

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.
Every loan application is checked by our team. The loan risk of each applicant is determined and assigned using the rating system. In addition to the creditworthiness of the borrower, the general conditions are also looked at. It is followed by a detailed analysis of the borrower in order to find out whether the borrower is able to handle the credit on a timely basis. The individual rating levels represent the credit risk of the respective customer. The better the rating, the higher the likelihood that the borrower will pay the loan timely and fully. The worse the rating, the higher the likelihood that the loan will default. See our rating levels to see what your expected return is.
CreditGate24 performs a careful credit check on every credit request. Each loan is allocated to a rating level depending on the creditworthiness and default probability. The rating level determines the interest rate.
Crowdlending has created a new asset class for private and institutional investors. Investors can use the rating levels to decide how much risk they want to take. The higher the risk, the higher the return. However, the level of risk is different for investors. In order to minimize the risk of default and at the same time to obtain an attractive return, the diversification of one's own portfolio must not be underestimated.
The aim of the diversification is to reduce the risk with a constant expected return, or to increase the return if the risk remains the same.
* The fee is payable with every repayment (amortization and interest) and deducted automatically. For a four-year term, the 0.25% p.a.
We are the leading online Swiss financing platform, providing loans to individuals and SMEs. Modern technology allows us to make the loan process simple and efficient. We bring borrowers directly with private and institutional investors. In doing so, we take over the credit check, monitor the transcripts and provide support for borrowers and investors. As a financing alternative, borrowers benefit from favorable interest rates and investors from attractive returns.
Our team is there for you personally! You can reach us 24 hours a day, 7 days a week.