Cashare and crowdlending

With crowdlending, also known as social lending or peer-to-peer (P2P) lending, private individuals and companies borrow money directly from many investors, the "crowd". No bank is needed as an intermediary.

Cashare runs the platform: we review the loan applications, bring borrowers and investors together and handle all payments. You can find explanations of more terms in the credit glossary.

Cashare is the first crowdlending platform in Switzerland and has been on the market since 2008. Cashare AG is a Swiss public limited company.

Through the platform, private individuals and companies borrow money directly from private and institutional investors. Investors fund personal loans, SME loans and real estate loans. For mortgages, we offer free brokerage to banks and insurance companies.

What Cashare does:

• We review every loan application and set the rating.
• We publish the loan projects on the platform.
• We handle funding, payout and repayment and pass the instalments on to the investors.
• In the event of late payment, we take care of reminders and collection.

You can find out more about the company under About us, and the company details in the imprint.

You can find the General Terms and Conditions here. The fee schedule is part of the terms and conditions and is available here.

You can reach our support team by phone, by email or via the contact form. The details are at the bottom of every page of the Help Centre.

If you have applied for a loan, you can also write to us via the "Mailbox" in your account.

• Cashare AG is a Swiss public limited company.
• Cashare is a financial intermediary within the meaning of AMLA Art. 2 Para. 3 and member of the FINMA-recognized self-regulatory organization PolyReg. PolyReg audits Cashare regularly.
• Cashare holds a lender's license from the Economic Affairs Directorate of the Canton of Zug.
• Cashare is connected to the Central Office for Credit Information (ZEK) and the Consumer Credit Information Office (IKO). We check every loan application carefully, personal loans under the Consumer Credit Act (CCA).
• The connection to our website and to your account is encrypted. Only authorised employees have access to your data.

How we handle your data is set out in the privacy policy.

We comply with the Swiss Data Protection Act. We mainly store the information you enter in your account yourself or that arises from a loan application. For the credit check, we also obtain credit information from external bodies, for example from the ZEK.

Only authorised employees have access to your data. Which data we process, for what purpose, and what rights you have is set out in the privacy policy.

If Cashare is no longer able to operate, the partner company Crowdguide GmbH could immediately take over the further processing. The details would then be determined depending on the situation.

Log in, click your username at the top right and choose "User data". There you can change your password, your email address and your username.

Forgotten your password? Click "Forgotten password" on the login page and follow the link in the email.

The second factor gives your account extra protection: when you log in, you enter a code generated by an app on your smartphone in addition to your password.

1. Install an authenticator app, for example Google Authenticator from the App Store or Google Play.
2. Log in, click your username at the top right and choose "User data".
3. Click "Enable two-factor authentication" and follow the instructions.

We communicate exclusively electronically; this is set out in the terms and conditions. Even a typo in the address can mean that someone else receives your emails. The confirmation link ensures that the address is correct. Your account is only active once you have clicked the link.

1. Check your spam or junk folder. Mark the email there as "not spam".
2. Add the domain @cashare.ch to your address book or your list of safe senders.
3. Check under "User data" that your email address is correct.

If the emails still do not arrive, please contact the support team.

No. For legal reasons, a borrower cannot act as an investor at the same time. If you would like to invest, first repay your loan in full and then contact the support team.

Write to the support team to say that you would like to delete your account. We will take the necessary steps.