Rethinking financing: Kamuno brings flexibility to SME loans
Kamuno offers SMEs a digital credit platform with quick decisions, flexible financing and simple processes. Behind the offering are experienced credit experts who want to revolutionize the classic bank loan in the medium term.
SMEs are the backbone of the Swiss economy, but smaller companies in particular often find it difficult to obtain bank loans. Many shy away from the bureaucratic effort involved or are not considered a priority target group by traditional banks. Instead, they often resort to expensive or cumbersome alternatives.
This is exactly where Kamuno comes in: The platform was developed specifically for SMEs to facilitate access to credit and open up the market for smaller financing. Loans of up to CHF 250,000, which previously often involved long verification processes, are now available quickly, digitally and efficiently.
Flexibility and transparency - the decisive advantage for SMEs
What makes Kamuno unique is not only the speed of the credit check, but also the flexibility of use. Companies immediately receive an initial assessment of whether they are creditworthy and find out their potential credit limit straight away.
Instead of taking out a fixed loan amount all at once, SMEs can obtain flexible loans from Kamuno within this framework - exactly as much as they need at any given time. This means
- The first disbursement amounts to at least 50 % of the approved credit line.
- The company can then call up further funds at any time - exactly as much as it needs.
- Costs are only incurred for the amount actually used - not for the entire credit line.
This offers maximum financial flexibility: for example, a company can obtain a credit line of CHF 100,000, but initially only use CHF 50,000 for an investment. Later, if further funds are required, it can flexibly access the remaining 50,000 francs - without having to reapply and without incurring unnecessary costs.
This dynamic financing solution gives SMEs more control over their liquidity and unnecessary capital costs.
Who is driving the project forward?
Kamuno was founded as a subsidiary of Urner Kantonalbank (UKB), which has supported the project from the outset as the majority shareholder. The company operates independently, but remains strategically linked to UKB. The Chairman of the Board of Directors is Christoph Bugnon, CEO of UKB.
The management team consists of Régis Lehmann (CEO), Attila Janecsko, Samantha Pitchford and Roger Twerenbold - all with many years of experience in the lending business. The 16 employees now have an average of 15 years of financial expertise.
Kamuno relies on strategic partnerships for technological innovations. Swisscom Sign enables secure digital contract signing for SMEs. In addition, the DAI Group uses its banking expertise to provide a powerful data management solution that makes financing processes more efficient.
Long-term vision: Where does Kamuno want to go?
Kamuno is more than just a lending platform - it is the first step towards a digital future for SME financing. The strategy envisages a gradual expansion of the platform in order to offer additional financial services for small and medium-sized enterprises in the long term. In doing so, Kamuno is targeting growth in the small business segment, which has often been neglected by traditional banks to date. At the same time, processes are being continuously automated in order to make financing even faster and more efficient. The platform is deliberately starting with a controlled introduction in order to adapt the system optimally to the needs of SMEs.
