CivicBondCivicBond

For Municipalities

Stop paying bank margins. Start borrowing at the rate the market offers.

CivicBond runs a competitive Dutch auction for your financing need — giving every eligible Swiss institutional investor the chance to bid. The lowest clearing rate wins. You save the difference.

Calculate Your Savings Book a Demo

Savings Calculator

See what you'd save on your next project

Savings Calculator

Estimate your municipality's savings

CHF 15’000’000
CHF 1MCHF 100M
65 bps
0 bps150 bps

Swiss banks typically charge 50–80 bps annually. CivicBond replaces this with a one-time 20 bps transaction fee.

Estimated Annual Margin Saving vs. Bank Loans45 bps
Estimated annual interest savingCHF 67’500
Total saving over loan termCHF 1’012’500
CivicBond transaction fee (est., one-time)CHF 30’000
Issuer SaaS over 15Y termCHF 75’000

Net benefit to your municipality

CHF 907’500

Your municipality saves approximately CHF 907’500 compared to your current bilateral bank loan over the life of this instrument.

Book a Demo — show us your project

For illustrative purposes only. Actual auction outcomes vary by deal and market conditions.

The Process

How CivicBond works for municipalities

1

Register

Create your municipality's CivicBond profile. Provide basic financial information and project details.

1 day
2

Credit Rating

Our integrated rating partner (e.g. Fedafin) assesses your creditworthiness and assigns a standardised rating. Fully independent — no conflict of interest.

1–2 weeks
3

Instrument Structuring

CivicBond's legal-tech partner creates a standardised, FINMA-compliant security. The 10/20 Non-Bank rule is resolved automatically at this stage.

3–5 days
4

Auction Live

Your instrument is listed on the CivicBond platform. All eligible institutional investors are notified. Bids come in simultaneously — real-time price discovery.

5–10 business days
5

Settlement

The lowest clearing rate wins. Funds are disbursed to your municipality's account via our custodian bank partner. Full audit trail provided.

2–3 business days
6

Lifecycle Management

Coupon payments, reporting, and investor communications are handled automatically on the platform. One digital thread from rating to final repayment.

ongoing

FAQ

Frequently asked questions

We structure a minimum funding threshold before listing. If the threshold is not reached, no deal is executed and no fee is charged. In the pilot phase, a backstop underwriting agreement with a founding cantonal bank ensures the first auctions succeed.

Ready to test it on your next project?

30 minutes. No commitment. We'll show you a live auction with your numbers.

Book a Demo