Swiss credit - quick loan for employees and business owners 1

Swiss credit – quick loan for employees and business owners

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Here is a gist you should not miss! Swiss Credit is offering employees and enterpreneurs a way out of urgent matters that can only be solved with cash.

Swiss credit limited is a loan agency, licensed by the Lagos State Government to provide credit products and services to deserving Nigerians and also help suit the financial needs of clients.

When I used, “deserving members”, finance companies do not just give loans based on nationality and how long an applicant has lived in a particular region. There are bridges to cross, but it all comes easy and convenient, remember it is just a bridge.

No more worries about those piling bills, returned cheques, medical expenses, school fees, the need to improve your home or upgrade your certificate. Everyone hates to be given a cheque only to be returned by the teller, this is mostly caused by lack of adequate fund in the account’s owner. All that is now in the past, thanks to swiss credit.

I am totally against using a loan to start a business because it takes a while for a new business to start getting leads. It could be more effective when it is used to improve one’s business or add another line of product.

Most personal loans have a shorter repayment period, borrowers barely make headway in the new business before the loan providers start demanding for payback.
How do you pay back loan when you have already exhausted it on an income-generating asset, the cost of furniture and fitting, space and other miscellaneous expenses that are yet to return revenue? You should consider borrowing when you are already making regular sales or an authority in your chosen field.

If you are in paid employment, It is more appropriate for such to be used to upgrade certificates or obtain other skills. This could bring one step or two to being promoted in your place of work. In-demand skills could fetch you a reasonable amount of cash.

Here is the catch, asking you about what the loan is used for is just a formality most loan providers enjoy asking. Use the loan provided by swiss credit the way you want.

General requirements to qualify for swiss credit loan

  • People working in banks, oil and gas, telecommunication, and some blue-chip companies are eligible to apply for the loan.
  • Applicants must be earning not less than N70,000 per month to qualify for loan.
  • A guarantor from a reputable company is required to get a loan from swiss credit.
  • The guarantor’s salary must be enough to cover the loan.
  • Loan can only be one at a time.
  • Borrower must be in the age bracket of 20 to 65 years.
  • Applicants can only access between N100,000 to N1,000,000.

Swiss Credit Products

Salary advance loan

You can no longer wait for the payday and need emergency loan to sort things out? Salary advance loan can give you a quick fix.

Features

  • 30 days repayment period.
  • It is only for salary earners.

Requirements

  • Completed application form.
  • Means of ID such as national id card, voters card and drivers license.
  • Applicant must live and work in lagos.
  • Utility bill (Not more than last 3 months)
  • One guarantor and Company’s ID.
    6 months bank statement.
  • Completed and signed NUBAN cheque.
  • Letter of confirmation of employment or promotion letter
    A passport photograph.

Swiss personal loan

You don’t have to pass through that much stress just because of financial needs like school fees, home improvement, etc. Swiss credit can be that umbrella for you.

Features

  • Have the cash delivered quickly.
  • Competitive interest rate.
  • It is only for people in paid employment.
  • Flexible payments plan for 1 to 12 months.

Requirements

  • One recent passport photograph.
  • Employment letter and recent utility bill.
  • Signed and completed NUBAN cheque.
  • Completed loan application form.
  • Staff ID and 6 months bank statement.
  • Must live and work in Lagos.

Swiss estate project finance

Do you want to renovate, upgrade, expand or maintain a residential property but you have no cash to spare? Go with swiss credit and make that dreams come true.

Features

  • It is quick and convenient to get a loan.
  • Competitive interest rates up for grab.
  • Loan tenure up to 12 months

Requirements

  • Proof of business and backed up by necessary documents.
  • Personal guarantee by the estate’s owner.
  • Completed application form.
  • Signatories on NUBAN cheques that cover the loan repayment periods.
  • Official letter of indebtedness by estate. managers and signed by the board of directors.
  • Evidence showing the business is viable.

Swiss LPO Finance

Do you own a business or in contractual partnership with a team of people and you need emergency money for a local purchase order or for a project?

LPO finance is basically for business persons who do not have enough working capital to carry out their day to day operation. Swiss credit offers loan between N200,000 to N5m with payment spread from a month to 3 months.

Features

  • One guarantor.
  • Flexible and convenient repayment period.
  • Competitive interest rate.

Requirements

  • One passport photograph.
  • A government-issued ID card.
  • Nuban cheques bearing signatories.
  • Bank’s statement of last 6 months.
  • Original copy of the local processing order.
  • Board resolution, if it is a corporate customer.
  • Completed loan application form.
  • Guarantee from the business owners.
  • A guarantor of vast importance who lives and works in Lagos.

Swiss school finance project

Do you run, own or manage a private school and need money to upgrade, expand, maintain and renovate the facility? This is a product you should check out.

Features

  • Quarterly repayment period.
  • Flexible payment plan.
  • Fair interest rate.
  • Working capital can be used for payment of salaries, stationaries, purchase of generating sets and laboratory equipment, furnishing of library, etc.

Requirements

  • One year statement of account.
  • The school must have been in operation for at least 10 years.
  • Certificate of corporation and particulars of directors form co7.
  • Board resolution signed by at least 2 directors in which one of them is a shareholder.
  • Valid means of ID of at least 2 directors.
  • Memorandum and articles of association.
  • Official consent from other shareholders.
  • Duly signed loan application form.
  • A passport photograph.
    Personal guarantee by the shareholders.

How to apply for swiss credit loanSwiss credit

  1. Go to swiss credit official website.
  2. Click on the menu and locate “loan application
  3. Complete the registration and the team will respond in a few minutes.
  4. You can also apply by calling their helpline, send an email or visit swiss credit’s office address.

Do note that there is nothing like swiss credit bank but you can get all support using their contact channels or at the office.

Swiss credit contact details

Conclusion

It is actually difficult to choose between the ones available on google play store and swiss credit.

Swiss credit despite all its several product features does not have all the comforts that come with the loan apps.

On the forefront, it lingers towards the salaried workers but based on the available product features, owners of vast properties and businesses can also apply.

Having mentioned loan apps, you can get up to 720,000 on Aella Credit. Its app is available for download on play store and ios. Renmoney offers up to N4m depending on your income and without the need to provide security. For what it is worth, one could can’t ignore the remarkable changes in swiss credit during the recent periods.


About the Author: Ayobami Ola

Hi there! My name is Ayobami and I am a writer. I provide quality reviews and more simplified information about products and services. I am your number one stop source for all you missed.

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