Aktionariat Switzerlend AG Shares
LEND is a Swiss peer-to-peer (P2P) lending crowdfunding platform that completely excludes banks from the lending process and directly connects borrowers with private investors. On the platform, banks are excluded from the supply chain, and borrowers are connected directly with investors, resulting in lower interest rates for borrowers and higher returns for investors.LEND arranges loans between individuals in a simple, direct, and efficient manner. Its management fees are significantly lower than those of banks, and it passes these savings on to both borrowers and investors.LEND is financed entirely through fees and has no intention of offering high-interest loans.LEND was initially a registered financial intermediary and a service of Credit Suisse, the Zurich-based Swiss bank,AG intended to modernize the consumer lending market. Traditional banks dominate the Swiss consumer lending market, with an annual volume of CHF4 billion, while LEND positions itself as a fair, technology-driven alternative. In terms of loan types, the platform arranges personal loans and SME loans and mortgages, helping investors provide financing directly to borrowers and build diversified investment portfolios by spreading small amounts across multiple loans. For investors, users can invest in each project starting from CHF500 and build portfolios according to their willingness to take risks.LEND also offers a feature called “Robo,” which automatically builds a diversified investment portfolio based on criteria set by the investor and reinvests capital repayments. For borrowers, the entire process is fast, straightforward, and completed fully online, without the need to visit a bank branch.LEND assesses an individual credit score based on information provided by the borrower and third-party providers, and assigns each borrower to a risk category from A to D, with a corresponding interest-rate range. In short,LEND is a fintech platform bringing fair lending and investment democratization to Switzerland without relying on traditional banks.
Overview
LEND is a Swiss peer-to-peer (P2P) lending crowdfunding platform that completely excludes banks from the lending process and directly connects borrowers with private investors. On the platform, banks are excluded from the supply chain, and borrowers are connected directly with investors, resulting in lower interest rates for borrowers and higher returns for investors.LEND arranges loans between individuals in a simple, direct, and efficient manner. Its management fees are significantly lower than those of banks, and it passes these savings on to both borrowers and investors.LEND is financed entirely through fees and has no intention of offering high-interest loans.LEND was initially a registered financial intermediary and a service of Credit Suisse, the Zurich-based Swiss bank,AG intended to modernize the consumer lending market. Traditional banks dominate the Swiss consumer lending market, with an annual volume of CHF4 billion, while LEND positions itself as a fair, technology-driven alternative. In terms of loan types, the platform arranges personal loans and SME loans and mortgages, helping investors provide financing directly to borrowers and build diversified investment portfolios by spreading small amounts across multiple loans. For investors, users can invest in each project starting from CHF500 and build portfolios according to their willingness to take risks.LEND also offers a feature called “Robo,” which automatically builds a diversified investment portfolio based on criteria set by the investor and reinvests capital repayments. For borrowers, the entire process is fast, straightforward, and completed fully online, without the need to visit a bank branch.LEND assesses an individual credit score based on information provided by the borrower and third-party providers, and assigns each borrower to a risk category from A to D, with a corresponding interest-rate range. In short,LEND is a fintech platform bringing fair lending and investment democratization to Switzerland without relying on traditional banks.