Swiss Industrial AI Company – CHF 300,000 Growth Loan

Senior secured financing for commercial expansion and software commercialization

A profitable Swiss industrial technology company is seeking a CHF 300,000 growth facility to expand its commercial activities, bring proprietary industrial AI products to market, and support working-capital requirements.

The company combines process engineering, industrial IT/OT, artificial intelligence, and software development to improve operational and energy efficiency in complex industrial environments.

- Facility: CHF 300,000 senior secured growth loan

- Indicative tenor: 48 months

- Indicative interest rate: 8.0%-8.5% per annum, fixed

- Repayment: Initial ramp-up period followed by amortization

- Proposed security: Assignment of eligible trade receivables, subject to final documentation

- Primary repayment source: Cash generation from the established engineering and industrial-services business

- Existing senior debt: None reported

- 40% – Commercial expansion: Business development and targeted account acquisition in European markets

- 40% – Product commercialization: Security, compliance, intellectual-property protection, and cloud infrastructure

- 20% – Working capital: Support for enterprise receivable cycles and project-delivery requirements

Market opportunity

Industrial companies have invested significantly in AI pilots, analytics, digital transformation, and operational technology. Many nevertheless struggle to convert these initiatives into scalable systems that generate measurable value across factories and business units.

The company addresses this gap by integrating industrial-domain expertise, process engineering, operational data, and AI-enabled software. Its focus is the practical deployment of AI within industrial operations rather than isolated proofs of concept.

Competitive positioning

The company differentiates itself through:

- Engineering-led industrial AI expertise

- Experience in complex and energy-intensive industries

- Integration of process engineering, industrial IT/OT, AI, and software

- An established and profitable services business

- A transition strategy toward recurring software revenue

- An experienced management team with substantial industrial and technical expertise

| CHF | FY2025 |

| Revenue | Approximately 1.57M |

| Gross profit | Approximately 807k |

| Gross margin | 51.4% |

| EBIT | Approximately 295k |

| EBIT margin | 18.8% |

| Net income | Approximately 258k |

| Year-end shareholder equity | Approximately 380k |

Revenue increased by approximately 70% from FY2024 to FY2025. The requested facility is approximately equivalent to FY2025 EBIT.

The stated year-end equity precedes a proposed shareholder transaction. Financing materials indicate that the transaction is intended to be settled primarily through a noncash offset against shareholder balances, with the residual balance expected to be subordinated to the senior facility.

Management forecast

| CHF | 2026 | 2027 | 2028 |

| Revenue | 1.40M | 2.00M | 2.50M |

| Gross profit | 700k | 1.04M | 1.25M |

| Gross margin | 50% | 52% | 55% |

| EBIT | 100k | 240k | 350k |

Management expects a temporary reduction in revenue and profitability during 2026 as the company invests in commercialization and responds to lower project assignments from existing clients.

Growth from 2027 onward assumes continued expansion of the engineering business and an increasing contribution from recurring software revenues.

Commercialization roadmap

- Complete security and compliance infrastructure

- Expand commercial activity across selected European markets

- Begin commercial deployment of the first proprietary industrial AI product

- Continue developing the second software platform

2027

- Expand recurring subscription revenues

- Introduce additional automated industrial workflows

- Grow the customer base across selected European markets

- Increase the contribution of software revenue to the overall business

- Established and profitable operating business

- Strong FY2025 revenue growth

- 51.4% gross margin and 18.8% EBIT margin

- No existing senior debt reported

- Repayment intended to be supported primarily by established services revenue

- Future software revenue represents growth upside rather than the sole repayment source

- Proposed receivables-based security

- Recent official register documentation showed no registered debt-enforcement proceedings or loss certificates

- Clear and identifiable use of funds

Principal risks and mitigants

- Customer concentration: Commercial investment is directed toward customer diversification across sectors and markets.

- Lower 2026 performance: The management forecast already reflects reduced revenue and profitability during the investment period.

- Commercialization risk: The established engineering and services business remains the intended primary repayment source.

- Working-capital timing: A dedicated portion of the facility is allocated to enterprise receivable cycles.

- Shareholder transactions: Residual shareholder balances are expected to be subordinated, with cash distributions subject to lender protections.

- Execution and compliance: Financing is allocated to the security, compliance, IP, and infrastructure work required for commercialization.

- Industrial-sector exposure: The company intends to diversify across industrial sectors and geographic markets.

This summary is provided solely for preliminary discussion with qualified lenders, investors, and professional advisers. Certain identifying information has been withheld for confidentiality reasons and may be provided to eligible parties following appropriate verification and confidentiality arrangements.

This document does not constitute an offer, investment recommendation, solicitation, or commitment to lend. Historical figures are based on signed statutory accounts. Forecasts, milestones, repayment assumptions, and financing terms are management estimates or indicative proposals and remain subject to due diligence, credit approval, and definitive documentation.