{"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":"guida-al-finanziamento-delle-pmi-svizzere","status":"publish","type":"page","link":"https:\/\/capiwell.ch\/it\/approfondimenti\/guida-al-finanziamento-delle-pmi-svizzere\/","title":{"rendered":"Guida al finanziamento delle PMI svizzere"},"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\">La tua guida al finanziamento delle PMI svizzere<\/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\">Dalle banche ai prestatori digitali: orientarsi nella nuova realt\u00e0 finanziaria svizzera<\/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;\">Il modo in cui le aziende svizzere reperiscono fondi \u00e8 cambiato rapidamente tra il 2023 e il 2025. La fusione tra UBS e Credit Suisse ha eliminato un'importante opzione per gli imprenditori. I tassi di interesse sono scesi allo 0,1% entro la met\u00e0 del 2025. Le nuove regole hanno anche modificato il modo in cui le banche valutano il rischio per le aziende tecnologiche e green.<\/span><\/p><p><span style=\"font-weight: 400;\">Questi cambiamenti hanno reso le cose pi\u00f9 difficili per alcuni, ma hanno anche creato nuove opportunit\u00e0. Le banche tradizionali sono diventate pi\u00f9 rigide. Al loro posto sono cresciute le piattaforme digitali. Questi nuovi istituti di credito offrono risposte pi\u00f9 rapide e comprendono meglio i settori industriali moderni.<\/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;\">Qui troverete informazioni sui tassi di interesse, sulla conformit\u00e0 e sulle tendenze del settore. Che siate una startup a Zurigo o un produttore nel Vallese, questa guida vi aiuter\u00e0 a trovare la strada giusta.<\/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=\"Fisarmonica. Aprite i collegamenti con Invio o Spazio, chiudeteli con Escape e navigate con i tasti freccia.\">\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\"> Indice dei contenuti <\/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\">Perch\u00e9 \u00e8 cambiato il credito svizzero (2023-2025)<\/a><\/li><li><a href=\"#2\">Le tue opzioni di finanziamento spiegate<\/a><\/li><li><a href=\"#3\">Il vantaggio digitale: velocit\u00e0 e accesso<\/a><\/li><li><a href=\"#4\">Finanziamenti specifici per settore e prestiti verdi<\/a><\/li><li><a href=\"#5\">Cosa ti chiedono gli istituti di credito<\/a><\/li><li><a href=\"#6\">Conclusione: il percorso intelligente da seguire<\/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\">Perch\u00e9  <span class=\"color-accent-4\">Modifica del prestito svizzero (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>Tre enormi cambiamenti hanno ridisegnato il mercato. Innanzitutto, la fusione tra UBS e Credit Suisse ha lasciato un vuoto. Credit Suisse era nota come la banca degli imprenditori. Quando \u00e8 stata acquisita, i volumi dei prestiti alle piccole imprese sono diminuiti in modo significativo. Molte aziende hanno perso linee di credito fondamentali.<\/p><ul><li><b>Approfondimento:<\/b> <a href=\"https:\/\/capiwell.ch\/how-alternative-lending-helps-swiss-businesses-after-the-credit-suisse-merger\/\">Dopo la fusione con Credit Suisse: come il credito alternativo aiuta le imprese svizzere<\/a><\/li><\/ul><p>In secondo luogo, i costi di finanziamento hanno toccato i minimi storici. La Banca Nazionale Svizzera (BNS) ha tagliato i tassi allo 0,1% entro il 2025. Ci\u00f2 ha reso i prestiti pi\u00f9 convenienti. Le piattaforme alternative offrono ora tassi compresi tra il 4,91% e il 9,91%. Le aziende pi\u00f9 solide soddisfano i criteri per ottenere tassi compresi tra lo 0,81% e l'1,51%.<\/p><ul><li><b>Approfondimento:<\/b> <a href=\"https:\/\/capiwell.ch\/snb-at-zero-what-switzerlands-2025-rate-cuts-mean-for-sme-borrowing-in-2026\/\">SNB a zero: cosa significano i tagli dei tassi della Svizzera nel 2025 per i prestiti alle PMI nel 2026<\/a><\/li><\/ul><p>In terzo luogo, le nuove regole hanno cambiato le carte in tavola. Alla fine del 2024 la FINMA ha emanato linee guida rigorose sull'intelligenza artificiale. Chi vende software alle banche deve ora dimostrare che la propria IA \u00e8 sicura. Le banche devono inoltre gestire il rischio climatico, il che favorisce le aziende green.<\/p><ul><li><b>Approfondimento:<\/b> <a href=\"https:\/\/capiwell.ch\/a-guide-for-tech-companies-on-new-ai-rules-in-switzerland\/\">Linee guida FINMA sull'intelligenza artificiale del dicembre 2024: cosa devono sapere le PMI FinTech e AI\/ML in materia di conformit\u00e0<\/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\">Le tue opzioni di finanziamento <span class=\"color-accent-4\">Spiegato<\/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>Oggi esistono quattro principali vie per ottenere capitali:<\/p><ol><li><b>Banche tradizionali:<\/b> Ottimo per le aziende che possiedono immobili. I tassi sono bassi, ma l'approvazione pu\u00f2 richiedere quattro mesi.<\/li><li><b>Piattaforme alternative:<\/b> Questi ti mettono direttamente in contatto con gli investitori. Sono veloci e guardano al tuo flusso di cassa, non solo agli immobili.<\/li><li><b>Prestiti verdi:<\/b> Fondi speciali per progetti ambientali come i pannelli solari. Spesso offrono condizioni pi\u00f9 vantaggiose.<\/li><li><b>Sostegno governativo:<\/b> Programmi volti a fornire garanzie sui prestiti per aiutare le banche a dire s\u00ec.<\/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\">Il vantaggio digitale: <span class=\"color-accent-4\">Velocit\u00e0 e accesso<\/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>Le piattaforme digitali risolvono i principali problemi del sistema bancario tradizionale: velocit\u00e0 e geografia.<\/p><p>Le banche tradizionali possono impiegare mesi per dare una risposta positiva. Gli istituti di credito digitali spesso decidono in due settimane. Inoltre risolvono il problema della posizione geografica. In passato, le aziende delle grandi citt\u00e0 erano avvantaggiate. Ora, un'azienda in un villaggio rurale pu\u00f2 accedere allo stesso capitale di un'azienda di Ginevra. Il processo \u00e8 interamente online.<\/p><ul><li><b>Approfondimento:<\/b> <a href=\"https:\/\/capiwell.ch\/how-online-loans-are-helping-swiss-businesses-thrive-in-the-countryside\/\">Oltre Zurigo: come i prestiti online aiutano le imprese svizzere nelle zone rurali<\/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\">Finanziamenti specifici per settore <span class=\"color-accent-4\">e prestiti verdi<\/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>Le banche tradizionali spesso hanno difficolt\u00e0 a valutare i beni moderni. Preferiscono gli immobili. Non sempre comprendono il valore di un brevetto software o di una sperimentazione clinica.<\/p><p>Le aziende CleanTech e AgriTech hanno esigenze particolari. Spesso hanno bisogno di denaro per acquistare attrezzature prima ancora di realizzare vendite. In questo caso i prestiti verdi possono essere d'aiuto. Se riesci a dimostrare che la tua attivit\u00e0 contribuisce alla tutela dell'ambiente, diventi un mutuatario a basso rischio.<\/p><ul><li><b>Approfondimento:<\/b> <a href=\"https:\/\/capiwell.ch\/green-funding-for-swiss-businesses\/\">Prestiti verdi e finanziamenti legati alla sostenibilit\u00e0 per le PMI svizzere operanti nei settori CleanTech e AgriTech<\/a><\/li><\/ul><p>Anche le aziende biotecnologiche e di intelligenza artificiale necessitano di un'attenzione particolare. Il loro valore risiede nella propriet\u00e0 intellettuale. Le piattaforme specializzate comprendono queste tempistiche meglio dei direttori di banca generici.<\/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\">Cosa prestatori <span class=\"color-accent-4\">Bisogno da te<\/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>Per ottenere l'approvazione da qualsiasi istituto di credito, \u00e8 necessario preparare cinque cose.<\/p><ul><li><b>Dati finanziari:<\/b> Due anni di contabilit\u00e0 in regola e entrate costanti.<\/li><li><b>Piano:<\/b> Un elenco specifico di ci\u00f2 che acquisterai con il denaro.<\/li><li><b>Rimborso:<\/b> Una chiara spiegazione della provenienza dei fondi necessari per rimborsare il prestito.<\/li><li><b>Trazione:<\/b> Prova che i clienti stanno acquistando il tuo prodotto.<\/li><li><b>Conformit\u00e0:<\/b> Documenti che dimostrano il rispetto di tutte le norme FINMA e di settore.<\/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\">Conclusione: <span class=\"color-accent-4\">Il percorso intelligente verso il futuro<\/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\tIl panorama finanziario svizzero \u00e8 oggi pi\u00f9 complesso, ma offre pi\u00f9 possibilit\u00e0 di scelta rispetto al passato. L'era della \u201cHausbank\u201d, in cui ci si affidava a un'unica banca, \u00e8 finita. Gli imprenditori pi\u00f9 accorti utilizzano ora una combinazione di fonti per alimentare la crescita.\n\nPer gli investitori, questo cambiamento crea nuove opportunit\u00e0 di guadagno in un contesto di tassi di interesse 0%. CapiWell aiuta gli investitori a orientarsi in questo panorama, bilanciando prestiti alle PMI ad alto potenziale con investimenti alternativi pi\u00f9 stabili. Adottando un approccio multi-asset, gli investitori possono sostenere l'economia svizzera proteggendo al contempo i propri portafogli.\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\">Il metodo 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\">Il finanziamento delle imprese svizzere \u00e8 cambiato rapidamente dal 2023. La fusione tra Credit Suisse e UBS ha ridotto l'accesso ai prestiti tradizionali alle PMI, i tassi di interesse sono scesi ai minimi storici e le nuove norme FINMA hanno aumentato l'attenzione alla conformit\u00e0, alla sicurezza dell'IA e alla sostenibilit\u00e0. Di conseguenza, per molte PMI non \u00e8 pi\u00f9 sufficiente affidarsi a una sola banca.<\/p><p data-start=\"335\" data-end=\"695\">Oggi, il prestito peer-to-peer alle PMI \u00e8 sinonimo di scelta e flessibilit\u00e0. Le aziende possono combinare i prestiti bancari tradizionali con piattaforme di prestito digitali, finanziamenti verdi e garanzie sostenute dal governo. Ci muoviamo pi\u00f9 rapidamente, ci concentriamo sul flusso di cassa anzich\u00e9 sugli immobili e offriamo alle PMI di tutta la Svizzera pari accesso al capitale, che si trovino a Zurigo, Ginevra o in campagna.<\/p><p data-start=\"697\" data-end=\"972\" data-is-last-node=\"\" data-is-only-node=\"\">Utilizziamo un approccio finanziario moderno e diversificato, pensato appositamente per il mercato svizzero odierno. Combinando diverse fonti di finanziamento e concentrandoci su PMI solide e conformi, sosteniamo una crescita sostenibile gestendo al contempo i rischi e creando opportunit\u00e0 interessanti in un contesto di tassi di interesse bassi.<\/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\">Prendere in prestito fondi<\/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\">per la tua PMI<\/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\">con 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\">Se volete investire come investitori privati o istituzionali, o raccogliere capitali per il vostro progetto mission-driven, iniziate oggi stesso.<\/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\/it\/iniziare\/\">\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\">Iniziare<\/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\">Chi usa 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;\">La nostra piattaforma attrae sia privati che investitori istituzionali, tra cui family office, fondi immobiliari, investitori professionali e privati alla ricerca di un rendimento stabile. Questi investitori apprezzano il nostro <\/span><b>due diligence trasparente, reportistica strutturata, monitoraggio digitale e modello di compropriet\u00e0<\/b><span style=\"font-weight: 400;\">, che consente loro di partecipare direttamente al settore immobiliare svizzero senza gestire l'amministrazione quotidiana.<\/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\">Unisciti al Movimento<\/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;\">Investire in azioni immobiliari con CapiWell \u00e8 pi\u00f9 di una decisione finanziaria: \u00e8 un'opportunit\u00e0 per costruire una ricchezza stabile e a lungo termine attraverso una classe di attivit\u00e0 comprovata. Con la nostra piattaforma multi-asset, potete diversificare tra propriet\u00e0, startup, prestiti e spin-off accademici, mantenendo una chiara visibilit\u00e0 e il controllo del vostro portafoglio.<\/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\">Fondazione per la crescita: <span class=\"color-accent-4\">Prestiti alle PMI<\/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\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1211ac5 e-con-full e-flex e-con e-child\" data-id=\"1211ac5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-f093fed elementor-invisible elementor-grid-tablet-2 elementor-grid-3 animated-fast elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"f093fed\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:&quot;992067&quot;,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:20,&quot;sizes&quot;:[]},&quot;columns_tablet&quot;:2,&quot;columns&quot;:3,&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_skin&quot;:&quot;post&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t<style id=\"loop-992067\">.elementor-992067 .elementor-element.elementor-element-8e6c8a1{--display:flex;--flex-direction:row;--container-widget-width:initial;--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--gap:0px 10px;--row-gap:0px;--column-gap:10px;--border-radius:5px 5px 5px 5px;box-shadow:0px 0px 7px 0px rgba(0, 0, 0, 0.19);--padding-top:12px;--padding-bottom:12px;--padding-left:12px;--padding-right:12px;}.elementor-992067 .elementor-element.elementor-element-8e6c8a1:not(.elementor-motion-effects-element-type-background), .elementor-992067 .elementor-element.elementor-element-8e6c8a1 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:#FFFFFF;}.elementor-992067 .elementor-element.elementor-element-c6f064d{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-992067 .elementor-element.elementor-element-8ecca38{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-992067 .elementor-element.elementor-element-6b7874f .elementor-heading-title{font-size:14px;font-weight:500;line-height:22px;-webkit-text-stroke-color:#000;stroke:#000;}.elementor-992067 .elementor-element.elementor-element-6b7874f .elementor-heading-title a:hover, .elementor-992067 .elementor-element.elementor-element-6b7874f .elementor-heading-title a:focus{color:#1087C8;}.elementor-992067 .elementor-element.elementor-element-19c9ff1{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--justify-content:flex-end;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-992067 .elementor-element.elementor-element-4666be3 .elementor-icon-wrapper{text-align:start;}.elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-stacked .elementor-icon{background-color:#C8102E;color:#FFFFFF;}.elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-framed .elementor-icon, .elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-default .elementor-icon{color:#C8102E;border-color:#C8102E;}.elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-framed .elementor-icon, .elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-default .elementor-icon svg{fill:#C8102E;}.elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-framed .elementor-icon{background-color:#FFFFFF;}.elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-stacked .elementor-icon svg{fill:#FFFFFF;}.elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-stacked .elementor-icon:hover{background-color:#0A0B0B;color:#FFFFFF;}.elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-framed .elementor-icon:hover, .elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-default .elementor-icon:hover{color:#0A0B0B;border-color:#0A0B0B;}.elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-framed .elementor-icon:hover, .elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-default .elementor-icon:hover svg{fill:#0A0B0B;}.elementor-992067 .elementor-element.elementor-element-4666be3{--vamtam-hpc:#0A0B0B;--vamtam-hsc:#FFFFFF;}.elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-framed .elementor-icon:hover{background-color:#FFFFFF;}.elementor-992067 .elementor-element.elementor-element-4666be3.elementor-view-stacked .elementor-icon:hover svg{fill:#FFFFFF;}.elementor-992067 .elementor-element.elementor-element-4666be3 .elementor-icon{font-size:6px;padding:8px;}.elementor-992067 .elementor-element.elementor-element-4666be3 .elementor-icon svg{height:6px;}@media(max-width:767px){.elementor-992067 .elementor-element.elementor-element-c6f064d{--width:25%;}.elementor-992067 .elementor-element.elementor-element-8ecca38{--width:61%;}.elementor-992067 .elementor-element.elementor-element-19c9ff1{--width:7%;}}@media(min-width:768px){.elementor-992067 .elementor-element.elementor-element-c6f064d{--width:20%;}.elementor-992067 .elementor-element.elementor-element-8ecca38{--width:73%;}.elementor-992067 .elementor-element.elementor-element-19c9ff1{--width:7%;}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"992067\" class=\"elementor elementor-992067 e-loop-item e-loop-item-993342 post-993342 post type-post status-publish format-standard has-post-thumbnail hentry category-sme-lending tag-crowdfunding tag-sme-lending\" 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\/it\/capitale-privato-svizzero-nel-2026-la-scala-lascia-il-posto-allaccesso-e-alla-crescita\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"586\" src=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/chf-1024x586.jpeg\" class=\"attachment-large size-large wp-image-993344\" alt=\"\" srcset=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/chf-1024x586.jpeg 1024w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/chf-300x172.jpeg 300w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/chf-768x440.jpeg 768w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/chf-1536x879.jpeg 1536w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/chf-18x10.jpeg 18w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/chf-600x343.jpeg 600w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/chf.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\/it\/capitale-privato-svizzero-nel-2026-la-scala-lascia-il-posto-allaccesso-e-alla-crescita\/\">Il capitale privato svizzero nel 2026: la scala lascia il posto all'accessibilit\u00e0 e alla crescita<\/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\/it\/capitale-privato-svizzero-nel-2026-la-scala-lascia-il-posto-allaccesso-e-alla-crescita\/\">\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-993348 post-993348 post type-post status-publish format-standard has-post-thumbnail hentry category-sme-lending tag-crowdfunding tag-private-credit tag-sme-lending\" 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\/it\/credito-privato-in-svizzera-selettivita-e-documentazione-diventano-decisive-nel-2026\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"586\" src=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/billets-1024x586.jpeg\" class=\"attachment-large size-large wp-image-993350\" alt=\"\" srcset=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/billets-1024x586.jpeg 1024w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/billets-300x172.jpeg 300w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/billets-768x440.jpeg 768w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/billets-1536x879.jpeg 1536w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/billets-18x10.jpeg 18w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/billets-600x343.jpeg 600w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/billets.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\/it\/credito-privato-in-svizzera-selettivita-e-documentazione-diventano-decisive-nel-2026\/\">Credito privato in Svizzera: selettivit\u00e0 e documentazione diventano decisive nel 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\/it\/credito-privato-in-svizzera-selettivita-e-documentazione-diventano-decisive-nel-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 data-elementor-type=\"loop-item\" data-elementor-id=\"992067\" class=\"elementor elementor-992067 e-loop-item e-loop-item-993010 post-993010 post type-post status-publish format-standard has-post-thumbnail hentry category-sme-lending tag-alternative-lending tag-sme tag-sme-lending\" 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\/it\/come-i-prestiti-alternativi-aiutano-le-imprese-svizzere-dopo-la-fusione-con-credit-suisse\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"586\" src=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/credit-rating-1024x586.jpeg\" class=\"attachment-large size-large wp-image-993015\" alt=\"\" srcset=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/credit-rating-1024x586.jpeg 1024w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/credit-rating-300x172.jpeg 300w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/credit-rating-768x440.jpeg 768w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/credit-rating-1536x879.jpeg 1536w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/credit-rating-18x10.jpeg 18w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/credit-rating-600x343.jpeg 600w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/credit-rating.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\/it\/come-i-prestiti-alternativi-aiutano-le-imprese-svizzere-dopo-la-fusione-con-credit-suisse\/\">Come il credito alternativo aiuta le imprese svizzere dopo la fusione tra Credit Suisse e UBS<\/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\/it\/come-i-prestiti-alternativi-aiutano-le-imprese-svizzere-dopo-la-fusione-con-credit-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-993030 post-993030 post type-post status-publish format-standard has-post-thumbnail hentry category-sme-lending tag-small-business tag-sme-lending tag-zurich\" 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\/it\/come-i-prestiti-online-stanno-aiutando-le-aziende-svizzere-a-prosperare-nelle-zone-rurali\/\">\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\/sme-lending-1024x586.jpeg\" class=\"attachment-large size-large wp-image-993033\" alt=\"\" srcset=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/sme-lending-1024x586.jpeg 1024w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/sme-lending-300x172.jpeg 300w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/sme-lending-768x440.jpeg 768w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/sme-lending-1536x879.jpeg 1536w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/sme-lending-18x10.jpeg 18w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/sme-lending-600x343.jpeg 600w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/sme-lending.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\/it\/come-i-prestiti-online-stanno-aiutando-le-aziende-svizzere-a-prosperare-nelle-zone-rurali\/\">Come i prestiti online stanno aiutando le aziende svizzere a prosperare nelle zone rurali<\/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\/it\/come-i-prestiti-online-stanno-aiutando-le-aziende-svizzere-a-prosperare-nelle-zone-rurali\/\">\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-993017 post-993017 post type-post status-publish format-standard has-post-thumbnail hentry category-sme-lending tag-alternative-lending tag-sme tag-sme-lending\" 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\/it\/finanziamenti-verdi-per-le-imprese-svizzere\/\">\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=\"\" srcset=\"https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/green-loans-1024x586.jpeg 1024w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/green-loans-300x172.jpeg 300w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/green-loans-768x440.jpeg 768w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/green-loans-1536x879.jpeg 1536w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/green-loans-18x10.jpeg 18w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/green-loans-600x343.jpeg 600w, https:\/\/capiwell.ch\/wp-content\/uploads\/2026\/12\/green-loans.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\/it\/finanziamenti-verdi-per-le-imprese-svizzere\/\">Finanziamenti verdi per le imprese svizzere<\/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\/it\/finanziamenti-verdi-per-le-imprese-svizzere\/\">\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-993024 post-993024 post type-post status-publish format-standard has-post-thumbnail hentry category-ai-and-machine-learning category-enterprise-empowered category-industry category-sme-lending tag-ai tag-ai-rules tag-switzerland\" 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\/it\/una-guida-per-le-aziende-tecnologiche-sulle-nuove-norme-in-materia-di-intelligenza-artificiale-in-svizzera\/\">\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\/it\/una-guida-per-le-aziende-tecnologiche-sulle-nuove-norme-in-materia-di-intelligenza-artificiale-in-svizzera\/\">Guida per le aziende tecnologiche sulle nuove norme in materia di IA in Svizzera<\/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\/it\/una-guida-per-le-aziende-tecnologiche-sulle-nuove-norme-in-materia-di-intelligenza-artificiale-in-svizzera\/\">\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\/it\/snb-a-zero-cosa-significano-i-tagli-dei-tassi-della-svizzera-nel-2025-per-i-prestiti-alle-pmi-nel-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\/it\/snb-a-zero-cosa-significano-i-tagli-dei-tassi-della-svizzera-nel-2025-per-i-prestiti-alle-pmi-nel-2026\/\">SNB a zero: cosa significano i tagli dei tassi della Svizzera nel 2025 per i prestiti alle PMI nel 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\/it\/snb-a-zero-cosa-significano-i-tagli-dei-tassi-della-svizzera-nel-2025-per-i-prestiti-alle-pmi-nel-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>Riferimenti (APA)<\/h4><ul><li>Universit\u00e0 di Scienze Applicate e Arti di Lucerna (HSLU), \u201cCrowdfunding Monitor Switzerland\u201d (2024)<\/li><li>SECO (Segreteria di Stato dell'economia), \u201cIndagine sull'accesso delle PMI al credito\u201d (2024)<\/li><li>Banca nazionale svizzera, \u201cValutazione della politica monetaria\u201d (12 dicembre 2024)<\/li><li>Banca nazionale svizzera, \u201cValutazione della politica monetaria\u201d (20 marzo 2025)<\/li><li>Banca nazionale svizzera, \u201cValutazione della politica monetaria\u201d (19 giugno 2025)<\/li><li>PwC Svizzera, \u201cTassi di interesse safe harbour aggiornati per il 2025\u201d<\/li><li>GGBA Swiss, \u201cLe start-up svizzere assicurano 2,4 miliardi di franchi nel 2024\u201d<\/li><li>Fintechnews CH, \u201cAumento dei finanziamenti svizzeri in capitale di rischio, trainati dai settori biotecnologico, ICT e fintech\u201d<\/li><li>EY Svizzera, \u201cStartup Barometer Switzerland 2025\u201d<\/li><li>FINMA, \u201cLinee guida 08\/2024: Governance e gestione dei rischi nell'utilizzo dell'intelligenza artificiale (IA)\u201d (dicembre 2024)<\/li><li>FINMA, \u201cLa FINMA pubblica una nuova circolare sui rischi finanziari legati alla natura\u2018 (dicembre 2024)<\/li><li>Associazione svizzera di marketplace lending, \u201c21,4 miliardi di franchi di nuovi prestiti nel 2024\u201d<\/li><li>Startupticker\/SECA, \u201cSwiss Investor Survey\u201d (2025)<\/li><li>SECO (Segreteria di Stato dell'economia), \u201cCooperative di garanzia per le PMI\u201d<\/li><li>Fondo tecnologico svizzero, \u201cPanoramica del programma\u201d<\/li><li>Universit\u00e0 di Scienze Applicate e Arti di Lucerna, \u201cStudio sulle preferenze 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>Scopri perch\u00e9 sono cambiati i prestiti alle imprese in Svizzera. Tassi di interesse aggiornati, piattaforme digitali e nuove strategie per trovare capitali di crescita.<\/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\/it\/wp-json\/wp\/v2\/pages\/993039","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/capiwell.ch\/it\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/capiwell.ch\/it\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/capiwell.ch\/it\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/capiwell.ch\/it\/wp-json\/wp\/v2\/comments?post=993039"}],"version-history":[{"count":51,"href":"https:\/\/capiwell.ch\/it\/wp-json\/wp\/v2\/pages\/993039\/revisions"}],"predecessor-version":[{"id":993218,"href":"https:\/\/capiwell.ch\/it\/wp-json\/wp\/v2\/pages\/993039\/revisions\/993218"}],"up":[{"embeddable":true,"href":"https:\/\/capiwell.ch\/it\/wp-json\/wp\/v2\/pages\/856"}],"wp:attachment":[{"href":"https:\/\/capiwell.ch\/it\/wp-json\/wp\/v2\/media?parent=993039"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/capiwell.ch\/it\/wp-json\/wp\/v2\/categories?post=993039"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}