Smart investors. In other words, private or institutional investors who prefer to invest directly in individuals or companies rather than in expensive financial products that primarily generate handsome profits for the bank. That's what Crowdlending offers.

Personal loans

The process for personal or consumer loans is highly automated. You open a LEND account, click through our application process and immediately see a non-binding offer from our AI credit model. You then upload a few documents and we review your specific situation, assess the credit risk and offer you a contract.

Mortgages

You open a LEND account and provide a few details about yourself and the property you wish to use as collateral for the mortgage. One of our mortgage specialists will then contact you to discuss your specific situation.

SME loans

You open a LEND account and go through the application process online. Please note that we only grant loans to companies that are registered in the commercial register, can provide at least two annual financial statements and have an annual turnover of more than CHF 100,000.

LEND assigns each borrower an individual credit rating based on the information provided by the borrower in combination with information from third parties (‘scoring’). The score reflects the probability that the borrower will repay the loan in full. Based on this score, we divide borrowers into risk categories A, B, C, D or NR. Depending on the risk category, we set the interest rate that adequately compensates for the credit risk.

LEND exchanges information with all offices and information providers necessary for thorough risk assessment (underwriting) and budget calculation. These include government agencies, credit rating databases (CRIF, Intrum, Creditreform) and, in the case of consumer loans, the Central Credit Information Office (ZEK/IKO).