CREDIT AGENCY

VERBIUM

Apply for your loan here

Your partner for loans

OUR SERVICES OVERVIEW

We are your partner.

COMPANY FORMATION

So you can clarify any specific questions that arise to your founding with one of our specialists.

LOAN APPLICATION

In such cases, a loan from Verbium helps. A loan can be easily applied online at Verbium.

ACCOUNTING

At verbium GmbH, we take care of your bookkeeping according to time or monthly fixed costs.

To accomplish your wishes

Possible with the credit that gives you financial leeway – and the good feeling of staying flexible.

  • in a few steps to your personal offer

  • free use of the loan amount

  • Free special repayments up to 100% possible at any time

Calculate monthly rate



Preferred loan: [item-371_price]   |   Interest rate: 7,95%

The monthly rate is [item-374_price] for a credit term of [item-372_quantity] months.

The total cost of your loan is [item-375_price]

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Occupation & Financial position



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Your personal information



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Your personal data



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The following documents must be uploaded


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Check and send

Summary

Description Information Amount Price
Discount:
Total:

I
acknowledge and give my consent that Cembra Money Bank AG (“Bank”) may forward
my application over the internet, via email or fax/post. Furthermore I
acknowledge:



Credit
Check and Data on Credit information: I confirm that all details stated above
are correct and I authorise the Bank to gather all information about me
required to verify this application and to handle the contractual relationship,
for example from banks, external credit analysts, public authorities, the
Central Agency for Credit Information (ZEK), the Information Agency for
Consumer Credit (IKO) as well as from other bodies in the case of corresponding
statutory obligations. The Bank may also register details of your application
with ZEK and IKO. I acknowledge the right of ZEK and IKO to inform their
members about the data received. Any possible data blocks ordered by me will
not apply to the Bank. I agree that certain credit information about my person
obtained in this connection from third parties, namely data from ZEK and IKO in
connection with the assessment of the application and the execution of the
contract, may be retrieved, processed and stored by the Bank and its
contractual partners (including intermediaries) outside of Switzerland.
Contractual partners and their employees are obliged to comply with data
protection according to the requirements of the Federal Law on Data Protection,
to observe banking confidentiality according to the Federal Banking Act and are
bound by confidentiality in general.



In
the case that I have given data regarding my spouse or legal partner (both
referred to as “partner”) I confirm that (i) I have informed my partner of this
application (ii) the Bank may directly contact my partner to verify his/her
submitted information above (iii) my partner understands and gives consent to
the Bank making the necessary credit checks as described above (including ZEK
information checks).



In
order to determine your creditworthiness, the Bank requires your personal data,
which you transmit via the Internet and/or electronic communication. You are
aware and you expressly agree that the Bank can pass on your data to service
providers as mentioned above for this purpose and that your data and documents
can be processed and stored for this purpose. The data will be stored after termination
of the contract and after balancing the account until expiry of the legal
retention period. After expiry of the legal retention period the data will be
deleted. Further legal information as well as information on data protection
are available  on the link "Legal Information" below.



Personal
Data and Data Protection: I authorise the Bank to process and analyse my data
and to use my data for marketing purposes and evaluations both in Switzerland
and abroad. I can revoke this authorisation at any time.



The
Bank may outsource services to third parties ("service providers"),
in particular in the area of handling business processes, IT security and
system control, marketing research, the calculation of business-relevant credit
and market risks as well as the administration of contractual relations (e.g.
application and contract processing, debt enforcement, customer communication).
I agree that service providers may have access to all my data in connection
with the services provided.



The
Bank may arrange for my data to be processed in countries which do not have a
level of data protection equivalent to that in Switzerland, and may entrust
service providers in such countries with the processing of my data. Data will
only be transferred after the service provider has committed to maintaining an
adequate level of data protection. I am aware and give my consent to my data
being transmitted and processed abroad and also over the internet. The Bank has
the right to reject this application without giving grounds.



This
application shall be transferred in encrypted form. Further correspondence
concerning the application, in particular correspondence sent by electronic
communication such as email and SMS, may also be transferred in unencrypted
form. I give my consent to the use of electronic communication media in
correspondence with the Bank. In particular, I am aware of the following risks
in connection with the use of electronic communication media:

  • Data will
    only be transferred in encrypted form when a secure https connection is
    established. In many cases (including transfer by email) unencrypted and open
    communication will take place via the Internet. SMS are only partially
    encrypted and encryption is weak;
  • The
    Internet is a worldwide, open network that is available to anyone and therefore
    may not be regarded as a safe environment. It is impossible to control the
    route used to transfer emails and this may involve transfer through other
    countries. Accordingly, the confidentiality of data transmitted by email is not
    guaranteed.  It is therefore possible for third parties to draw
    conclusions about an existing or prospective banking relationship between
    myself and the Bank.
  • Further you are aware that the data and information transfer via the Internet
    or electronic communication is susceptible to failure due to various causes.
    The Bank shall not be liable for any damage or consequential damage resulting
    from such faults or misrouting. The Bank further disclaims all liability for
    any loss or damage of any kind arising from the use of the Internet and/or
    electronic communication;
  • Emails
    and their attachments, as well as SMS, may be falsified or tampered with and
    their sender or recipient may be changed, lending them a false authenticity;
  • Emails
    and SMS may be deleted, misdirected or truncated due to technical
    errors/malfunctions;
  • Calling
    up Internet pages, including clicking links embedded in emails or SMS and
    opening data attachments, may, under certain circumstances cause harmful
    computer programs, such as viruses, worms, or trojans to reach the customer’s
    computer, smartphone or similar devices.


The
Bank shall only accept liability for incidents with intent or gross negligence
arising from or in connection with electronic communication and the exchange of
data using electronic communication media. In relation to open communication
via email, I expressly accept the risk that my data may be intercepted or
published by third parties during transfer and that confidentiality cannot be
guaranteed to this extent. For its part, the Bank cannot guarantee that emails
purportedly from senders at the Bank were indeed sent by the Bank; nor can it
guarantee that emails sent by the Bank or addressed to the Bank will not be
tampered with or will reach the correct recipient in good time.

Send a loan request

Company Formation

It’s that easy to start with Verbium

Step 1: Consultation (optional)

Before setting up, think about the appropriate legal form for your idea. If required, we can advise you personally or by phone. So you can clarify any specific questions that arise to your founding with one of our specialists. Make an appointment now.

Step 2: Offer calculation and data capture

If you know what kind of legal form you want to set up, you can contact us without any obligation, to make you an offer quickly or choose one of our packages below. Afterwards you can record the most important cornerstones of your company in just a few steps and commission the foundation with us.

Sole proprietorship

from CHF 399.00*
(excl. VAT)

* The price may vary based on the package choice.


GmbH

from CHF 599.00*
(excl. VAT)

* The price may vary based on the package choice.


AG

from CHF 749.00*
(excl. VAT)

* The price may vary based on the package choice.
  • Creation of founding documents
  • Telephone consultation with our lawyers
  • Notary fees
  • Cost of signature certification
  • Commercial register fees

General
partnership

from CHF 399.00*
(excl. VAT)

* The price may vary based on the package choice.

Branch
office

from CHF 499.00*
(excl. VAT)

* The price may vary based on the package choice.

Start-up
consultancy

from CHF 180/Std.
(excl. VAT)

* The price may vary based on the package choice.
  • Creation of founding documents

Our experts advise you on the tax and liability aspects of various types of companies

  • Telephone consultation with our lawyers
  • Cost of signature certification
  • Commercial register fees

Step 3: Documents

After we have received your order, we will check the details and contact you within 24 hours. This also includes the review of your chosen company name for possible conflicts in the context of corporate and trademark law. Open points will be discussed with you and adjusted if necessary directly about us. Afterwards you receive from us all documents, which are needed for your establishment fast and uncomplicatedly by email. So you can check these in peace again.

Step 4: Sign documents

If you have checked all the documents and they are correct, print out the documents and sign them. Anyone who is authorized to sign up for your company must have their signature certified. Depending on the canton, you can do this at the municipal administration or a notary’s office.

When founding a corporation (AG or GmbH), a capital payment confirmation is also required (if you deposit the share capital in cash). This will be issued to you by the bank where you have paid the start-up capital for your company.

The signed documents will be sent to us together with the certified signatures and the confirmation of payment of capital (AG or GmbH).

Step 5: Notarization (at GmbH and AG)

The documents are again checked for completeness. If all required documents and signatures are available, we pass them on to our notary. This carries out the public certification and thus the actual founding act. Afterwards, the notary will register your company directly with the competent commercial register office for registration.

Your company is now officially “in formation”.

Step 6: Commercial Register entry

The documents are again checked for completeness. If all required documents and signatures are available, we pass them on to our notary. This carries out the public certification and thus the actual founding act. Afterwards, the notary will register your company directly with the competent commercial register office for registration.

Your company is now officially “in formation”.

NON-BINDING OFFER

In a few steps, you can calculate a non-binding offer!

Package

For every company founding we have the perfect, tailor-made package!
Selection required

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Summary

Ihre Angaben

Package / Legal form:
[item-464_value]
Canton:
[item-472_value]
Share capital in CHF:
[item-474_value]
Payment in CHF:
[item-475_value]
Sales in CHF:
[item-476_value]


Price overview Company foundation

Package:
[item-464_price] 
+ VAT (7.7%):

[item-470_price]

Total:

[item-471_price]

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Your selection

Desired share capital and expected sales

* Please enter your expected turnover for the first 12 months from the foundation. From a worldwide turnover of CHF 100'000 per year (services and delivery of goods) you are subject to VAT (Art. 21 of the VAT Act). In this case we would like to apply for a VAT number.

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Contact details

Summary

Description Information Amount Price
Discount:
Total:

Send order

Accounting

At verbium GmbH, we take care of your bookkeeping according to time or monthly fixed costs. We are happy to advise you in German, English, French and Italian. Our office is centrally located in the heart of Basel.

Our prices:

  • Bookkeeping Costs per hour for simple work,
    such as booking vouchers
    CHF 120 to 180.- per hour
    (Important: Determine how many vouchers have to be posted, so you have an overview of the effort.)
  • Demanding tasks
    CHF 180 to 300.- per hour
    such as annual financial statements, tax optimization, VAT invoicing or payroll accounting
  • Annual financial statements
    CHF 1’500.00 to 2’500.00
    Costs without booking with tax declaration
  • Annual financial statements for a small business
    CHF 2’000.00 to 5’000.00
    one-man business (individual enterprise), GmbH or AG with book, VAT and tax declaration
  • Tax declaration
    CHF 400.00 to 800.00
    for GmbH or AG

Cost accounting per month

  • For a small company
    about CHF 290.- per month
    with 1 to 3 employees
  • For a medium-sized company
    about CHF 650.- per month
    with 4 to 10 employees
  • For a larger company
    about CHF 1’000 per month
    with 11 to 30 employees
  • If you have more than 30 employees
    you request a non-binding offer

Prices for payroll accounting

In payroll accounting, a lump sum is charged per employee. This can vary from several factors, for example, if the company has many hourly wages or withholding tax wages, then many more mutations per month will have to be made than if all employees have a fixed salary.

If the company has many new entrants and departures, then this can also increase the costs, as there are more payroll administration costs for the registration and deregistration of the social insurance.

  • Up to 10 employees
    about CHF 30.00 per month
    per employee
  • With more than 10 employees
    around CHF 20.00 per month
    per employee

Prices Tax declaration of private persons

  • Simple tax return
    CHF 100.00 to 300.00
    return from a private individual or married couple
  • More complex tax returns
    CHF 300.00 to 1’000.00
    (securities, mortgages, real estate, etc.) from a private individual or married couple:

About us

verbium GmbH was founded in 2016 and has the main objective of providing loans to private customers. In addition, our company supports Startups and business customers in the founding and accounting.

Roman Buff

Roman Buff

Managing Partner
Luis Sousa

Luis Sousa

Managing Partner
Rafael Oliveira

Rafael Oliveira

Executive Assistant
Sandra Costa

Sandra Costa

Executive Assistant

Contact and appointment

We are happy to advise you personally. Just arrange an appointment.