More efficient financing for SMEs: IFZ Study on SME Loans 2025
How do small and medium-sized enterprises experience the lending process, and how does their perspective differ from that of financial institutions? The new IFZ study “KMU Banking 2025 – KMU Kredite” provides valuable insights into the financing realities of Swiss SMEs. Based on in-depth interviews with banks and alternative lenders, the study reveals perception gaps, process barriers, and opportunities for optimization in the SME lending business.
Discover more about:
- the development of lending volumes and the role of banks and alternative providers in Switzerland’s SME financing market
- the most common reasons for loan rejections, process hurdles, and the differing views of SMEs and banks
- practical approaches to digitalization, automation, and the use of AI in credit processes
- strategic considerations such as sourcing models and new digital business models for banks
- actionable recommendations for SMEs and financial institutions to enable efficient, customer-focused lending
Study insights
Comparing lending processes: SMEs vs. Banks
How SMEs and banks perceive the same lending process differently – and the misunderstandings that arise as a result.
Challenges and reasons for rejection
From missing documentation to unrealistic expectations: the key reasons why loan applications fail.
Potential through digitalization and AI
How digital tools and artificial intelligence can make lending processes more efficient and transparent.
Strategies for the future of SME financing
Sourcing models, new platforms, and practical recommendations for banks and SMEs – hands-on and forward-looking.
Download the study now:
Only available in German.
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Head Banking Innovations
Roger Zuberbühler
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