What Swisspeers does

Swisspeers AG is a Swiss fintech that operates a digital Peer-to-Business (P2B) lending marketplace, founded circa 2015 and headquartered in Winterthur, Switzerland. The platform connects Swiss small and medium-sized enterprises (SMEs) seeking business credit with private and institutional investors seeking yield in Swiss francs, with a target investor return band of 3-8% p.a. Since inception, more than 300 SME loans have been financed across 28 industries, with minimum loan tickets of CHF 50,000 for borrowers and minimum investments of CHF 1,000 for investors. The company is privately held by founder Alwin Meyer (with co-founders Stefan Nägeli as CTO and Andreas Hug) and operates as a member of SRO VQF, the Swiss financial services self-regulatory organization.

The marketplace is built around an auction-based credit allocation mechanism where investors bid on loan projects by specifying amount and interest rate, and a single winning rate applies to the entire loan. Loans can optionally be administered on the Ethereum blockchain via smart contracts, with tokenized loan tranches (1 token = CHF 1 of principal) that trade on an integrated secondary market. Core products include Firmenkredit (business credit), Investitionskredit (amortizing investment credit synchronized with asset depreciation), Firmenkauf (acquisition financing), and Nachrangige Hypothek (subordinate mortgage up to 80% LTV), with Firmenleasing (commercial equipment leasing from CHF 5,000) provided through a third-party partner and Digitales Aktienbuch (digital share register) offered as an add-on module.

The revenue model relies on penalty and collection fees on defaulted loans (late payment fees, dunning fees, default interest up to 10% p.a.), one-time arrangement fees plus monthly monitoring fees charged to borrowers, and monthly monitoring fees charged to investors. Leasing processing fees (1% of purchase price under CHF 50,000, 0.5% above, with a CHF 120 minimum) are collected on third-party-originated equipment leases. The company does not disclose revenue or take rate, has only one funding round (an undisclosed 2017 raise), and competes against traditional Swiss bank lending channels as well as other Swiss fintech lenders, having earned the 2026 Wealth Office Conference Innovation Award and 2nd place in Capital Preservation in a direct comparison with 22 Swiss banks and asset managers.

Name

Swisspeers

Legal name

swisspeers AG

Website

https://swisspeers.ch

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Swisspeers is a Swiss digital P2B lending marketplace founded in 2015 that connects Swiss SMEs seeking credit from CHF 50,000 with private and institutional investors targeting 3-8% returns in CHF, using auction-based pricing and Ethereum blockchain tokenized loan tranches with a secondary market.

Ownership category

akta.pro rank

Product category

P2B Crowdlending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

akta.pro secondary industry

P2P Loan Syndication & Participation Platforms (FSAKAHAL)

Keywords

• P2B lending marketplace
• SME business credit
• Crowdlending platform
• Tokenized loan tranches
• Subordinate mortgage financing

Headquarters

HQ city

Winterthur

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Penalty and Collection Fees: Late payment fees and collection-related charges assessed to borrowers in default, including dunning fees and default interest up to 10% p.a.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Swisspeers operates a digital P2B credit marketplace that connects Swiss SMEs directly with private and institutional investors for crowdlending, bypassing traditional banks. Borrowers access business credit, investment credit, subordinate mortgages, and business acquisition financing starting at CHF 50,000, while investors earn 3-8% p.a. target returns by bidding in online auctions for tokenized loan tranches starting at CHF 1,000. The platform also provides a secondary market for trading existing loan tranches and a digital shareholder register tool.

Product overview

Swisspeers operates a digital credit marketplace (Marktplatz) that connects Swiss SMEs with private and institutional investors for direct lending without traditional bank intermediaries. The platform offers business credit (Firmenkredit), investment credit (Investitionskredit), business acquisition financing (Firmenkauf), and subordinate mortgages (Nachrangige Hypothek) as core lending products, alongside a secondary market for trading existing loans. The portfolio also includes a digital share register tool (Digitales Aktienbuch) for shareholder administration and operates through a partner arrangement for commercial leasing (Firmenleasing). The platform targets Swiss SMEs with minimum requirements of CHF 50,000 financing and CHF 100,000 revenue with two years of financial statements.

Differentiator

Problem solved

Functional benefit

Products and services

• Firmenkredit (Business Credit) Amortizing business credit facility providing flexible financing for operating resources and investments, with loan duration synchronized to the depreciation period of financed assets; targeted at Swiss SMEs starting from CHF 50,000.
• Nachrangige Hypothek (Subordinate Mortgage) Junior mortgage product offering up to 80% loan-to-value financing for non-owner-occupied real estate as an alternative to traditional bank mortgages; targeted at Swiss property owners.
• Firmenkauf (Business Acquisition Financing) Financing solution for acquiring businesses, providing up to 80% of the purchase price to facilitate company succession and acquisition transactions; targeted at Swiss entrepreneurs and managers.
• Marktplatz (Digital Credit Marketplace) Digital P2B marketplace at app.swisspeers.ch connecting Swiss SMEs seeking financing with private and institutional investors via online auctions, generating Swiss franc returns.
• Sekundärmarkt (Secondary Market) Platform feature enabling investors to buy and sell existing loans for tranche-level liquidity and portfolio rebalancing.
• Firmenleasing (Commercial Leasing) Bank- and manufacturer-independent commercial leasing for investment goods including vehicles, construction equipment, production facilities, and practice fittings (new and used); provided via a third-party leasing partner from CHF 5,000 investment volume.
• Investitionskredit (Investment Credit) Amortizing investment credit that synchronizes loan duration with the operational depreciation period of financed assets, reducing interest burden by up to 50% compared to bullet loans; targeted at Swiss SMEs.
• Crowdlending Platform (P2B Marketplace Access) P2B crowdlending platform connecting Swiss SMEs seeking flexible financing from CHF 50,000 with investors earning 3-8% target returns in Swiss francs.
• Digitales Aktienbuch (Digital Share Register) Standalone digital tool for Swiss companies to manage shareholder administration, automate address maintenance, maintain complete transaction history, and streamline investor communication.

Quantifiable outcome

• Over 300 SME loans financed across 28 industries since platform inception
• +2 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• SRO VQFcoreOthersSwisspeers is a member of SRO VQF (Selbstregulierungsorganisation VQF), the Swiss financial industry self-regulatory organization. This membership indicates that swisspeers operates under a recognized Swiss regulatory compliance framework, demonstrating adherence to industry standards for financial intermediaries.
• Leasing PartnerminorOthersSwisspeers works with an independent leasing partner to provide equipment leasing products. The leasing contract is concluded directly between the customer and the leasing partner. Swisspeers acts as an introducer, enabling it to offer leasing from CHF 5,000 investment volume bank- and manufacturer-independently.
• Felix AttingerminorOthersFelix Attinger is identified as a credit specialist at swisspeers who assists customers in finding suitable financing solutions. He represents the human advisory element of the platform alongside its digital infrastructure.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC2J8H7T-qxjsjGpbd52YFLw
• Facebookfacebook.com/swisspeers.ch
• LinkedInlinkedin.com/company/swisspeers-ag
• Xx.com/swisspeers

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Swisspeers