Lend

The firm operates a peer-to-peer lending platform that directly connects private and institutional investors with borrowers, who can be either private individuals or small and medium-sized enterprises (SMEs) in Switzerland. This model aims to reduce the significant margins typically captured by banks in the Swiss consumer loan market, which is estimated to have a yearly volume of around CHF 4 billion. Lend.ch generates revenue through a transparent, fee-based structure. Investors are charged an annual fee of 1% on their investment, while borrowers pay a one-time, score-based fee that is deducted from the loan amount upon successful financing.

The platform facilitates a variety of credit products, including personal loans, business loans, and mortgages. For individuals, offerings range from refinancing existing credit card debt and loans to financing for cars, education, or home furnishings. Businesses can seek funding for liquidity, bridge financing, or property financing. A key component of the service is its proprietary risk assessment model, the LEND Score, which evaluates each borrower's creditworthiness using data from recognized credit agencies. This scoring system, ranging from A+ (very low risk) to D1, allows investors to build a diversified portfolio that aligns with their risk appetite. The platform has become a significant player in the Swiss market, attracting a diverse investor base that has grown from mainly retail investors to include family offices, pension funds, and specialized investment funds.