Self-employed financing
Independent Loan
for your success
MONTHLY PAYMENT FROM CHF 0.00
Apply for your Independent Loan 100% online and finance your professional projects. Lica supports you in growing your business – whether you wish to invest, modernize, or strengthen your cash flow.
The advantages of the
Independent Loan
Choosing an Independent Loan in Switzerland with Lica means accessing financing designed for entrepreneurs, freelancers, and craftsmen. You benefit from a fast process, competitive rates, and personalised support to grow your business with peace of mind.
Processing your request without delay
Your Independent Loan request is handled immediately so you receive a clear and prompt response.
Flexible financing options
Choose your amount, term, and monthly payments. You benefit from a loan perfectly suited to your business.
Security and confidentiality
All your data is protected: your Independent Loan application is 100% secure and strictly confidential.
Customer satisfaction at 99%
With a 99% satisfaction rate, our clients appreciate our service and the reliability of our Independent Loan solution.
Boost your business growth!
Develop your professional projects with the Independent Loan
The Independent Loan is a modern and flexible solution that gives you quick access to the financing you need to expand your business, launch a project, or strengthen your cash flow. Move forward with confidence, supported by a trusted partner at your side.
In addition, this type of financing gives you the freedom to set the amount, term, and instalments according to your goals. You can adapt every detail to the reality of your business and enjoy unique flexibility to support your growth. This way, you manage your expenses while structuring your finances smartly and efficiently.
At Lica, your financing request is simple, fast, and fully secure. You benefit from attractive rates, personalised support, and priority processing.
A solution designed for the self-employed
Your Independent Loan in key figures
Independent Loan
in three steps!
With Lica, getting financing in Switzerland has never been easier. Our online process ensures professional funding that is flexible, transparent, and fast to obtain.
I
Complete your online application
Fill out your file in just a few minutes and upload your documents directly through our secure platform. The process is non-binding and gives you access to a flexible financing solution designed for the self-employed.
II
Receive a tailored offer
We analyse your profile and work with our banking partners to secure the best market conditions for you. You benefit from an Independent Loan perfectly aligned with your professional goals, featuring attractive rates and transparent terms.
III
Get your financing
Once your application is approved, the funds are transferred to your account without delay. You then have the capital needed to invest, grow, or strengthen your business. Lica supports you in managing and adjusting your loan as your projects evolve.
Reviews that reflect our commitment
They chose Lica for their Independent Loan
Those who trust us highlight the simplicity of the process, the availability of our advisors, and the quality of our support. Their experience shows that with Lica, an Independent Loan is more than just financing – it’s genuine support to achieve and grow their professional projects.
I recommend it to everyone.
You fought for over 4 months to get us this contract, you're really great.
You're the best
He has incredible patience, î explains things patiently and is always there to help you without a doubt.
Thanks to Xavier for the incredible work he does for me ✨
FAQ about the Independent Loan in Switzerland
Still have questions before applying for your Independent Loan? Find here the answers to the most common questions to move forward with confidence towards a simple and advantageous financing solution.
What is an Independent Loan and who is it for?
The Independent Loan is a financing solution designed specifically for self-employed workers, entrepreneurs, and freelancers. It combines flexibility and financial freedom, allowing quick access to the funds needed to grow your business, invest in equipment, or manage a transition period. Whether you want to support your company’s growth, finance a professional project, or strengthen your cash flow, this tailored loan is designed for your success.
Who can benefit from an Independent Loan in Switzerland?
If you are self-employed, an entrepreneur, or manage a business in Switzerland, you can apply for an Independent Loan. Whether you work as a craftsman, freelancer, or run a small or medium-sized business, this type of financing is an ideal solution to support your professional projects. You must, however, demonstrate at least two years of professional activity and have a regular income from that activity. Even if your situation is unique, our specialists review each application individually to provide a solution tailored to your independent profile.
What amounts can I obtain with an Independent Loan?
In Switzerland, the amount of an Independent Loan can range from CHF 3'000.- to CHF 400'000.-, depending on your business activity and repayment capacity. With Lica, you define the ideal amount based on your professional needs — whether to finance an investment, purchase equipment, or strengthen your company’s cash flow. Our advisors work with you to create a solution tailored to your budget and goals. You benefit from flexible, advantageous financing designed to sustainably support your independent activity.
What is the interest rate of my financing?
The interest rate of an Independent Loan varies depending on your financial profile, the stability of your business, and the bank that agrees to finance you. Thanks to its network of partners, Lica negotiates preferential, transparent, and tailored conditions for your professional situation. You thus benefit from competitive rates that reduce the overall cost of your financing. A transparent and personalised approach that allows you to obtain a truly advantageous loan to grow your business with peace of mind.
How long does it take to receive my funds?
After signing the contract, your loan funds are transferred to your account once the legal 14-day period has passed. With Lica, the process remains fast and efficient: the application is completed online in just a few minutes, processing begins immediately, and approval is granted without unnecessary delay. You quickly gain access to the liquidity you need to grow your business, invest in new projects, or strengthen your cash flow, with personalised support every step of the way.
Can I pay off my financing early?
Yes. Swiss law allows you to repay an Independent Loan at any time, either partially or in full, without any penalties or additional fees (LCC). This flexibility gives you the opportunity to reduce remaining interest and achieve significant savings. You naturally retain all the benefits of your financing, and your financial situation becomes lighter. At Lica, we encourage this management freedom so that your loan remains a true tool to support your business.
Are there any processing fees for my loan?
No. With Lica, your financing application is completely free and involves no processing fees or hidden costs. We prioritise transparency: our remuneration comes exclusively from our partner banks. You therefore benefit from personalised, professional support without paying any extra fees, while accessing advantageous financing for your independent activity.
What documents are required to apply for a loan?
To apply for an Independent Loan, only a few supporting documents are needed. Generally, these include a copy of your ID, your latest tax return, and proof of residence. Depending on your situation, some banks may also request additional documents related to your professional activity. In such cases, Lica assists you at every step to quickly gather the required information. With our support, preparing your file remains simple, clear, and fast, allowing you to obtain your financing without complications.
Can I deduct the interest from my taxes?
Yes. In Switzerland, the interest paid on an Independent Loan can be deducted from your taxable income. This deduction directly reduces your annual tax burden and helps you optimise your business’s financial management. With Lica, you benefit not only from financing tailored to your professional needs but also from a tangible tax advantage that improves your company’s profitability while supporting its growth projects.
With a trusted partner for your Independent Loan
Working with Lica means receiving human, expert, and fully confidential support. That’s why we assign you a dedicated advisor from the very beginning. You benefit from personalised guidance, quick handling, and clear follow-up at every stage. From the first contact to contract signing, we remain discreet and efficient. In short, you enjoy tailor-made support from start to finish.
Manuel Ognissanti
“My goal is to simplify your journey! I support you at every step with transparent and independent advice. This way, you move forward with peace of mind, confident you’ve made the right choice.”