Invest in Swiss loans
Better returns with interesting loan projects
nominal interest
financed projects
users
Invest together in Swiss loans
Invest with LEND in the Swiss loan market. Build a diversified portfolio and generate much higher returns compared to similar investment opportunities.
Your investment amount in CHF
50000
Terms
Investment opportunities at LEND
Invest in Swiss loans directly or indirectly - the choice is yours.
LEND offers private and institutional investors different opportunities to invest in personal and business loans.
Direct investment
Decide for yourself how much to invest and in which project.
- From as early as CHF 500 per project
- Build up a hand-picked loan portfolio - according to your own risk appetite
- Attractive return
RoboInvest
Define investment criteria and sit back.
- Diversified portfolio according to own specifications
- Robo invests automatically up to the set target amount
- High diversification
- Attractive return
LEND Fund
Invest once and still be maximally diversified.
- Structured access to Swiss retail and commercial loans for institutional and qualified investors
- Managed by our partner 1741 Group
- Attractive return
AMC
Access to Swiss loans in foreign currency and tradable on the secondary market.
- From 50'000 CHF, EUR or USD, tradable on the secondary market
- Managed by our partner ISP Securities
- Attractive return
Compelling arguments
There are many compelling reasons for investing in loans with LEND. See for yourself!

High returns
While LEND offers fair interest rates for borrowers, returns for investors are significantly higher compared to a savings account but more importantly compared to investments with similar risks. Create a diversified and high-yielding portfolio by investing in different scores and terms.

Amortisation reduces your capital-at-risk
Monthly repayments reduce the outstanding capital constantly. You can reinvest the repayments in new loans and thereby optimise the diversification and return potential of your portfolio. At mid-term your capital-at-risk is reduced to around 50%.

Thorough risk underwriting
We take a very close look! And because we do, we only approve 12% of loan applications for funding by our investor community. Our rigorous credit underwriting pays off. A clear advantage! Read more about our risk underwriting and scores.

Crowdlending is a growth market
Investors and borrowers both profit from crowdlending aka peer-to-peer lending. Without a bank in the middle your costs are low and returns high. And in addition to that, LEND is 100% transparent.
Learn more about risk and return
You cannot expect return without risk. However, the loan market is a new asset class that provides significantly higher returns than comparable investments. LEND enables you to achieve your expected return thanks to a top-notch investor cockpit, full cost transparency, and a comprehensive and stringent risk analysis of each loan applicant.
Risk Scores at LEND
LEND assesses the creditworthiness as well as the financial standings of each borrower. We check relevant data and work closely with third-party databases such as ZEK, Crif and Intrum. LEND’s proprietary algorithm calculates a default probability and derives the appropriate risk score for each borrower.
- Very stable life: address, employer, partner
- Exceptional loan payment track record
- Home owners eligible for A+
- Proven solid track record, well diversified, hardly vulnerable to adverse changes
- Strong capacity to meet its financial commitment; Often with credit enhancements
- Solid security in place
- Stable life: few address and/or job changes
- Positive loan payment track record
- Well positioned in domestic market, little diversified, capable of absorbing setbacks
- Solid capacity to meets its financial commitment; Sometimes mitigated by securities
- Changing life situations
- Few or no loan payment records
- Challenge to keep market share, hardly diversified, some exposure to adverse changes
- Good capacity to meet its financial commitment; Size and earnings in line with peers
- Collection experiences, nothing open
- No loan experience, e.g. younger person or recently moved to Switzerland
- Fluctuating past performance, unstable industry outlook, uncertainty to adverse changes
- Satisfactory credit quality; Size and financial ratios slightly below industry norms
- Inconsistent past performance with some negative outlook; exposed to adverse changes
- Modest credit quality; Financial capacity temporarily below acceptable level
- Disqualifying or bad loan experiences
- Financial situation not sufficient
- Residency, employment, etc. criteria not met
- Weak past performance, negative industry outlook, not capable of absorbing setbacks
- Insufficient credit quality; Poor financial ratios; Recovery requires favorable outlook
1) Annual interest rate received by lenders. Interest rates on loans depend on the LEND Investment Category, Loan Term and selection of optional borrower insurance.
2) Annual return after servicing fees, which investors earn on their capital invested through LEND. Provisions for losses are not reflected.
3) The expected Cumulative Loss Rate is indicative only and based on the statistical LEND model, calibrated with industry experience data and routinely validated.
IMPORTANT: Actual returns can vary from the indicated Target Return ranges. LEND is not responsible for the financial performance of investments made through LEND.
Diversification of assets
The cornerstone of a successful investment strategy is diversification. At LEND you can allocate your investment to multiple loan projects and achieve the desired diversification effect. In a diversified portfolio a default a default has less impact which protects your expected return.
Investment opportunities at LEND
Invest in Swiss loans directly or indirectly - the choice is yours.
LEND offers private and institutional investors different opportunities to invest in personal and business loans.
In addition to direct investments, you can also automate your investments via RoboInvest. Furthermore, there is the possibility to subscribe to the LEND fund or to invest in AMCs in different currencies.
Direct investment
Via our platform you invest directly in the credit projects of your choosing and keep track of them yourself.
RoboInvest
Build your diversified Portfolio according to your specifications. Capital repayments are reinvested automatically, ensuring a constant exposure.
LEND Fund
We operate the LEND Fund together with our partner 1741 Group. The fund provides institutional investors with structured and systematic access to a Swiss credit portfolio.
For more information, please visit the 1741 Group website.
Actively Managed Certificate (AMC)
In cooperation with ISP Securities, we have set up AMCs (Actively Managed Certificates) in various currencies. These invest in LEND loans and take over the selection of suitable projects. In addition, they are tradable thanks to an integrated cash buffer.
- LEND AMC in CHF: ISIN CH0565165849
- LEND AMC in EUR: ISIN CH0587597003
- LEND AMC in USD: ISIN CH0587596989
Payment Protection Insurance
The majority of loans on LEND are insured against the risks of unemployment, inability to work and death by our partner “Helvetia Versicherungen”. The protection covers monthly payments for up to12 months (unemployment and inability to work) or the outstanding principal (death). The Payment Protection Insurance considerably reduces the risk of non-payment.
How does LEND reduce the default risk?
We reduce the default risk with multiple measures:
- stringent quality- and risk assessment
- Payment Protection Insurance (Helvetia)
- Diversification
- Constant reduction of your capital-at-risk with monthly repayments
- Management of late payments
Our interests are aligned with yours, as we only earn our fee if the borrower makes the monthly payments. This guarantees that we will do our best that borrowers meet their payment obligations.
Contract management and debt collection
Should a borrower not meet his payment obligations we manage the reminder process and work with professional debt collectors to develop the best possible solution.
Who is Lend
LEND is a brand and platform operated by Switzerlend AG with its offices based in Zürich. Switzerlend has a lending license and as a financial intermediary is a member of and supervised by SRO PolyReg.
We are proud of our state of the art risk underwriting which is based on a proprietary risk model developed by LEND. We screen each borrower in close cooperation with third party information providers.