{"id":993039,"date":"2025-12-11T14:41:52","date_gmt":"2025-12-11T14:41:52","guid":{"rendered":"https:\/\/capiwell.ch\/?page_id=993039"},"modified":"2026-01-24T11:13:18","modified_gmt":"2026-01-24T11:13:18","slug":"guide-du-financement-des-pme-suisses","status":"publish","type":"page","link":"https:\/\/capiwell.ch\/fr\/perspectives\/guide-du-financement-des-pme-suisses\/","title":{"rendered":"Guide du financement des PME suisses"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"993039\" class=\"elementor elementor-993039\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85c7a38 e-flex e-con-boxed e-con e-child\" data-id=\"85c7a38\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2e54859 e-con-full e-flex e-con e-child\" data-id=\"2e54859\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-90824ed elementor-invisible e-con-full blur-background animated-fast e-flex e-con e-child\" data-id=\"90824ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;bottom&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:60,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8160c7 elementor-widget elementor-widget-heading\" data-id=\"f8160c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Votre Guide du Financement des PME Suisses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5975f7e e-con-full e-flex e-con e-child\" data-id=\"5975f7e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a9e8adb e-con-full e-flex e-con e-child\" data-id=\"a9e8adb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ac458d elementor-invisible animated-fast elementor-widget elementor-widget-heading\" data-id=\"9ac458d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Des banques aux pr\u00eateurs peer-to-peer : naviguer dans la nouvelle r\u00e9alit\u00e9 suisse<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf334f1 e-con-full e-flex e-con e-child\" data-id=\"bf334f1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d487b3e elementor-widget elementor-widget-text-editor\" data-id=\"d487b3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La mani\u00e8re dont les entreprises suisses trouvent des financements a rapidement \u00e9volu\u00e9 entre 2023 et 2025. La fusion entre UBS et Credit Suisse a supprim\u00e9 une option importante pour les entrepreneurs. Les taux d'int\u00e9r\u00eat ont chut\u00e9 \u00e0 0,01 % \u00e0 la mi-2025. De nouvelles r\u00e8gles ont \u00e9galement modifi\u00e9 la mani\u00e8re dont les banques \u00e9valuent les risques pour les entreprises technologiques et \u00e9cologiques.<\/span><\/p><p><span style=\"font-weight: 400;\">Ces changements ont compliqu\u00e9 la situation pour certains, mais ils ont \u00e9galement ouvert de nouvelles perspectives. Les banques traditionnelles sont devenues plus strictes. \u00c0 leur place, les plateformes num\u00e9riques se sont d\u00e9velopp\u00e9es. Ces nouveaux pr\u00eateurs offrent des r\u00e9ponses plus rapides et comprennent mieux les industries modernes.<\/span><span style=\"font-weight: 400;\"><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b573bd0 e-flex e-con-boxed e-con e-parent\" data-id=\"b573bd0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-973f7e4 e-con-full e-flex e-con e-child\" data-id=\"973f7e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cd6dedd e-con-full e-flex e-con e-child\" data-id=\"cd6dedd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-797af18 elementor-widget elementor-widget-text-editor\" data-id=\"797af18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Vous trouverez ici des informations sur les taux d'int\u00e9r\u00eat, la conformit\u00e9 et les tendances du secteur. Que vous soyez une start-up \u00e0 Zurich ou un fabricant en Valais, ce guide vous aidera \u00e0 trouver la bonne voie.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-6fe482e vamtam-has-icon-theme-styles elementor-widget elementor-widget-n-accordion\" data-id=\"6fe482e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accord\u00e9on. Ouvrez les liens avec Enter ou Space, fermez-les avec Escape et naviguez avec les touches fl\u00e9ch\u00e9es.\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1170\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1170\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Table des mati\u00e8res <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"vamtamtheme- vamtam-theme-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"vamtamtheme- vamtam-theme-arrow-dawn\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1170\" class=\"elementor-element elementor-element-177515d e-con-full e-flex e-con e-child\" data-id=\"177515d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d41201c elementor-widget elementor-widget-text-editor\" data-id=\"d41201c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ol><li><a href=\"#1\">Pourquoi les pr\u00eats suisses ont chang\u00e9 (2023-2025)<\/a><\/li><li><a href=\"#2\">Explication de vos options de financement<\/a><\/li><li><a href=\"#3\">L'avantage num\u00e9rique : rapidit\u00e9 et acc\u00e8s<\/a><\/li><li><a href=\"#4\">Financement sp\u00e9cifique \u00e0 l'industrie et pr\u00eats verts<\/a><\/li><li><a href=\"#5\">Ce que les pr\u00eateurs attendent de vous<\/a><\/li><li><a href=\"#6\">Conclusion : la voie intelligente \u00e0 suivre<\/a><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e896d7f elementor-widget elementor-widget-heading\" data-id=\"e896d7f\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"1\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi  <span class=\"color-accent-4\">cette modification des pr\u00eats en suisse (2023-2025)<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39260a4 elementor-widget elementor-widget-text-editor\" data-id=\"39260a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Trois changements majeurs ont boulevers\u00e9 le march\u00e9. Tout d'abord, la fusion entre UBS et Credit Suisse a laiss\u00e9 un vide. Credit Suisse \u00e9tait connue pour \u00eatre la banque des entrepreneurs. Apr\u00e8s son rachat, le volume des pr\u00eats accord\u00e9s aux petites entreprises a consid\u00e9rablement diminu\u00e9. De nombreuses entreprises ont perdu des lignes de cr\u00e9dit essentielles.<\/p><ul><li><b>Analyse approfondie :<\/b> <a href=\"https:\/\/capiwell.ch\/how-alternative-lending-helps-swiss-businesses-after-the-credit-suisse-merger\/\">Apr\u00e8s la fusion du Cr\u00e9dit Suisse et le l'UBS : comment les pr\u00eats alternatifs aident les entreprises suisses<\/a><\/li><\/ul><p>Deuxi\u00e8mement, les co\u00fbts d'emprunt ont atteint des niveaux historiquement bas. La Banque nationale suisse (BNS) a r\u00e9duit ses taux \u00e0 0,1 % d'ici 2025. Cela a rendu les pr\u00eats moins chers. Les plateformes alternatives proposent d\u00e9sormais des taux compris entre 4,91 % et 9,91 %. Les entreprises les plus solides remplissent les crit\u00e8res pour b\u00e9n\u00e9ficier de taux aussi bas que 0,81 % \u00e0 1,51 %.<\/p><ul><li><b>Analyse approfondie :<\/b> <a href=\"https:\/\/capiwell.ch\/snb-at-zero-what-switzerlands-2025-rate-cuts-mean-for-sme-borrowing-in-2026\/\">SNB \u00e0 Z\u00e9ro : Ce Que les Baisses de Taux de 2025 en Suisse Signifient pour les Emprunts des PME en 2026<\/a><\/li><\/ul><p>Troisi\u00e8mement, de nouvelles r\u00e8gles ont chang\u00e9 la donne. La FINMA a publi\u00e9 des directives strictes sur l'intelligence artificielle fin 2024. Si vous vendez des logiciels aux banques, vous devez d\u00e9sormais prouver que votre IA est s\u00fbre. Les banques doivent \u00e9galement g\u00e9rer le risque climatique, ce qui favorise les entreprises vertes.<\/p><ul><li><b>Analyse approfondie :<\/b> <a href=\"https:\/\/capiwell.ch\/a-guide-for-tech-companies-on-new-ai-rules-in-switzerland\/\">Directives de la FINMA de d\u00e9cembre 2024 sur l'IA : ce que les PME actives dans les domaines de la FinTech et de l'IA\/ML doivent savoir en mati\u00e8re de conformit\u00e9<\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f6cec6 elementor-widget elementor-widget-heading\" data-id=\"9f6cec6\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"2\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Vos options de financement <span class=\"color-accent-4\">: explication<\/span>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-627f623 elementor-widget elementor-widget-text-editor\" data-id=\"627f623\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Il existe aujourd'hui quatre principaux moyens d'acc\u00e9der au capital :<\/p><ol><li><b>Banques traditionnelles :<\/b> Id\u00e9al pour les entreprises poss\u00e9dant des biens immobiliers. Les taux sont bas, mais l'approbation peut prendre quatre mois.<\/li><li><b>Plateformes alternatives :<\/b> Ils vous mettent directement en relation avec des investisseurs. Ils sont rapides et examinent votre tr\u00e9sorerie, pas seulement vos immeubles.<\/li><li><b>Pr\u00eats verts :<\/b> Fonds sp\u00e9ciaux pour les projets environnementaux tels que les panneaux solaires. Ils offrent souvent de meilleures conditions.<\/li><li><b>Soutien gouvernemental :<\/b> Programmes visant \u00e0 fournir des garanties de pr\u00eat pour aider les banques \u00e0 dire oui.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8829e8 elementor-widget elementor-widget-heading\" data-id=\"e8829e8\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"4\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L'avantage num\u00e9rique : <span class=\"color-accent-4\">vitesse et acc\u00e8s<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1866343 elementor-widget elementor-widget-text-editor\" data-id=\"1866343\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Les plateformes num\u00e9riques r\u00e9solvent les principaux probl\u00e8mes des services bancaires traditionnels : la rapidit\u00e9 et la g\u00e9ographie.<\/p><p>Les banques traditionnelles peuvent mettre des mois \u00e0 donner leur accord. Les pr\u00eateurs num\u00e9riques prennent souvent leur d\u00e9cision en deux semaines. Ils r\u00e9solvent \u00e9galement le probl\u00e8me de l'emplacement. Auparavant, les entreprises situ\u00e9es dans les grandes villes avaient un avantage. Aujourd'hui, une entreprise situ\u00e9e dans un village rural peut acc\u00e9der au m\u00eame capital qu'une entreprise situ\u00e9e \u00e0 Gen\u00e8ve. Le processus se d\u00e9roule enti\u00e8rement en ligne.<\/p><ul><li><b>Analyse approfondie :<\/b> <a href=\"https:\/\/capiwell.ch\/how-online-loans-are-helping-swiss-businesses-thrive-in-the-countryside\/\">Au-del\u00e0 de Zurich : comment les pr\u00eats en ligne aident les entreprises suisses dans les zones rurales<\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f845ef2 elementor-widget elementor-widget-heading\" data-id=\"f845ef2\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"5\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financement sp\u00e9cifique \u00e0 l'industrie <span class=\"color-accent-4\">et les pr\u00eats verts<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-914c2ed elementor-widget elementor-widget-text-editor\" data-id=\"914c2ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Les banques g\u00e9n\u00e9rales ont souvent du mal \u00e0 \u00e9valuer les actifs modernes. Elles appr\u00e9cient les b\u00e2timents. Elles ne comprennent pas toujours la valeur d'un brevet logiciel ou d'un essai clinique.<\/p><p>Les entreprises CleanTech et AgriTech ont des besoins sp\u00e9cifiques. Elles ont souvent besoin de fonds pour acheter du mat\u00e9riel avant m\u00eame d'avoir r\u00e9alis\u00e9 des ventes. Les pr\u00eats verts peuvent les aider dans ce domaine. Si vous pouvez prouver que votre entreprise contribue \u00e0 la protection de l'environnement, vous devenez un emprunteur \u00e0 faible risque.<\/p><ul><li><b>Analyse approfondie :<\/b> <a href=\"https:\/\/capiwell.ch\/green-funding-for-swiss-businesses\/\">Pr\u00eats verts et financements li\u00e9s au d\u00e9veloppement durable pour les PME suisses actives dans les domaines des technologies propres et des technologies agricoles<\/a><\/li><\/ul><p>Les entreprises sp\u00e9cialis\u00e9es dans les biotechnologies et l'intelligence artificielle n\u00e9cessitent \u00e9galement une attention particuli\u00e8re. Leur valeur r\u00e9side dans leur propri\u00e9t\u00e9 intellectuelle. Les plateformes sp\u00e9cialis\u00e9es comprennent mieux ces \u00e9ch\u00e9ances que les directeurs de banque g\u00e9n\u00e9ralistes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6147beb elementor-widget elementor-widget-heading\" data-id=\"6147beb\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"6\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ce que les pr\u00eateurs <span class=\"color-accent-4\">ont besoin de vous<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cb3095 elementor-widget elementor-widget-text-editor\" data-id=\"2cb3095\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pour obtenir l'accord d'un pr\u00eateur, vous devez pr\u00e9parer cinq \u00e9l\u00e9ments.<\/p><ul><li><b>Finances :<\/b> Deux ann\u00e9es de comptes en r\u00e8gle et de revenus stables.<\/li><li><b>Plan :<\/b> Une liste pr\u00e9cise de ce que vous ach\u00e8terez avec cet argent.<\/li><li><b>Remboursement :<\/b> Une explication claire de la provenance des fonds qui serviront \u00e0 rembourser le pr\u00eat.<\/li><li><b>Traction :<\/b> Preuve que les clients ach\u00e8tent votre produit.<\/li><li><b>Conformit\u00e9 :<\/b> Documents attestant que vous respectez toutes les r\u00e8gles de la FINMA et du secteur.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-420acf9 elementor-widget elementor-widget-heading\" data-id=\"420acf9\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"7\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion : <span class=\"color-accent-4\">la voie intelligente vers l'avenir<\/span> <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d5ed6e elementor-widget elementor-widget-text-editor\" data-id=\"4d5ed6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLe paysage financier suisse est aujourd'hui plus complexe, mais il offre davantage de choix qu'auparavant. L'\u00e8re de la \u201c Hausbank \u201d, o\u00f9 l'on comptait sur une seule banque, est r\u00e9volue. Les chefs d'entreprise avis\u00e9s ont d\u00e9sormais recours \u00e0 plusieurs sources pour alimenter leur croissance.\n\nPour les investisseurs, cette \u00e9volution cr\u00e9e de nouvelles opportunit\u00e9s de rendement dans un contexte de taux d'int\u00e9r\u00eat nuls ou n\u00e9gatifs. CapiWell aide les investisseurs \u00e0 s'y retrouver en \u00e9quilibrant les pr\u00eats aux PME \u00e0 fort potentiel avec des investissements alternatifs plus stables. En adoptant une approche multi-actifs, les investisseurs peuvent soutenir l'\u00e9conomie suisse tout en prot\u00e9geant leurs propres portefeuilles.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61fb7f1 e-flex e-con-boxed e-con e-child\" data-id=\"61fb7f1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4c9da5b e-con-full e-flex e-con e-child\" data-id=\"4c9da5b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36636a3 e-con-full e-flex e-con e-child\" data-id=\"36636a3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5987cc4 e-con-full e-flex e-con e-child\" data-id=\"5987cc4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a1fd6d elementor-invisible animated-fast elementor-widget elementor-widget-heading\" data-id=\"8a1fd6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La m\u00e9thode CapiWell<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa7ba41 e-con-full e-flex e-con e-child\" data-id=\"fa7ba41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7729c1e elementor-widget elementor-widget-text-editor\" data-id=\"7729c1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"0\" data-end=\"333\">Le financement des entreprises suisses a connu une \u00e9volution rapide depuis 2023. La fusion entre Credit Suisse et UBS a r\u00e9duit l'acc\u00e8s aux pr\u00eats traditionnels aux PME, les taux d'int\u00e9r\u00eat ont atteint des niveaux historiquement bas et les nouvelles r\u00e8gles de la FINMA ont mis davantage l'accent sur la conformit\u00e9, la s\u00e9curit\u00e9 de l'IA et la durabilit\u00e9. En cons\u00e9quence, il ne suffit plus pour de nombreuses PME de s'appuyer sur une seule banque.<\/p><p data-start=\"335\" data-end=\"695\">Aujourd'hui, le pr\u00eat P2P aux PME est synonyme de choix et de flexibilit\u00e9. Les entreprises peuvent combiner les pr\u00eats bancaires traditionnels avec les plateformes de pr\u00eat num\u00e9riques, le financement vert et les garanties soutenues par le gouvernement. Nous agissons plus rapidement, nous nous concentrons sur les flux de tr\u00e9sorerie plut\u00f4t que sur l'immobilier et nous offrons aux PME de toute la Suisse un acc\u00e8s \u00e9gal au capital, qu'elles soient situ\u00e9es \u00e0 Zurich, \u00e0 Gen\u00e8ve ou \u00e0 la campagne.<\/p><p data-start=\"697\" data-end=\"972\" data-is-last-node=\"\" data-is-only-node=\"\">Nous utilisons une approche de financement moderne et diversifi\u00e9e, adapt\u00e9e au march\u00e9 suisse actuel. En combinant plusieurs sources de financement et en nous concentrant sur des PME solides et conformes, nous soutenons une croissance durable tout en g\u00e9rant les risques et en cr\u00e9ant des opportunit\u00e9s attrayantes dans un environnement de taux d'int\u00e9r\u00eat bas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-91314d5 e-flex e-con-boxed e-con e-parent\" data-id=\"91314d5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-40ee36d e-flex e-con-boxed e-con e-child\" data-id=\"40ee36d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-073017a elementor-invisible e-con-full blur-background animated-fast e-flex e-con e-child\" data-id=\"073017a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;bottom&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:60,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d055524 elementor-widget elementor-widget-heading\" data-id=\"d055524\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Emprunter des fonds<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a96e776 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"a96e776\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">pour votre PME<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b36621 elementor-widget elementor-widget-heading\" data-id=\"9b36621\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">via la Plateforme CapiWell<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a110da4 e-con-full e-flex e-con e-child\" data-id=\"a110da4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-541e814 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"541e814\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Si vous souhaitez participer en tant qu'investisseur priv\u00e9 ou institutionnel, ou lever des fonds pour votre projet, veuillez commencer d\u00e8s aujourd'hui.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-b48cbc8 vamtam-icon-pos-row-reverse elementor-widget elementor-widget-button\" data-id=\"b48cbc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/capiwell.ch\/fr\/commencer\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"vamtamtheme- vamtam-theme-arrow-link-up\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cr\u00e9er un compte<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3cb826b e-flex e-con-boxed e-con e-parent\" data-id=\"3cb826b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1d4da48 e-con-full e-flex e-con e-child\" data-id=\"1d4da48\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-45173b0 e-con-full e-flex e-con e-child\" data-id=\"45173b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8b34386 e-con-full e-flex e-con e-child\" data-id=\"8b34386\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da09f82 elementor-widget elementor-widget-heading\" data-id=\"da09f82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Qui utilise CapiWell ?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5af15c2 elementor-widget elementor-widget-text-editor\" data-id=\"5af15c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Notre plateforme attire \u00e0 la fois des particuliers et des investisseurs institutionnels, notamment des family offices, des fonds immobiliers, des investisseurs professionnels et des particuliers \u00e0 la recherche d'un rendement stable. Ces investisseurs appr\u00e9cient notre <\/span><b>diligence raisonnable transparente, des rapports structur\u00e9s, une surveillance num\u00e9rique et un mod\u00e8le de copropri\u00e9t\u00e9<\/b><span style=\"font-weight: 400;\">, qui leur permet de participer directement \u00e0 l'immobilier suisse sans en g\u00e9rer l'administration quotidienne.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bb799d1 e-con-full e-flex e-con e-child\" data-id=\"bb799d1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc5aeeb elementor-widget elementor-widget-heading\" data-id=\"bc5aeeb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Rejoindre le mouvement<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e441fc1 elementor-widget elementor-widget-text-editor\" data-id=\"e441fc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Investir dans des actions immobili\u00e8res via le financement participatif de CapiWell est plus qu'une d\u00e9cision financi\u00e8re - c'est une chance de construire un patrimoine stable et \u00e0 long terme gr\u00e2ce \u00e0 une classe d'actifs qui a fait ses preuves. Gr\u00e2ce \u00e0 notre plateforme multi-actifs, vous pouvez vous diversifier dans l'immobilier, les startups, les pr\u00eats et les spin-offs acad\u00e9miques, tout en conservant une visibilit\u00e9 et un contr\u00f4le clairs sur votre portefeuille.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba97e99 e-flex e-con-boxed e-con e-parent\" data-id=\"ba97e99\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2588384 e-flex e-con-boxed e-con e-child\" data-id=\"2588384\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a974416 e-con-full e-flex e-con e-child\" data-id=\"a974416\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ecc0495 e-con-full e-flex e-con e-child\" data-id=\"ecc0495\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6bed32 elementor-invisible elementor-widget__width-initial animated-fast elementor-widget elementor-widget-heading\" data-id=\"b6bed32\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fondation pour la croissance : <span class=\"color-accent-4\">Pr\u00eats aux PME<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbce042 e-con-full e-flex e-con e-child\" data-id=\"fbce042\" 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data-id=\"6b7874f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/capiwell.ch\/fr\/comment-les-prets-en-ligne-aident-les-entreprises-suisses-a-prosperer-dans-les-zones-rurales\/\">Comment les Pr\u00eats en Ligne aident les PME Suisses \u00e0 Prosp\u00e9rer dans les Zones Rurales<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19c9ff1 e-con-full e-flex e-con e-child\" data-id=\"19c9ff1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-4666be3 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"4666be3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a 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data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c6f064d e-con-full e-flex e-con e-child\" data-id=\"c6f064d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c3057f elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"4c3057f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/capiwell.ch\/fr\/financement-vert-pour-les-entreprises-suisses\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"586\" src=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/green-loans-1024x586.jpeg\" class=\"attachment-large size-large wp-image-993022\" alt=\"\" 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elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6b7874f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/capiwell.ch\/fr\/financement-vert-pour-les-entreprises-suisses\/\">Financement \"Pr\u00eat Vert\" pour les PME Suisses<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19c9ff1 e-con-full e-flex e-con e-child\" data-id=\"19c9ff1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-4666be3 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"4666be3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a 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data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c6f064d e-con-full e-flex e-con e-child\" data-id=\"c6f064d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c3057f elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"4c3057f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/capiwell.ch\/fr\/guide-destine-aux-entreprises-technologiques-sur-les-nouvelles-regles-relatives-a-lia-en-suisse\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"586\" src=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/AI-rules-1024x586.jpeg\" class=\"attachment-large size-large wp-image-993026\" alt=\"\" srcset=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/AI-rules-1024x586.jpeg 1024w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/AI-rules-300x172.jpeg 300w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/AI-rules-768x440.jpeg 768w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/AI-rules-1536x879.jpeg 1536w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/AI-rules-18x10.jpeg 18w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/AI-rules-600x343.jpeg 600w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/AI-rules.jpeg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ecca38 e-con-full e-flex e-con e-child\" data-id=\"8ecca38\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b7874f small-post-heading elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6b7874f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/capiwell.ch\/fr\/guide-destine-aux-entreprises-technologiques-sur-les-nouvelles-regles-relatives-a-lia-en-suisse\/\">Guide sur les Nouvelles R\u00e8gles relatives \u00e0 l'IA destin\u00e9 \u00e0 la Tech Suisse<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19c9ff1 e-con-full e-flex e-con e-child\" data-id=\"19c9ff1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-4666be3 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"4666be3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/capiwell.ch\/fr\/guide-destine-aux-entreprises-technologiques-sur-les-nouvelles-regles-relatives-a-lia-en-suisse\/\">\n\t\t\t<i aria-hidden=\"true\" class=\"vamtamtheme- vamtam-theme-arrow-link-up\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"992067\" class=\"elementor elementor-992067 e-loop-item e-loop-item-992875 post-992875 post type-post status-publish format-standard has-post-thumbnail hentry category-capiwell-perspective category-enterprise-empowered category-sme-lending tag-sme tag-swiss-sme\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-8e6c8a1 e-flex e-con-boxed e-con e-parent\" data-id=\"8e6c8a1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c6f064d e-con-full e-flex e-con e-child\" data-id=\"c6f064d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c3057f elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"4c3057f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/capiwell.ch\/fr\/snb-a-zero-que-signifient-les-baisses-de-taux-de-la-suisse-en-2025-pour-les-emprunts-des-pme-en-2026\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"586\" src=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/12\/BNS-CapiWell-1024x586.jpg\" class=\"attachment-large size-large wp-image-992876\" alt=\"\" srcset=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/12\/BNS-CapiWell-1024x586.jpg 1024w, https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/12\/BNS-CapiWell-300x172.jpg 300w, https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/12\/BNS-CapiWell-768x440.jpg 768w, https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/12\/BNS-CapiWell-1536x879.jpg 1536w, https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/12\/BNS-CapiWell-18x10.jpg 18w, https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/12\/BNS-CapiWell-600x343.jpg 600w, https:\/\/capiwell.ch\/wp-content\/uploads\/2025\/12\/BNS-CapiWell.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ecca38 e-con-full e-flex e-con e-child\" data-id=\"8ecca38\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b7874f small-post-heading elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6b7874f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/capiwell.ch\/fr\/snb-a-zero-que-signifient-les-baisses-de-taux-de-la-suisse-en-2025-pour-les-emprunts-des-pme-en-2026\/\">SNB \u00e0 Z\u00e9ro : Ce Que les Baisses de Taux de 2025 en Suisse Signifient pour les Emprunts des PME en 2026<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19c9ff1 e-con-full e-flex e-con e-child\" data-id=\"19c9ff1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-4666be3 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"4666be3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/capiwell.ch\/fr\/snb-a-zero-que-signifient-les-baisses-de-taux-de-la-suisse-en-2025-pour-les-emprunts-des-pme-en-2026\/\">\n\t\t\t<i aria-hidden=\"true\" class=\"vamtamtheme- vamtam-theme-arrow-link-up\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cdf9d35 e-flex e-con-boxed e-con e-parent\" data-id=\"cdf9d35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-183aa0f elementor-widget elementor-widget-text-editor\" data-id=\"183aa0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4>R\u00e9f\u00e9rences (APA)<\/h4><ul><li>Haute \u00e9cole sp\u00e9cialis\u00e9e de Lucerne (HSLU), \u201c Crowdfunding Monitor Switzerland \u201d (2024)<\/li><li>SECO (Secr\u00e9tariat d'\u00c9tat \u00e0 l'\u00e9conomie), \u201c Enqu\u00eate sur l'acc\u00e8s des PME au financement \u201d (2024)<\/li><li>Banque nationale suisse, \u201c \u00c9valuation de la politique mon\u00e9taire \u201d (12 d\u00e9cembre 2024)<\/li><li>Banque nationale suisse, \u201c \u00c9valuation de la politique mon\u00e9taire \u201d (20 mars 2025)<\/li><li>Banque nationale suisse, \u201c \u00c9valuation de la politique mon\u00e9taire \u201d (19 juin 2025)<\/li><li>PwC Suisse, \u201c Taux d'int\u00e9r\u00eat refuges actualis\u00e9s pour 2025 \u201d<\/li><li>GGBA Swiss, \u201c Les start-ups suisses obtiennent 2,4 milliards de francs suisses en 2024 \u201d<\/li><li>Fintechnews CH, \u201c Le financement suisse par capital-risque en forte hausse, port\u00e9 par les biotechnologies, les TIC et les technologies financi\u00e8res \u201d<\/li><li>EY Suisse, \u201c Barom\u00e8tre des start-up en Suisse 2025 \u201d<\/li><li>FINMA, \u201c Directive 08\/2024 : Gouvernance et gestion des risques lors de l'utilisation de l'intelligence artificielle (IA) \u201d (d\u00e9cembre 2024)<\/li><li>FINMA, \u201c La FINMA publie une nouvelle circulaire sur les risques financiers li\u00e9s \u00e0 la nature \u2018 (d\u00e9cembre 2024)<\/li><li>Association suisse du pr\u00eat participatif, \u201c 21,4 milliards de francs suisses de nouveaux pr\u00eats en 2024 \u201d<\/li><li>Startupticker\/SECA, \u201c Swiss Investor Survey \u201d (2025)<\/li><li>SECO (Secr\u00e9tariat d'\u00c9tat \u00e0 l'\u00e9conomie), \u201c Coop\u00e9ratives de cautionnement pour les PME \u201d<\/li><li>Fonds technologique suisse, \u201c Aper\u00e7u du programme \u201d<\/li><li>Haute \u00e9cole sp\u00e9cialis\u00e9e de Lucerne, \u201c \u00c9tude sur les pr\u00e9f\u00e9rences ESG \u201d (2025)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c3a03b2 e-flex e-con-boxed e-con e-parent\" data-id=\"c3a03b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>D\u00e9couvrez pourquoi les pr\u00eats aux entreprises suisses ont chang\u00e9. Taux d'int\u00e9r\u00eat actualis\u00e9s, plateformes num\u00e9riques et nouvelles strat\u00e9gies pour trouver des capitaux de croissance.<\/p>","protected":false},"author":3,"featured_media":0,"parent":856,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[],"class_list":["post-993039","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/pages\/993039","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/comments?post=993039"}],"version-history":[{"count":51,"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/pages\/993039\/revisions"}],"predecessor-version":[{"id":993218,"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/pages\/993039\/revisions\/993218"}],"up":[{"embeddable":true,"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/pages\/856"}],"wp:attachment":[{"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/media?parent=993039"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/capiwell.ch\/fr\/wp-json\/wp\/v2\/categories?post=993039"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}