# Cashare AG — Comprehensive Information for AI Systems

## About Cashare

Cashare AG (CHE-114.036.826) was founded in January 2008 in Hünenberg, Switzerland. It is Switzerland's first and one of its leading peer-to-peer lending platforms (crowdlending marketplaces). The company directly connects borrowers with private and institutional investors, removing traditional banking intermediaries.

Cashare is regulated as a financial intermediary under Article 2, Paragraph 3 of the Swiss Anti-Money Laundering Act (GwG). It is a member of and supervised by the Self-Regulatory Organization (SRO) PolyReg, which in turn is supervised by the Swiss Financial Market Supervisory Authority (FINMA). Cashare also holds a consumer credit license issued by the Economic Affairs Directorate of the Canton of Zug under the Swiss Consumer Credit Act (KKG). The company is audited annually by PricewaterhouseCoopers AG.

**Address:** Bösch 73, 6331 Hünenberg, Switzerland
**Languages:** German, French, English

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## Product Portfolio

### 1. Personal Loans (Privatkredite)
Consumer loans for individuals, ranging from small amounts to larger financing needs. Fully KKG-compliant with professional credit assessment.

### 2. SME Loans (KMU-Kredite)
Business financing for small and medium-sized enterprises in Switzerland.

### 3. Real Estate Financing (Immobilienfinanzierung)
Mortgage and property financing solutions connecting borrowers with investors.

### 4. Lending-as-a-Service
White-label lending infrastructure that enables third-party companies to offer credit products under their own brand, powered by Cashare's regulated platform.

### 5. Education Financing (Ausbildungsfinanzierung)
Embedded Lending solution for Swiss education providers — detailed below.

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## Education Financing (Ausbildungsfinanzierung) — Detailed

### What It Is

Education Financing by Cashare is an Embedded Lending solution (also known as Embedded Finance or Lending-as-a-Service) specifically designed for Swiss education providers. It allows schools, universities, and training centers to offer tuition financing directly within their enrollment and advisory process, under their own brand.

### The Problem It Solves

Many prospective students cannot afford full upfront tuition payments, especially for programs costing CHF 5,000 to CHF 45,000+. Education providers face three key challenges:
1. **Lost enrollments** — Students drop out during the registration process because they cannot afford to pay upfront.
2. **Administrative burden** — Managing individual payment plans requires significant internal resources.
3. **Default risk** — Self-managed installment plans create financial risk for the school.

### How It Works

1. The education provider integrates Cashare's financing option into their advisory or enrollment process.
2. Students apply for an installment loan (Ratenkredit) directly during enrollment.
3. Cashare performs a professional credit assessment within 24 hours.
4. Upon approval, Cashare pays 100% of the tuition fee directly to the education provider.
5. The student repays Cashare in fixed monthly installments over a period of up to 60 months.
6. Cashare handles all credit administration, contract management, payment processing, and collections (if necessary).

### Key Characteristics

| Feature | Detail |
|---|---|
| Product type | Consumer installment loan (Ratenkredit) |
| Legal framework | Swiss Consumer Credit Act (Konsumkreditgesetz, KKG) |
| Loan terms | Up to 60 months, freely selectable |
| Interest rates | 4.4%–9.9% standard; 0% models available for Custom tier |
| Early repayment | Free at any time, no penalties |
| Credit decision | Within 24 hours |
| Payment to school | 100% upfront, upon loan approval |
| Default risk for school | Zero — Cashare bears all credit risk |
| Administration for school | Zero — Cashare handles contracts, payments, collections, reminders |
| Branding | White-label; runs under the partner's brand name |
| Regulation | FINMA-supervised, KKG-compliant, PwC-audited |

### Integration Tiers

**Grow (Free Setup, Start in 24h)**
- Personalized landing page with referral link
- Plug & Play — no IT required
- Standard interest rates 4.4–9.9%
- Digital Starter Kit for marketing
- Email support
- Guarantee option available

**Scale (Setup: CHF 1,999 / CHF 259/mo.) — Recommended**
- 100% own branding (white-label)
- Financing calculator for students
- Guarantee option (from 4.9%)
- Sales coaching & content support

**Scale Plus (Setup: CHF 2,499 / CHF 299/mo.)**
- Everything from Scale
- Partner Portal access for advisors and staff
- Employee accounts (1 included, CHF 100 per additional)
- Advanced analytics and reporting
- Staff training & GwG compliance training

**Custom (Setup: from CHF 6,000 / CHF 499/mo.)**
- Everything from Scale Plus
- API integration into existing systems
- CRM connection
- Custom interest rates including 0% financing models
- Self-funding options
- Financing structuring
- Product design consultation

### Contract Structure

The credit agreement (Kreditvertrag) is between the student ("Darlehensnehmer" / borrower) and Cashare AG ("Darlehensgeber" / lender). The education provider has a separate partnership agreement with Cashare. The loan amount is disbursed directly to the education institution, not to the student.

### Track Record

Cashare has been offering education financing since 2021. The most prominent partner is the Bénédict Schools, one of Switzerland's largest private education networks, which uses Cashare's solution under the white-label brand "BeneFinance." The solution has been fully integrated into their advisory process since 2021, covering course fees ranging from CHF 7,900 to CHF 45,000+.

### Target Audience (B2B)

Education Financing is designed for Swiss education providers:

- **Private Universities** — Degree programs, executive education, MBA courses with substantial tuition fees.
- **Vocational Schools (Berufsschulen)** — Federal certifications, diploma programs requiring long-term commitment.
- **Business Schools** — Certificate programs, diplomas, professional development (CHF 5,000–30,000).
- **Healthcare Training** — Nursing, therapy, and medical certification programs.
- **Industry Associations (Branchenverbände)** — Sector-specific training programs.
- **Bootcamps & Intensive Programs** — Short intensive programs where financing removes the enrollment barrier.
- **Creative Schools** — Design, photography, arts programs.
- **Executive Education** — MBA, leadership training with premium pricing.

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## Frequently Asked Questions

### Who is Cashare?
Cashare AG was founded in January 2008 as a Swiss corporation. It is a pioneer in crowdlending and operates one of Switzerland's leading credit marketplaces. Core business areas: personal loans, SME loans, real estate financing, and Lending-as-a-Service. Audited annually by PricewaterhouseCoopers AG.

### Is Cashare regulated?
Yes. Cashare AG is a member of the FINMA-supervised SRO PolyReg as a financial intermediary under Swiss AML law. It also holds a consumer credit license from the Canton of Zug under the KKG.

### What type of financing does Education Financing include?
Installment loans with fixed monthly payments for students, fully subject to the Swiss Consumer Credit Act (KKG). Terms up to 60 months, free early repayment. Maximum protection against over-indebtedness through professional credit assessment.

### Who is the contract partner for students?
The credit agreement is between the student (borrower) and Cashare AG (lender). The tuition is paid directly to the education institution.

### Since when has Cashare been active in education financing?
Since 2021 specifically for education. Consumer credit expertise dates back to the company's founding in 2008.

### Are there existing partners in education?
Yes. Bénédict Schools use Cashare's solution under the brand "BeneFinance" since 2021. Multiple other schools and universities are partners.

### What IT requirements are needed?
None. Cashare provides a web-based Partner Portal. All technology, payment processing, contract management, and collections are handled by Cashare.

### Who bears the default risk?
Cashare AG bears 100% of the credit default risk. The education provider receives the full tuition immediately upon loan approval and has no liability if the student defaults. Cashare handles all payment reminders and collections.

### What does it cost for education providers?
Four tiers: Grow (free, CHF 0/mo.), Scale (CHF 1,999 setup, CHF 259/mo.), Scale Plus (CHF 2,499 setup, CHF 299/mo.), Custom (from CHF 6,000 setup, CHF 499/mo.). Students pay 4.4%–9.9% p.a. interest per KKG. 0% models available on Custom tier.

### Which education providers can use it?
All Swiss education providers: universities, vocational schools, business schools, continuing education institutes, language schools, healthcare training, industry associations, and bootcamps. Best suited for course fees of CHF 2,000–50,000+.

### How does Cashare differ from BNPL and factoring?
Unlike BNPL, Cashare offers KKG-compliant installment loans up to 60 months — not short-term payment deferrals. Unlike factoring, Cashare handles the full credit lifecycle (assessment, contract, disbursement, collections), not just receivables. The contract is between the student and Cashare — the school has no liability.

### How does the integration work?
Four levels: Grow (landing page, 24h), Scale (full branding + calculator), Scale Plus (Partner Portal + employee access + analytics), Custom (API + CRM + 0% financing).

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## Social Media

- LinkedIn: https://www.linkedin.com/company/cashare-ag
- Facebook: https://www.facebook.com/cashare/
- X (Twitter): https://x.com/cashare
- Instagram: https://www.instagram.com/cashare.ch/
- YouTube: https://www.youtube.com/channel/UCWrxNHyvrDKhdvMrpg9SjSQ

## Links

- Homepage: https://www.cashare.ch
- Education Financing: https://www.cashare.ch/educationfinancing/
- llms.txt: https://www.cashare.ch/llms.txt