Statistics
When making investment decisions, investors ask the same questions: How much return will I make? How long until my money is fully invested? What losses must I expect?
Therefore, we cover the three main topics on our statistics page: return, volume and risk.
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We have our data verified by two independent rating agencies: LoanClear and Exaloan, the market leaders in the evaluation of lending performance data.
LEND is the only platform in Switzerland to venture an independent evaluation of performance data. It shows that our mantra "quality before growth" creates sustainable value for investors.
Net Return Index
The Net Return Index NRI represents an investment scenario assuming an initial investment of CHF 1’000 and a reinvestment of all returns. For LEND, the curves are based on historical performance data for Personal and SME loans - after defaults and platform fees. The red curve represents an investment in non-government Swiss Bonds SBI. While both LEND indices increase over time showing a steady and solid performance, the SBI closes with a very low value as of 1st March 2026.
CHF 5.3 bn
Application Volume
Application Volume
Paid Out Volume
Paid Out Volume
Outstanding Volume
Outstanding Volume
CHF 563 m
Paid Out Volume
Cumulative Net Loss
A Vintage diagram clusters all loans into different groups based on the year that they were issued. The horizontal axis shows the amount of months since origination. Each curve shows the evolution of the cumulative net loss of a group over time. It accounts for both losses and recoveries.
A decreasing curve reflects successful recoveries on defaulted loans.
Personal
The consistency of the net loss curves from private loans is the most striking takeaway. This demonstrates strong risk control, maintained even as the business scaled and credit decisioning models are updated. Although net loss increased in 2018 from loans sourced through agents, we promptly ended those collaborations. This focus on quality has resulted in the stable risk rates observed since then.
Mortgage
The mortgage portfolio comprises a diverse blend of loan products, catering to both commercial enterprises and individual borrowers. Across the portfolio all the loans are secured by property offering a layer of protection against default.
SME
To mitigate net losses on SME loans, Lend generally relies on security measures. These usually include loans often backed by personal guarantees or security interests over the business’s assets. A successful strategy observed in 2023 was the use of joint guarantees, which helped ensure recovery and reduced the loss from a defaulted loan.
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All data shown here are provided and verified by LoanClear. The data for "Requested Credit Volume" and "OTC" are provided by LEND.