Invest your money on our primary market

Credit projects on our primary market

Type of creditRatingCollateralNominal interestMax. netto yieldDurationLoan amountAlready financedOpen priceTime left
All projects

Crowdlending: Make money meaningfully and get attractive returns

Do you want to diversify your portfolio and decide what risk you are willing to take? Take advantage of crowding and invest in personal and business loans on our primary market. The minimum investment is CHF 500 and you can choose freely which type of loan and rating class you want to invest your money.

With our primary market you can view our loans from personal and SME borrowers. You can buy Credit Project Shares (CPS) in a credit project. They are therefore willing to finance part of the loan. As soon as the loan is fully financed, you will receive an invitation to pay as an investor or, as the case may be, your share will be withdrawn directly by direct debiting. You will then receive your share in monthly repayments. For SME short term loan, you will receive a one-time repayment at the end of the term instead of the monthly repayments.

Your Benefits at CreditGate24

Rating

Each loan requested is subjected to a strict loan check, which determines the likelihood of a credit loss. The better the rating (AAA), the lower the risk, the higher the rating (C), the higher the risk of a failure. You can decide which rating level you would like to invest.

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Protection

The protection of our investors is central to us. In addition to the loan check, all loans are covered by Generali's death insurance up to a residual credit amount of CHF 100,000. In other words, the residual credit sum is not transferred to the heirs in the event of death, but is taken over by Generali. Should a loan default occur, our solidarity agreement will cover the losses that are spread over all investors in a loan category and rating stage and protect them from a total loss through diversification.

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Secondary Market

On the secondary market, investors can buy and sell shares in existing credit projects (CPS). Take advantage of the shorter duration of the purchased receivables. The transparency of the market and its flexibility and liquidity are particularly important.

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The calculation of the expected yield

You will receive your invested share in monthly repayments. These monthly contributions consist of an amortization portion and an interest portion. Unlike with bonds, the yield is calculated each month on the basis of the residual amount. In order to achieve the expected return in full, you must reinvest and maintain the portfolio as an investor.

Current and attractive investment opportunities

With the growing popularity to invest online in personal and business loans opened up a completely new asset class for private as well as institutional investors. The names range from crowdlending, peer-to-peer lending, or P2P lending to volume lending. Investors find attractive investment opportunities with interest rates between 3% and more than 7% despite the negative interest rate. Many of our investors are already investing in real estate, equities and bonds. By investing in loans, you can broaden your portfolio and at the same time increase the yield chances.

Crowdlending as an asset class has an average to high return expectancy, whereby you decide how much risk you are willing to commit. By investing in SME loans you support real projects of individuals and SMEs from Switzerland. As a result, Switzerland remains an attractive location for many companies.

Investing the easy way

Register online and open an investor account.

Use our primary and secondary market and invest in loans.

Once the loan has been fully financed, you will receive a payment notices, or your invested amount will be debited directly from your account using the direct debit procedure (LSV).

Get your return on investment in monthly installments or as a single payment.

3 tips for an Optimal Investing Strategy

  1. Diversify your portfolio properly
    We recommend that you invest your investments not only in various credit projects of a rating level and credit category, but also to distribute your shares into loans of different credit categories and rating levels. Invest in both private and commercial loans and use our rating levels and invest in credits of rating grade A or AA as well as in B or C.
  2. Reinvest your assets
    In order to ensure a constant interest rate on your money, it is advisable to reintroduce the repayments from existing loans on a regular basis.
  3. Invest in other investment opportunities
    See your investment in loans as a new and especially as a further investment opportunity. With each investment in another investment, you diversify your portfolio and reduce your risk.

What our investors say

«CreditGate24 offers me an uncomplicated investment opportunity. I consider the risk to be minimal and the yields to be very attractive. I look forward to tracking the monthly repayments.»

F. Herter

«By the way: I am very satisfied with Creditgate24 in every respect and hope that you continue this simple, structured, innovative and intelligent way. Congratulations to you and the whole team of Creditgate24.»

Anonym

«CreditGate24 has fulfilled my expectations as an uncomplicated, transparent and lucrative alternative to banks or securities investments»

F. Konermann

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What is CreditGate24?

Do you have any more questions?

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