{"id":1897,"date":"2025-06-20T11:48:40","date_gmt":"2025-06-20T09:48:40","guid":{"rendered":"https:\/\/ahead-zh.ch.ownb.it\/testbeitrag-2\/"},"modified":"2025-06-30T09:45:09","modified_gmt":"2025-06-30T07:45:09","slug":"more-flexibility-for-founders-the-new-zkb-overdraft-facility-at-ahead","status":"publish","type":"post","link":"https:\/\/ahead-zh.ch\/en\/more-flexibility-for-founders-the-new-zkb-overdraft-facility-at-ahead\/","title":{"rendered":"More Flexibility for Founders: The New Ahead Microloan"},"content":{"rendered":"\n\t
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  1. \n\t\t\t\t\n\t\t\t\t\t<\/path><\/svg>\n\t\t\t\t<\/a>\n\t\t<\/li>\n\t\t
  2. \n\t\t\t\t|<\/span>\n\t\t\t\tNews & Events<\/a>\n\t\t<\/li>\n\t\t
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  4. \n\t\t\t\t|<\/span>\n\t\t\t\tMore Flexibility for Founders: The New Ahead Microloan<\/a>\n\t\t<\/li>\n\t<\/ol>\n<\/nav>\n\n\n

    New: Flexible Ahead Microloan for Founders<\/h1>\n

    Founders can now receive their Ahead microloan as an overdraft facility \u2013 flexible in use, fair in interest, and tailored to real needs. More room for entrepreneurship with Ahead and ZKB.<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t\t\"\"\n\n\t\t\t\t\t


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    More Flexibility for Founders: The New Ahead Microloan<\/strong><\/h4>\n

    As part of the collaboration between Ahead and Z\u00fcrcher Kantonalbank (ZKB), there is an important update for future entrepreneurs: the microloan is no longer disbursed as a standard loan, but now as an overdraft facility. This change affects not only the form of disbursement \u2013 it also opens up new possibilities for founders.<\/p>\n

    What\u2019s New?<\/strong><\/h4>\n

    Until now, successful loan applicants received amounts between CHF 5,000 and CHF 40,000 as a traditional loan. From now on, the business loan will be provided as an overdraft facility directly via a ZKB business account.<\/p>\n

    The Benefits at a Glance<\/strong><\/h4>\n
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      Maximum flexibility<\/strong>: Borrowers can draw only the funds they need. Interest and fees apply only to the amount actually used.<\/p>\n<\/li>\n

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      No immediate repayment obligation<\/strong>: The first repayment is due no later than six months after the loan is granted, followed by monthly repayments, aiming for full repayment within four years.<\/p>\n<\/li>\n

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      Market-based interest agreement<\/strong>: The interest rate is determined individually and adjusted to current market conditions.<\/p>\n<\/li>\n<\/ul>\n

      ZKB \u2013 A Strong Banking Partner in the Zurich Economic Region<\/strong><\/h4>\n

      Who Can Apply for the Ahead Microloan?<\/strong><\/h4>\n
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        Sole proprietorships, general partnerships, or LLCs (GmbH) domiciled in the Zurich economic region<\/p>\n<\/li>\n

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        A viable business idea backed by a convincing budget and no existing debt<\/p>\n<\/li>\n

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        No open debt collection proceedings and a clear financial situation<\/p>\n<\/li>\n

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        Founders must demonstrate professional competence and willingness to undergo training<\/p>\n<\/li>\n

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        For LLCs: joint surety from shareholders is required<\/p>\n<\/li>\n<\/ul>\n

        A Step Forward<\/strong><\/h4>\n

        With the new ZKB overdraft facility, Ahead offers founders greater entrepreneurial freedom and flexibility in building their businesses. A modern financing solution tailored to real needs \u2013 a step in the right direction for all those ready to bring their ideas to life.<\/p>\n<\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

        Ab sofort erhalten Gr\u00fcnder:innen ihren ZKB Mikrokredit als Kontokorrent<\/p>\n","protected":false},"author":4,"featured_media":1895,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[43],"tags":[],"class_list":["post-1897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kmu-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/ahead-zh.ch\/en\/wp-json\/wp\/v2\/posts\/1897","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ahead-zh.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ahead-zh.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ahead-zh.ch\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/ahead-zh.ch\/en\/wp-json\/wp\/v2\/comments?post=1897"}],"version-history":[{"count":10,"href":"https:\/\/ahead-zh.ch\/en\/wp-json\/wp\/v2\/posts\/1897\/revisions"}],"predecessor-version":[{"id":2949,"href":"https:\/\/ahead-zh.ch\/en\/wp-json\/wp\/v2\/posts\/1897\/revisions\/2949"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ahead-zh.ch\/en\/wp-json\/wp\/v2\/media\/1895"}],"wp:attachment":[{"href":"https:\/\/ahead-zh.ch\/en\/wp-json\/wp\/v2\/media?parent=1897"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ahead-zh.ch\/en\/wp-json\/wp\/v2\/categories?post=1897"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ahead-zh.ch\/en\/wp-json\/wp\/v2\/tags?post=1897"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}