LEND
LEND (Switzerlend AG) is a Swiss peer-to-peer marketplace lending platform founded in 2015 that connects Swiss individual borrowers, SMEs, and property owners directly with retail and institutional investors, offering personal, business, and mortgage loans at 4.30-9.96% APR.
- Company typePrivate
- Founded2015
- HeadquartersZürich, Switzerland
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What LEND does
LEND, operated by Switzerlend AG (CHE-456.445.646), is a Zürich-based Swiss peer-to-peer marketplace lending platform founded in 2015 that connects creditworthy borrowers directly with individual and institutional investors, bypassing traditional bank intermediation. The platform originates personal loans (CHF 10,000+, 12-84 months, 4.30-9.96% APR), SME and self-employed business loans (CHF 25,000+, 4.90-9.90%), and a suite of mortgage products including bridge financing, retirement mortgages, second mortgages, and mezzanine financing. Underwriting is driven by a proprietary multi-source credit scoring engine (LEND Score) ingesting ZEK, IKO, CRIF, Intrum, debt collection, and company financial data, producing verified portfolio default rates of 0.2-0.7% on unsecured personal loans and 0.9% portfolio-wide. To date the platform has facilitated CHF 586 million in cumulative disbursed loan volume, with monthly origination of CHF 8-12 million and 134,469 customers migrated from traditional banks.
The technology stack is delivered through a fully digital self-service web platform (lend.ch) available in German, French, and English, with a digital loan application, real-time interest rate forecast, automated document handling, and a unified dashboard for both borrowers and investors. Capital deployment options for investors include direct project investing (CHF 500 minimum), RoboInvest automated portfolio construction, and three structured vehicles: LEND Hypovest (ISIN CH1357099691, managed by Helveteq AG, 5.5-6.5% target gross yield, CHF 10,000 minimum), an AMC managed by ISP Group (CHF 50,000 minimum), and LEND-Fonds managed by 1741 Group. A 2025-launched AI chatbot, LendGPT, handles conversational support across credit and investing journeys.
LEND monetizes through a multi-stream fee model: borrower origination fees (approx. CHF 390 on a CHF 20,000 / 36-month personal loan, or 0.8-1.5% per year for business loans), a 1.00% annual investor management fee on active portfolio value, and management fees embedded in the structured investment products. Distribution is anchored by strategic shareholders TX Group (Swiss media), PostFinance (leading Swiss retail/SME bank), and Alpana Ventures (institutional investor flow), with operational partners including Helvetia (PPI insurance), CRIF and Intrum (credit data and collections), sealID (identity), and Run My Accounts (accounting). Switzerlend AG is regulated as an SRO Polyreg member and approved financial intermediary under the Swiss Anti-Money Laundering Act, allowing it to operate lending and intermediation activities without a Swiss banking license.
LEND firmographics
Firmographics- Name
- LEND
- Legal name
- Switzerlend AG
- Website
- https://lend.ch
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- LEND (Switzerlend AG) is a Swiss peer-to-peer marketplace lending platform founded in 2015 that connects Swiss individual borrowers, SMEs, and property owners directly with retail and institutional investors, offering personal, business, and mortgage loans at 4.30-9.96% APR.
- Ownership category
- akta.pro rank
LEND industry classification
Industry- Product category
- Peer-to-Peer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222), Real Estate Credit (522292)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- P2P Loan Syndication & Participation Platforms (FSAKAHAL)
- akta.pro secondary industries
- Private Credit / Direct Lending (FSAAAHAG), Middle-Market Lending (FSANADAI), CRE Loan Syndication & Participation (FSALADAK), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)
Keywords
Where LEND is headquartered
LocationHeadquarters
- HQ city
- Zürich
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
LEND business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Loan Origination Fees (Borrower Fees): LEND charges borrowers a one-time processing fee upon loan disbursement. For personal loans, the fee is approximately CHF 130 per year (Score A+, CHF 20,000 over 36 months example), equating to CHF 390 total. For business/SME loans, fees range from 0.8% to 1.5% per year depending on Risk Score. Fees are deducted at disbursement or invoiced separately.
- Investor Management Fees: Annual fee of 1.00% charged on investor portfolio value, deducted directly from loan repayment distributions. For example, CHF 1,000 invested over 36 months at 1% annual fee costs CHF 10 per year.
- Structured Product Management Fees: Fees embedded in structured investment products: LEND Hypovest (ISIN CH1357099691), AMC (Actively Managed Certificate via ISP Group), and LEND-Fonds (via 1741 Group). Target gross yield of 5.5-6.5% for Hypovest.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | Personal loan interest rate range (4.30% to 9.96% APR) |
| Usage-based | Monthly | Business/SME loan rate range (4.90% to 9.90%) |
| One time/ perpetual license | Pay-as-you-go | Borrower one-time processing fee |
| Subscription | Annual | Investor annual platform fee (1.00%) |
| Other | Other | LEND Hypovest Certificate (CHF 10,000 minimum) |
| Other | Other | AMC (Actively Managed Certificate) minimum CHF 50,000 |
| Transaction based/ take rate | Pay-as-you-go | Direct investment minimum (CHF 500 per project) |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels8 records
LEND product offering
Product offeringCore offering
LEND operates a Swiss peer-to-peer (crowdlending) marketplace that connects creditworthy borrowers directly with investors, eliminating traditional bank intermediation. The platform originates personal loans from CHF 10,000 (terms 12-84 months), SME/business loans from CHF 25,000, and mortgages (including bridge, retirement, second, and mezzanine financing), while enabling investors to fund individual credit projects from CHF 500 or access structured diversified products (LEND Hypovest, AMC, LEND-Fonds) managed by Helveteq AG, ISP Group, and 1741 Group respectively.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loan (Privatkredit) Personal loans for Swiss residents with permanent employment and good credit history, with amounts from CHF 10,000, terms 12-84 months, effective annual interest rates from 4.30% to 9.96% based on creditworthiness, transparent one-time processing fees, and free early repayment. Borrowers receive an interest rate forecast directly during the online application process.
- Business / SME Credit (Geschäftskredit) Flexible SME/business financing as an alternative to traditional bank loans for Swiss SMEs and self-employed individuals (Swiss/Liechtenstein registered, >CHF 150,000 revenue, 2+ years operating, positive EBITDA, no open debt collections). Annual interest rates from 4.90% to 9.90% with processing fees of 0.8%-1.5% per year depending on Risk Score.
- Mortgage (Hypothek) Real estate-secured mortgage solutions tailored to Swiss property owners' loan-to-value and affordability situations, including bridge financing (Überbrückungsfinanzierung), retirement mortgages (Altershypothek), second mortgages (Zweithypothek), mezzanine financing for property professionals, and general property financing (Immobilienfinanzierung).
- LEND Investing Platform (Anlegen) Peer-to-peer investment platform enabling investors to fund individual Swiss loan and mortgage projects from a minimum of CHF 500 per project, build diversified portfolios, or use the RoboInvest automated portfolio builder. Average gross interest return is 6.3% across the platform with a 0.9% annual default rate.
Quantifiable outcome
- Borrowers save CHF 5.3 million in unnecessary interest costs compared to traditional bank rates
- +5 more outcomes
Companies that use LEND
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
LEND technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability3 records
Feature5 records
LEND partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- Helvetia VersicherungencoreOfficial insurance partner providing Payment Protection Insurance (PPI) for personal loans. Protects borrowers against risks of involuntary job loss, disability, and death. Insurance reduces credit risk for investors and improves loan terms for borrowers.
- IntrumcoreLeading Swiss credit management solutions provider. Works with LEND in underwriting (creditworthiness assessment) and debt collection. Provides payment history data for credit scoring and manages collection efforts on defaulted loans.
- CRIF AGcoreLeading Swiss provider of credit risk management solutions. LEND accesses CRIF data to determine LEND Scores for credit projects. Provides payment behavior data on individuals and businesses to assess creditworthiness.
- Helveteq AGcoreSwiss partner managing the LEND Hypovest Certificate (ISIN CH1357099691), a structured investment product providing exposure to a diversified subordinated Swiss mortgage portfolio with a target yield of 5.5-6.5%.
- ISP GroupminorManages the AMC (Actively Managed Certificate), providing qualified and institutional investors with exposure to Swiss personal and business loans through a structured certificate.
- 1741 GroupminorManages the LEND-Fonds, a structured fund providing institutional and qualified investors with access to Swiss personal and commercial credit through a professionally managed investment vehicle.
- walderwyss rechtsanwälteminorLeading Swiss commercial law firm with over 200 lawyers and strong focus on fintech and startups. Advises LEND on all legal matters including regulatory compliance, contract law, and fintech-specific legal challenges since the company's inception.
- dafoonminorBerlin-based digital communications agency. Developed the design of LEND's platform and supports the brand presence, marketing campaigns, and digital analytics.
Scale indicators12 records
Recent moves6 records
Expansion highlights6 records
LEND competitors and assessment
Company assessmentDirect peers
- Mintos: European multi-country P2P marketplace lending platform aggregating loan originators and investors across geographies. Comparable investor-side diversification platform and marketplace matching model, though broader geographically than LEND's Swiss-only footprint.
- Cashare: Swiss P2P lending marketplace for consumer and SME loans. Direct competitor in Switzerland with overlapping borrower and investor segments, comparable fee model, and similar regulatory framework under SRO Polyreg.
- Younited Credit: European consumer and SME lending platform operating across France, Italy, Spain, Germany, Portugal, and the Netherlands. Comparable digital origination, credit scoring, and structured institutional funding model serving similar retail borrower segments as LEND.
- CreditGate24: Swiss direct competitor operating a similar peer-to-peer lending marketplace connecting borrowers with investors in Switzerland. Overlaps directly with LEND on personal loans, SME financing, and mortgage products within the same Swiss regulatory and competitive environment.
- Auxmoney: German consumer P2P lending marketplace connecting borrowers with retail investors. Comparable marketplace model with proprietary credit scoring, borrower-investor matching, and fee-based monetization, although operating in a different (German) market.
- Splendit: Swiss crowdlending platform focused on SME and consumer loans. Smaller Swiss competitor overlapping with LEND's core SME and personal loan segments under the same regulatory regime.
- Funding Circle: UK-founded marketplace lending platform focused on small business loans, with a publicly listed history. Comparable marketplace intermediation model, proprietary credit assessment, and institutional investor rails (note, securities/whole-loan structures differ from LEND's retail-led model).
Broad incumbents
- LendingClub: Largest US marketplace lending platform, now operating as a digital bank. Comparable peer-to-peer matching of borrowers and investors with proprietary credit grading, but vastly larger scale and broader product suite than LEND's Swiss-focused offering.
- Zopa: UK P2P pioneer now operating as a digital bank. Comparable marketplace consumer lending roots, proprietary credit decisioning, and transition to structured investor/institutional funding models, although operating at substantially larger scale and broader product scope.
Regional players
- Hypothekarbank Lenzburg: Swiss regional bank offering digital lending and FinTech-style banking services. Comparable Swiss mortgage and SME lending focus, but operating from a regulated banking license rather than a marketplace intermediation model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
LEND social profiles
Digital presenceLEND compliance and trust
Trust signalCompliance1 record
LEND financial estimates
Financial estimateRevenue estimate
Valuation estimate
LEND leadership team
Management profileNumber of profiles
Profiles14 records
LEND funding detail
Funding detailFunding overview
Funding rounds4 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LEND M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about LEND
What does LEND do?
LEND operates a Swiss peer-to-peer (crowdlending) marketplace that connects creditworthy borrowers directly with investors, eliminating traditional bank intermediation. The platform originates personal loans from CHF 10,000 (terms 12-84 months), SME/business loans from CHF 25,000, and mortgages (including bridge, retirement, second, and mezzanine financing), while enabling investors to fund individual credit projects from CHF 500 or access structured diversified products (LEND Hypovest, AMC, LEND-Fonds) managed by Helveteq AG, ISP Group, and 1741 Group respectively.
Is LEND a public or private company?
LEND is a private company. It is classified as venture growth investor backed and is currently operating.
When was LEND founded?
LEND was founded in 2015. It employs 11 to 50 people.
Where is LEND based?
LEND is headquartered in Zürich, Switzerland, in the Europe region.
How does LEND make money?
Three revenue lines are on record. Loan Origination Fees (Borrower Fees) is the primary driver. The others are investor Management Fees and structured Product Management Fees.
Who are LEND's main competitors?
Direct peers on record are Mintos, Cashare, Younited Credit, CreditGate24, Auxmoney, Splendit and Funding Circle. Broad incumbents are LendingClub and Zopa. Hypothekarbank Lenzburg is listed as a regional player.
Does LEND have an API?
No public API is recorded for LEND.
What industry is LEND in?
LEND's product category is Peer-to-Peer Lending. Its primary akta.pro industry code is FSAKAHAL, P2P Loan Syndication & Participation Platforms, with a secondary code of FSAAAHAG, Private Credit / Direct Lending. Its NAICS code is 52231 and its SIC code is 6163.