Founded in 1968, FICAL Finanzierungs-Genossenschaft operates as a self-help organization for Swiss SMEs. Its primary mission is to support the real economy by making it easier for small and medium-sized businesses to obtain bank loans and credits. It achieves this by providing guarantees and sureties, effectively acting as a guarantor for its cooperative members. This model reduces the risk for lending institutions, thereby unlocking financing opportunities for businesses that might otherwise struggle to secure them. As a cooperative, it is owned by its members, who are also its customers.

Founded in

Switzerland