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Growth & Capital · 🏦 Commercial Banker

Une entreprise vient de lever des fonds. La prochaine conversation portera sur sa relation bancaire.

Swiss companies that complete a capital increase need to act quickly — parking new funds, restructuring payroll, opening accounts in a new canton. The banking conversation happens in the first two weeks, not month two. Commercial bankers who reach out before the investor's house bank does win relationships that last years.

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The timing advantage

Be the first to know. Be the first to call.

Banking relationships are won in the days immediately after a triggering event — not weeks later when the incumbent has already had three conversations. The window for commercial bankers is narrow, and it opens the moment a SHAB notice lands.

1
Capital raises force banking decisions

Une levée de plus de CHF 3M soulève immédiatement des questions de structure de compte : où détenir le fonds de roulement, comment gérer la conversion de devises des investisseurs étrangers, si la ligne de crédit existante peut suivre. Ce sont des décisions que le CFO doit résoudre en première semaine, pas au deuxième trimestre.

2
New leadership means a fresh look

An incoming CFO or CEO has no loyalty to the incumbent bank. They arrive evaluating every existing vendor relationship — and a commercial banker who calls the first week with a relevant insight positions as a trusted advisor, not a cold solicitor.

3
New registrations need their first bank

Une GmbH ou AG nouvellement inscrite a besoin d'un compte professionnel pour fonctionner — parfois en quelques jours. Une prise de contact précoce avec les fondateurs dans leur première semaine se transforme en une relation pluriannuelle dès le tout début de la vie financière de l'entreprise.

Your signals

Which SHAB events matter for Commercial Bankers

Three SHAB event types reliably indicate a company at an inflection point where banking relationships are being evaluated or formed. Each one creates a different but equally time-sensitive conversation.

💰 Capital Increase
HIGH SIGNAL
Une augmentation de capital publiée est le déclencheur bancaire le plus fort dans le SHAB. L'entreprise dispose de nouveaux fonds à déployer et d'une courte fenêtre avant que la banque de référence de l'investisseur ne reçoive l'introduction. Contactez-les dès la première semaine avec une approche concrète sur la structure de compte et le FX — c'est la discussion qu'ils ont déjà en interne.
👤 Leadership Change
HIGH SIGNAL
Un nouveau CFO ou CEO passe généralement en revue toutes les relations fournisseurs importantes au cours de ses 90 premiers jours. Pour la banque en place, c'est un risque. Pour un banquier challenger, c'est une opportunité. Le nouveau dirigeant n'a aucun attachement émotionnel à la relation existante et cherche activement à faire ses propres choix.
🆕 New Registration
HIGH SIGNAL
Une AG ou GmbH nouvellement constituée a besoin d'un compte professionnel avant de pouvoir opérer. Ces fondateurs ne sont pas encore bancarisés et n'ont pas de prestataire en place à déloger. L'avantage du premier entrant se cumule ici sur des années — vous grandissez aux côtés de l'entreprise dès le premier jour, en construisant la relation bien avant qu'elle ne devienne un client majeur.
Real scenario
Capital Increase — Luminos AG in Basel — Day 1 vs Day 30

Une entreprise technologique basée à Basel boucle une levée de CHF 5M. La SHAB publie l'augmentation de capital. Ce qui se passe ensuite dépend entièrement du moment où vous prenez contact.

8:04 AM
The SHAB publishes. Capital Increase filed for Luminos AG, Basel — CHF 5M, new share class registered.
8:15 AM
Your Founders & Movers brief lands. Commercial Banker score: 94. AI angle attached — FX structure, working capital facility, payroll account setup.
9:30 AM
You reach out in the week after the raise. They need to park the new capital somewhere, set up payroll, maybe open a business account in a new canton. You're the relationship banker who already knows their story.
Day 30
Their VC put them in touch with their house bank. The relationship is already warm. A cold pitch from an unknown banker feels like noise.
Why the window closes

Day 1 vs Day 30 — the difference is the deal

Best case
Day 1 — You call today
  • The CFO is actively figuring out where to put the new capital — your call lands in the middle of that decision
  • No bank has been introduced yet by the lead investor; you have first-mover position
  • You can reference the specific raise amount, structure your pitch around their actual situation, and demonstrate you've done homework
  • Une conversation de 30 minutes cette semaine peut verrouiller une relation pluriannuelle avant même que le marché ne sache que l'opération est conclue
Worst case
Day 30 — You call next month
  • The investor has already made three banker introductions; the new account is open and the relationship is warming
  • The CFO has resolved the immediate capital parking question — your call is about something they've already solved
  • The company's existing bank has had a retention conversation and offered improved terms to keep the relationship
  • You look like every other banker with a cold pitch — no context, no timing, no reason to switch
Reach out with reason

Not "I help companies like yours." A specific reason to call.

SHAB events give you a real, specific, verifiable reason to reach out. That changes the conversation from cold outreach to warm intelligence — and it changes the reply rate from near zero to genuinely competitive.

❌ Generic cold outreach
Subject: Business banking solutions for growing companies

Hi,

We offer tailored business banking solutions for Swiss SMEs. As your company grows, having the right banking partner can make a real difference. I'd love to discuss how we can support your financial needs.

Best regards
✓ SHAB-triggered with AI angle
Subject: Luminos AG — CHF 5M raise, a few banking questions worth asking now

Saw Luminos AG completed a CHF 5M raise in Basel last week. At that level, the questions worth asking early are: optimising FX conversion if you have international investors, credit facility structure for working capital, and whether your current account setup scales to your new payroll run. Happy to walk through these — 30 minutes, no pitch.
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Other roles

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Founders & Movers has 27 pre-configured roles. These work similarly to Commercial Banker — they all turn SHAB capital and leadership signals into warm outreach opportunities.

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