Credit, made clear.
Finance, made calm.
Beevak Capital AG helps individuals and businesses understand credit and financing — with plain language, transparent numbers and the patience that money decisions deserve.
Transparency
Rates, fees and total cost explained before anything else.
Discretion
Your financial details are treated as private by default.
Clarity
No jargon walls. If a term matters, we explain it.
Independence
We start from your situation, not from a product.
Finance is better when it's understandable.
Beevak Capital AG is a Swiss company based in Zug, a canton long associated with finance, enterprise and innovation. We focus on a simple idea: people make better money decisions when they can see the whole picture.
That means walking through how credit works, what it truly costs over time, and what alternatives exist — before any commitment is made.
Swiss precision
Structured, careful and documented — the way financial work should be.
Total-cost thinking
We look beyond the monthly payment to the full price of borrowing.
Long-term mindset
Today's financing should support, not strain, your next five years.
Areas of focus
Four disciplines, one consistent standard: clear information and well-reasoned options.
Credit guidance
Understand personal credit products, how lenders assess applications, and how to present your finances in their best honest light.
Financing structure
Compare loan terms, repayment schedules and rate types so the structure fits your cash flow rather than fighting it.
Business finance
Working capital, equipment and growth funding explained for founders and small teams — with realistic cost scenarios.
Debt planning
Prioritisation methods, consolidation considerations and a calm path to reducing what you owe.
Risk awareness
Spotting predatory terms, hidden fees and warning signs — so you can say no with confidence.
Financial education
Practical, jargon-free explainers on interest, inflation, savings and budgeting you can use immediately.
Small facts, big difference
Six ideas that quietly shape almost every credit and finance decision.
The rule of 72
Divide 72 by an annual return or rate to estimate how many years it takes to double. At 6%, about 12 years — it works for debt growing, too.
Rate ≠ total cost
The annual percentage rate bundles interest with mandatory fees. Comparing APRs, not headline rates, gives a fairer picture of two offers.
Debt-to-income guide
Many lenders get cautious when total monthly debt payments exceed roughly a third of gross income. Knowing your ratio helps you plan ahead.
Months of reserves
A common guideline is an emergency fund covering three to six months of essential costs — it keeps small shocks from becoming new debt.
Days to reconsider
In Switzerland, consumer credit agreements generally come with a 14-day right of withdrawal. Always read your contract for the exact terms.
Time beats timing
Paying a little extra early reduces principal sooner, which shrinks the interest that is calculated on every later payment.
Loan calculator
Move the sliders to see how amount, rate and term change your monthly payment and total interest.
Illustrative calculation using a standard amortising loan. It excludes fees and is not an offer or advice.
A calm, four-step process
Listen
We start with your goals, constraints and timeline — not with a product list.
Analyse
We map income, obligations and options, then calculate the true cost of each path.
Explain
You receive a clear summary of choices, trade-offs and risks in everyday language.
Decide
The decision stays yours. We make sure you make it with full information.
Common questions
What is the difference between interest rate and APR?
The interest rate is the cost of borrowing the principal. The APR also includes certain fees and charges, expressing the yearly cost of the whole loan as a single percentage, which makes offers easier to compare.
How does my credit history affect a loan?
Lenders use your repayment history, current obligations and stability of income to judge risk. A consistent record of on-time payments typically leads to better terms and a smoother approval.
Is a longer loan term always better?
Longer terms reduce the monthly payment but usually increase the total interest paid. The best term balances a comfortable monthly budget with the lowest reasonable total cost.
Should I repay a loan early?
Often it saves interest, but check your agreement first — some contracts include early-repayment conditions. Compare the interest saved with any fees, and keep an emergency reserve before overpaying.
How do I contact Beevak Capital AG?
Write to us at [email protected]. Please do not include sensitive data such as full account numbers in a first email.
Beevak, in your pocket.
We're building a companion app for clearer money decisions — calculators, learning notes and a simple overview of your obligations. It's heading to the App Store.
Coming soon on theApp StoreLet's talk numbers.
Chollerstrasse 4
6300 Zug, Switzerland