
