# Cashare AG

> Cashare is Switzerland's leading peer-to-peer lending platform, founded in 2008. We connect borrowers directly with private and institutional investors. Our core product for the education sector is **Education Financing** (Ausbildungsfinanzierung) — an Embedded Lending solution for Swiss education providers.

## Company

- **Name:** Cashare AG
- **Founded:** January 2008
- **Registration:** CHE-114.036.826 (Swiss Commercial Register)
- **Headquarters:** Bösch 73, 6331 Hünenberg, Switzerland
- **Regulation:** FINMA-supervised via SRO PolyReg; Consumer credit license (Canton of Zug, KKG)
- **Auditor:** PricewaterhouseCoopers AG
- **Website:** https://www.cashare.ch

## Products

- Personal Loans (Privatkredite)
- SME Loans (KMU-Kredite)
- Real Estate Financing (Immobilienfinanzierung)
- Lending-as-a-Service
- **Education Financing (Ausbildungsfinanzierung)**

## Education Financing — Overview

Cashare's Education Financing is a white-label Embedded Lending solution designed for Swiss education providers (universities, vocational schools, business schools, healthcare training). Education providers integrate Cashare's financing directly into their enrollment process, allowing students to pay tuition in monthly installments while the school receives 100% upfront payment.

### Key Facts

- Active in education financing since 2021
- Consumer credit expertise since 2008
- Fully compliant with Swiss Consumer Credit Act (KKG)
- Loan terms up to 60 months, free early repayment
- Interest rates from 4.4% to 9.9% (standard), 0% models available for partners
- Credit decision within 24 hours
- Zero default risk for education providers
- 100% upfront payment to schools
- White-label: runs under the partner's own brand
- Notable partner: Bénédict Schools ("BeneFinance")

### Integration Levels

1. **Grow** — Personalized landing page with referral link. Setup: Free. CHF 0/mo. Start in 24h.
2. **Scale** — Full branding, financing calculator, guarantee option, sales coaching. Setup: CHF 1,999. CHF 259/mo.
3. **Scale Plus** — Everything from Scale plus Partner Portal, employee accounts, advanced analytics, staff training. Setup: CHF 2,499. CHF 299/mo.
4. **Custom** — API integration, CRM connection, 0% financing models, product design. Setup: from CHF 6,000. CHF 499/mo.

### Target Audience (B2B)

- Private universities (degree programs, MBA, executive education)
- Vocational schools (federal certifications, diploma programs)
- Business schools (certificate programs CHF 5,000–30,000)
- Healthcare training (nursing, therapy, medical certifications)
- Industry associations (sector-specific training programs)

## Contact

- **Education Financing inquiries:** https://www.cashare.ch/educationfinancing/
- **General website:** https://www.cashare.ch
- **LinkedIn:** https://www.linkedin.com/company/cashare-ag

## Detailed Information

For comprehensive details, see: /llms-full.txt