Kamuno provides Swiss SMEs with a digital loan product that delivers a real‑time credit estimate from minimal company data, without requiring document uploads. Borrowers receive a non‑binding offer within minutes and can access a flexible credit line for on‑demand withdrawals, with repayment schedules aligned to cash flow.
Funding
Funding not disclosed
Founders
Product
Problem
SMEs in Switzerland often face delays and paperwork when seeking liquidity for equipment purchases, premises expansion, or unexpected cash‑flow gaps, limiting their ability to act quickly on growth opportunities.
Solution
Kamuno offers a digital SME loan product that provides an instant, real‑time credit assessment based on a few key company metrics, without requiring traditional documentation. After a brief input, borrowers receive a non‑binding loan offer within minutes and can submit an application that is reviewed and approved within a few days. Once approved, the credit line is made available for flexible cash withdrawals, allowing businesses to draw funds as needed for operational or investment purposes while managing repayments on a schedule that fits their cash flow.
Target Audience
Primary customers are small and medium‑sized enterprises in Switzerland that need fast, uncomplicated financing for equipment acquisition, premises expansion, or short‑term liquidity needs.
Features
- Real‑time loan amount estimate generated from minimal company data
- No document upload required for the initial assessment and offer stage
- Non‑binding loan offer delivered in approximately five minutes
- Full application processing completed within a few business days
- Flexible credit line with on‑demand cash withdrawals up to the approved limit
- Simple online contract signing and rapid payout to the borrower’s account