Lending Marketplace in Switzerland – Loans & Private Debt Investments

Step 1: Loan application by the borrower

Private individuals and companies can submit a loan application free of charge and entirely online after registering. Our loan calculator provides an initial, non-binding estimate of the potential monthly payment.

Step 2: Review and credit decision

Once we receive the loan application, we carefully review the information and documents submitted. The credit decision is based on our internal risk models. If the application meets our requirements for creditworthiness and affordability, the credit project is assigned a risk-based rating. We then send the borrower the loan agreement with the corresponding terms and conditions.

Step 3: Publication of the credit project

Once the loan agreement has been concluded, we publish the credit project on our platform. There you will find the key information and figures, as well as the expected return. As a registered investor, you can invest from CHF 500, depending on the individual credit project.

Take a look at our current Investment oportunities.

Step 4: Financing by investors

Private and institutional investors have up to 14 days to make their investment commitment. However, many credit projects are fully financed much sooner. Once the financing reaches 100%, the amount invested is deducted from your CG24-Wallet. If the available balance is insufficient, the outstanding amount is requested via eMessage or eBill, or automatically debited from your PostFinance account via Direct Debit.

Step 5: Payout and active investment

Once the financing is complete, the loan amount is paid out to the borrower. As an investor, you will then see the credit project in your investor cockpit as an active investment.

Step 6: Interest and amortisation payments

Repayments depend on the repayment model of the respective credit project:

• For an instalment loan, you receive monthly interest and amortisation payments.

• For a real estate loan, you receive regular interest payments; the principal is repaid at the end of the term.

• For a bullet loan, interest and principal are repaid in a single payment at the end of the term.

The terms and payment dates applicable to each project are available before you invest. All repayments are processed according to the repayment schedule and displayed in your investor cockpit. A service fee is charged on repayments. Please refer to our fee table for the applicable fee.