Marketplace Lending Switzerland
Transparent, risk-based lending through a digital marketplace. Cashare has been connecting borrowers and investors directly since 2008 – with institutional quality and Swiss regulation.
What is Marketplace Lending?
Marketplace lending (also known as an online credit marketplace or platform financing) refers to the digital brokering of loans between borrowers and investors via a regulated online platform. Unlike classic P2P lending, marketplace lending also targets institutional investors such as pension funds, family offices or asset managers. The platform handles credit assessment, pricing, risk management and processing.
The Cashare marketplace model
Transparent price discovery
Every loan receives a risk-based interest rate calculated on the basis of creditworthiness, term and market conditions. No hidden markups.
Auction mechanism
Investors can bid on loan projects. Competition among investors ensures market-rate terms to the benefit of borrowers.
Risk-based pricing
Cashare classifies each borrower into risk classes. Interest rates reflect the actual default risk – transparent for all parties.
Automated processing
From application to repayment, everything runs digitally: contract execution, disbursement, collections and reporting all happen via the platform.
Private and institutional investors
Private investors
Institutional investors
Regulation in Switzerland
Cashare operates within the strict Swiss regulatory framework. The platform meets all requirements of the Consumer Credit Act (KKG) and is a member of SRO PolyReg. Both investors and borrowers are thus protected under Swiss law.
SRO PolyReg
Regulated member
Swiss KKG
Consumer Credit Act compliant
Data protection
Swiss DSG compliant
Marketplace Lending vs. Bank vs. Bond Market
| Criterion | Marketplace Lending | Bank | Bond Market |
|---|---|---|---|
| Liquidity | Medium (secondary market) | High | High (exchange-listed) |
| Return | 5.0%–14.9% p.a. | 0.5%–3.0% p.a. | 1.0%–5.0% p.a. |
| Minimum investment | CHF 100 | None | CHF 1,000–50,000 |
| Regulation | KKG, SRO PolyReg | FINMA | SIX, FINMA |
| Transparency | Credit data per project | Limited | Issue prospectus |
| Term | 12–84 months | Variable | 1–30 years |
Frequently asked questions about marketplace lending
What is marketplace lending?
Marketplace lending refers to the digital brokering of loans via an online platform that directly connects borrowers and investors. Unlike bank financing, there is no bank balance sheet – the capital comes directly from investors. Cashare has been operating Switzerland's first credit marketplace since 2008.
How does marketplace lending differ from P2P?
P2P lending (peer-to-peer) originally referred to direct lending between private individuals. Marketplace lending is a broader term that also includes institutional investors and describes a more structured, technologically advanced infrastructure. At Cashare, both investor types invest on the same marketplace.
Is marketplace lending regulated in Switzerland?
Yes. Cashare is licensed under the Swiss Consumer Credit Act (KKG) and is a member of SRO PolyReg (self-regulatory organisation). The platform is therefore subject to Swiss financial market law. A FINMA banking licence is not required for brokerage platforms as long as no own lending from a bank balance sheet takes place.
What returns are possible with marketplace lending?
Private investors at Cashare achieve an average return of 5.9% p.a. Depending on risk class and loan type, 5.0%–14.9% p.a. are possible. Institutional investors can invest in higher risk classes through individual portfolio strategies and achieve correspondingly higher returns.
Invest in the Swiss credit marketplace now
Whether private investor or institutional investor – Cashare offers you direct access to Switzerland's largest crowdlending marketplace since 2008.