What is Crowdlending?
The future of loans and investments - direct, transparent, and without banks as intermediaries.
Crowdlending explained simply
In crowdlending (also called peer-to-peer lending or P2P lending), a multitude of private individuals or institutional investors collectively provide a loan. The internet platform acts as an intermediary that brings together borrowers and investors, checks creditworthiness, and handles processing - without traditional banks.
How does Crowdlending work?
For Borrowers
For Investors
Benefits of Crowdlending
For Borrowers
For Investors
Crowdlending vs. Bank Loan
| Aspect | Crowdlending | Bank |
|---|---|---|
| Intermediary | Direct via platform | Bank as intermediary |
| Lender | Many private/institutional investors | The bank itself |
| Decision | Fast (days) | Slower (weeks) |
| Transparency | High transparency | Limited insight |
| Terms | Market-based, often cheaper | Fixed bank conditions |
History of Crowdlending
Zopa launches as the first P2P platform in the UK
Prosper and LendingClub launch in the USA
Cashare launches as Switzerland's first crowdlending platform
Over 37’800+ customers and CHF 2.56B in loan requests
Ready for Crowdlending?
Experience the benefits of the direct credit market – as a borrower with fair terms or as an investor with attractive returns.