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Meeting with your corporate banking advisor

To make the most of your time with your advisor, we recommend that you prepare for your meeting ahead of time. Coming prepared is the best way to make sure your request is handled quickly, whether you want to open an account, apply for a loan, or discuss your investments. 

Be open and honest – and make a good case

Our client relationships are based on attentive listening, trust, and a close knowledge of your company

  • Be realistic about your business plans
  • Speak with conviction
  • Be open and ready to answer difficult questions
  • Show that you’re a reliable and knowledgeable business owner
  • Demonstrate that you are able to raise capital or pledge collateral toward your project.

Bring the documents needed to process your reques

To get a quick turnaround on your request, you’ll need to bring the required supporting documents to your meeting with your advisor.

Some documents are required for all requests, while others are only needed if you’re not yet a BCV client, or for certain types of requests.

What documents do I need to bring?

For all loan applications

The following documents are generally required for all business loan applications:

  • Signed balance sheets and income statements (last three accounting periods)
  • Extract from the trade register
  • Extract from the debt collection office
  • Articles of incorporation
  • List of shareholders
  • Audit report (including the annex to your financial statements, if you have a public limited company)
  • Operating budget
  • Cash-flow projection
  • Tax statement
  • Business plan

There are several useful tools on our website that can help you prepare these documents, such as our model business plan and cash-flow projection. You may also choose to consult with an accountant or fiduciary and even bring them to the meeting with your advisor.

  • Documents required for all business loans
  • Capital investment plan
  • Supplier’s offer
  • Description of the equipment

  • Documents required for all business loans
  • PEIK certificate or copy of the decision granting a cantonal subsidy for the equipment
  • Capital investment plan
  • Supplier’s offer
  • Description of the equipment

  • Documents required for all business loans
  • Extract from the land registry
  • Site planItemized fire insurance policy
  • Deed of sale or provisional sales agreement
  • Rental income projection (for properties intended for rent)
  • Copy of provisional condominium deed of incorporation and regulations, if applicable

  • Documents required for all business loans

  • Extract from the land registry
  • Site plan
  • Itemized fire insurance policy
  • Detailed construction specifications
  • Signed building plans
  • Cost estimates or budget, itemized by construction trade according to the Code of construction costs (CFC)
  • Building permits
  • Financial plan showing equity capital (see an example on our site)
  • Rental income breakdown (for properties intended for rent)
  • Copy of provisional condominium deed of incorporation and regulations, if applicable

  • Documents required for all business loans
  • Extract from the land registry
  • Site planItemized fire insurance policy
  • Signed renovation plans
  • Cost estimates or budget, itemized by construction trade according to the Code of construction costs (CFC)

  • Documents required for all business loans
  • CECB+ certificate from Romande Energie or copy of the decision approving a cantonal subsidy for the renovation to be financed
  • Extract from the land registry
  • Site planItemized fire insurance policy
  • Signed renovation plans
  • Cost estimates or budget, itemized by construction trade according to the Code of construction costs (CFC)

Your advisor can help you decide what kind of bank accounts you will need. To do this, they will need to know:

  • Your cash-flow and liquidity needs (withdrawal amounts, time horizon for cash availability, etc.)
  • Your needs for making and receiving payments and how you want to handle them (electronic payments, cards, etc.)Your desired business currency

To determine your investor profile, your advisor will need to know your investment goals. To do this, they will ask you about:

  • The amount you wish to invest
  • Your investment horizon (e.g., 3 months, 3 years, 10 years)
  • Your risk appetite, which will also determine your potential return

  • If the security deposit is for an individual, they will need to provide the following documents:
  • Salary certificate
  • Extract from the debt collection office
  • Tax statement

Building a banking relationship for the long term

Long-term banking relationships require regular contact. We recommend that you let your advisor know about any upcoming major developments in your business. You can even provide them with regular updates on your business. And if you run into a problem or spot a potential issue, contact your advisor right away. They will be happy to work with you to find a solution and provide the resources you need to ensure the long-term success of your business.

 

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