6.35 %

nominal interest

761

financed projects

11.089

users

This is why you should

invest with LEND

Invest now

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

Score

Terms

Average net return

4.77 %

Interest Income p.a.
in CHF

4'890

Any questions?

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Compelling arguments

There are many compelling reasons for investing in loans with LEND. See for yourself!

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 our strategic partner Intrum Justitia as well as other external databases such as ZEK and Crif. LEND’s proprietary algorithm calculates a default probability and derives the appropriate risk score for each borrower.

Category
A
Typical Borrower Description
  • Very stable life situation: married, children, atsame address and at same employer for a long time
  • Excellent finances and clean experiences with loans
  • Home owners eligible for A+
Nominal Interest 1)
Targeted Return 2)
Expected Cumulative Loss Rate3)
A+
3.04 - 4.31%
1.92 - 3.07%
0.19 - 0.44%
A
3.33 - 4.51%
2.26 - 3.27%
0.29 - 0.54%
Category
B
Typical Borrower Description
  • Stable life: few address and/or job changes
  • Good to excellent finances
  • Positive payment records
Nominal Interest 1)
Targeted Return 2)
Expected Cumulative Loss Rate3)
B
4.48 - 6.56%
3.58 - 5.46%
0.40 - 0.74%
Category
C
Typical Borrower Description
  • Changing life situations: recently changed employer, moved, changed marital status
  • Few or no payment records
Nominal Interest 1)
Targeted Return 2)
Expected Cumulative Loss Rate3)
C
6.27 - 8.12%
5.68 - 7.15%
0.75 - 1.38%
Category
S
Typical Borrower Description
  • Self-employed persons (Sole Proprietorship or employed in own company). Minimum of 2 years self-employed and demonstrated track-record
  • S1 approximates investment category A+ in terms of expected loss rate, S2 approximates A and S3 corresponds to classes B and C
Nominal Interest 1)
Targeted Return 2)
Expected Cumulative Loss Rate3)
S1
3.04 - 4.31%
1.92 - 3.07%
0.19 - 0.44%
S2
3.60 - 4.51%
2.56 - 3.27%
0.29 - 0.54%
S3
6.73 - 8.12%
6.23 - 7.15%
0.40 - 1.38%
Category
D
Typical Borrower Description
  • Possible collection experiences, but nothing major or open
  • No loan experience (e.g. younger person or recently moved to Switzerland) and lower income levels
  • Best Model-Scores selected for D1 subcategory
Nominal Interest 1)
Targeted Return 2)
Expected Cumulative Loss Rate3)
D1
7.44 - 8.12%
7.07 - 7.15%
0.94 - 1.72%
D2
no offering
no offering
1.44 - 2.65%
D3
no offering
no offering
1.72 - 3.16%
Category
E
Typical Borrower Description
  • Disqualifying or bad payment or loan experiences (e.g. credit bureau, debt enforcements)
  • Financial situation not sufficient
  • Residency, employment, presence in Switzerland criteria not met
Nominal Interest 1)
Targeted Return 2)
Expected Cumulative Loss Rate3)
E
no offering
no offering

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.

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 our strategic partner Intrum Justitia.