Credaris
Credaris AG is the largest independent credit broker in Switzerland, intermediating personal, consumer, auto, and refinancing loans between Swiss borrowers and a network of major lenders, and earning lender commissions on transactions completed.
- Company typePrivate
- Founded2014
- HeadquartersZürich, Switzerland
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Credaris does
Credaris AG is a Zurich-based, independent credit broker operating in Switzerland, founded in February 2014 as a sister company of Comparis AG and spun out via a management buyout (supported by Brera Partners) that closed on March 1, 2022. The company connects Swiss private borrowers seeking personal, consumer, auto, small, and refinancing loans with a network of more than ten partner lenders, including Cembra Money Bank, Bank-now, Banque Migros, Cornèr Banque, bob finance, Lendora, BCGE, Mobilize Financial Service, MF Group, and Switzerlend. By aggregating the entire major Swiss lender market and applying advisor-led pre-screening before submission, Credaris reports an approval rate above 80%, materially higher than the ~50% rate for direct applications, and processes approximately one in every six personal loans in Switzerland, with cumulative brokered volume of CHF 3 billion.
The core offering is a web-based credit intermediation platform with multilingual support (German, French, Italian, English), supplemented by phone/email advisory, a customer portal (MyCredaris), and value-added services such as creditworthiness assessment, refinancing, and credit-protection insurance offered in partnership with AXA Assurances. Credaris earns commissions from lenders of 0.4% to 6.0% of the funded credit amount on each successful transaction; by Swiss law (Art. 35 Consumer Credit Act) the service is free for borrowers. Following the MBO, the group expanded via the June 2022 merger with Milenia SA and Akman Finance, and the May 2023 acquisition of Romandie-based CC Crédits Conseils SA and Tunis-based IODA Communications, growing the group to approximately 120 employees across six locations. The company holds cantonal authorization from the Canton of Zurich to act as a loan broker and is compliant with the Swiss Consumer Credit Act (LCC), Swiss Data Protection Act (LPD), and ZEK/IKO reporting requirements.
Credaris firmographics
Firmographics- Name
- Credaris
- Legal name
- Credaris AG
- Website
- https://credaris.ch
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Credaris AG is the largest independent credit broker in Switzerland, intermediating personal, consumer, auto, and refinancing loans between Swiss borrowers and a network of major lenders, and earning lender commissions on transactions completed.
- Ownership category
- akta.pro rank
Credaris industry classification
Industry- Product category
- Credit Brokerage / Consumer Lending Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
- akta.pro secondary industry
- Balance Transfer & Credit Card Refinance Loans (FSAKAIAA)
Keywords
Where Credaris is headquartered
LocationHeadquarters
- HQ city
- Zürich
- HQ country
- Switzerland
- HQ region
- Europe
Offices5 records
Markets served
Credaris business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Commission from Lenders: Credaris receives commission from private credit providers (lenders) when a financing request submitted by Credaris results in a credit agreement. The commission is currently around 0.4% to 6.0% of the credit amount. This compensation is included in the financing of Credaris's service and is compliant with Art. 35 of the Consumer Credit Act. The service is free for borrowers by law.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free credit intermediation service for borrowers |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Credaris product offering
Product offeringCore offering
Credaris operates as Switzerland's largest independent credit broker, intermediating personal loans between Swiss borrowers and a network of partner lenders including Cembra Money Bank, Bank-now, Migros Bank, Cornèr Bank, and others. The service is free for borrowers by law, with the company earning commission from lenders upon successful credit agreements. Core offerings include private loan brokering, consumer credit, auto loans, small loans, credit refinancing, credit insurance, and creditworthiness assessment, supported by a multilingual digital platform.
Product overview
Credaris operates as a credit intermediation platform connecting Swiss borrowers with a network of private loan providers. The core offering is private loan brokering services, complemented by consumer credit, auto loans, and small loans. The platform acts as an aggregator, working with all major Swiss credit providers to offer the widest loan portfolio in Switzerland. Additional services include credit refinancing (allowing borrowers to replace existing loans with adjusted terms), optional credit insurance (providing payment protection in case of unemployment, illness, or death), and creditworthiness assessment to prevent unnecessary ZEK entries. Customers access services through a multi-language website (German, French, Italian, English) and a customer portal for managing documents and applications. The company processes approximately one in six private loans in Switzerland and achieves an approval rate exceeding 80%.
Differentiator
Problem solved
Functional benefit
Products and services
- Private Loan Brokering (Privatkredit-Vermittlung) Independent credit brokerage service for private individuals in Switzerland, validating customer needs, assessing creditworthiness, advising on available loan offers, and submitting credit applications to selected lenders across the partner network. Free and non-binding for borrowers per Swiss Consumer Credit Act.
- Consumer Credit (Konsumkredit) Brokerage of consumer credit loans subject to the Swiss Consumer Credit Act, which covers most personal loans granted to private individuals in Switzerland. Includes strict credit capacity assessment, ZEK/IKO reporting, and compliance with statutory interest rate limits.
- Auto Loan (Autokredit) Credit brokerage service for vehicle financing, offered as an alternative to leasing. Auto loans remain the most common reason for loan applications in Switzerland.
- Small Loan (Kleinkredit/Petit crédit) Brokerage of smaller-amount loans typically used for unexpected expenses. Subject to Swiss Consumer Credit Act requirements for loans over CHF 500.
- Credit Refinancing (Rachat de crédit/Kredit ablösen) Service to replace an existing credit contract with a new one, often with adjusted terms such as interest rate or duration. Typically combines the remaining balance with an additional amount, allowing borrowers to increase loan amounts, reduce monthly payments, or consolidate multiple credits.
- Credit Insurance (Kredit-Versicherung/Assurance-crédit) Optional insurance product covering loan monthly payments in precisely defined situations such as accident, illness, involuntary unemployment, or death. Offered in partnership with AXA Assurances as an independent alternative to lender-specific insurance products.
- Creditworthiness Assessment (Bonitätsprüfung) Standalone initial evaluation of a customer's financial situation and creditworthiness before submitting a formal loan application, helping to avoid unnecessary negative ZEK entries and maximize approval probability.
Quantifiable outcome
- >80% approval rate vs ~50% for direct applications
- +2 more outcomes
Companies that use Credaris
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Credaris technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration16 records
Credaris partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- CC Crédits Conseils SAcoreCredaris acquired 100% of Crédits Conseils SA, a Romandie-based credit broker based in Versoix (Geneva) with 19 years of market experience. The founders Iohan Colarusso and David Jurgens continue in the business, with Colarusso leading operations. This acquisition strengthened Credaris's presence in French-speaking Switzerland.
- Milenia SAcoreMilenia SA, led by founder and CEO Jérémie Monney, merged with Credaris in June 2022 as part of the management buyout. Milenia continues to operate as an autonomous entity and Jérémie Monney joined the board of Credaris AG. The merger combined two leading Swiss credit intermediaries.
- Akman Finance (Cashmoney Swiss AG)coreAkman Finance, founded in 1998 and managed by Ilhan Akman since 2006, joined the Credaris group in 2022. The company operates offices in Zurich and Olten, contributing to the group's coverage of German-speaking Switzerland.
- Cembra Money Bank SAcoreOne of the partner lenders in Credaris's network. Credaris submits credit applications to Cembra Money Bank and receives commission on successful transactions.
- Bank-now SAcorePartner lender in Credaris's network. Bank-now is a subsidiary focused on consumer credit.
- Banque Migros SAcorePartner lender in Credaris's network. Migros Bank is one of Switzerland's largest banks and a key partner for credit offerings.
- Cornèr Banque SAcorePartner lender in Credaris's network, providing credit products through the intermediation platform.
- bob Finance AGcorePartner lender specializing in consumer credit, integrated into Credaris's lending network.
- Lendora SAcorePartner lender in Credaris's credit intermediation network.
- Banque Cantonale de Genève BCGEcorePartner lender, a cantonal bank serving the Geneva region and integrated into Credaris's network.
- Mobilize Financial Service (RCI Finance SA)corePartner lender in Credaris's network, specializing in automotive financing solutions.
- AXA AssurancesminorAXA is Credaris's partner for credit protection insurance, offering unemployment and illness coverage to borrowers. This is an alternative to lender-specific insurance products, providing customers with independent insurance options.
Scale indicators10 records
Recent moves7 records
Expansion highlights6 records
Credaris competitors and assessment
Company assessmentBroad incumbents
- Migros Bank: Major Swiss retail bank and a Credaris partner lender. Functions as both a distribution channel for Credaris-brokered loans and a direct competitor for the same Swiss consumer credit demand via its own retail banking franchise.
- Cembra Money Bank: One of Switzerland's largest consumer finance banks and a core Credaris partner lender. Comparable because it sits on the lender side of the same Swiss consumer credit flow that Credaris intermediates; vertical integration by Cembra is a key disintermediation risk for Credaris.
- Swiss Marketplace Group: Operator of leading Swiss comparison platforms (including Comparis, which spun out from the same corporate parent as Credaris). Comparable as a top-of-funnel traffic aggregator that shapes how Swiss consumers find credit and other financial products — a key upstream dependency for Credaris.
- Banque Cantonale de Genève (BCGE): Geneva-based cantonal bank and Credaris partner lender. Comparable as a regional Swiss bank offering consumer credit through Credaris intermediation while also serving borrowers directly through its own branches and digital channels.
Direct peers
- MoneyPark: Switzerland's largest independent mortgage broker. Like Credaris, it is an intermediation-only business monetized via lender commissions, and it addresses a closely adjacent Swiss consumer financing need (home loans vs. Credaris's personal/auto loans).
- Cashgate: Swiss consumer and SME credit intermediary offering personal loans, leasing, and factoring. Closely matches Credaris's product scope and target customer, and competes in the same digital intermediation channel.
- Comparis AG: Switzerland's leading price-comparison platform and Credaris's former parent company (until the 2022 MBO). Both operate digital marketplaces that route consumer financial demand to providers; Comparis covers a broader set of verticals (insurance, telecom, banking) while Credaris focuses exclusively on credit.
- bob Finance: Swiss consumer credit specialist and Credaris partner lender. Operates a similar digital-first customer acquisition model targeting Swiss personal loan borrowers, and competes for the same end customer as Credaris both directly and indirectly.
- Lendora: Swiss consumer credit provider and Credaris partner lender. Targets the same personal loan customer in Switzerland with comparable digital onboarding and product set, making it a directly comparable counterparty both as competitor and as distribution partner.
- Hypotheke.ch: Swiss online mortgage and credit broker offering comparison and intermediation services across multiple lenders. Directly comparable to Credaris in business model (commission-based intermediation, lender-agnostic, digital-first), with primary focus on mortgage rather than consumer credit.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Credaris social profiles
Digital presenceCredaris compliance and trust
Trust signalCompliance3 records
Credaris financial estimates
Financial estimateRevenue estimate
Valuation estimate
Credaris leadership team
Management profileNumber of profiles
Profiles4 records
Credaris subsidiaries and ownership
Company hierarchySubsidiaries4 records
Credaris funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Credaris M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Credaris
What does Credaris do?
Credaris operates as Switzerland's largest independent credit broker, intermediating personal loans between Swiss borrowers and a network of partner lenders including Cembra Money Bank, Bank-now, Migros Bank, Cornèr Bank, and others. The service is free for borrowers by law, with the company earning commission from lenders upon successful credit agreements. Core offerings include private loan brokering, consumer credit, auto loans, small loans, credit refinancing, credit insurance, and creditworthiness assessment, supported by a multilingual digital platform.
Is Credaris a public or private company?
Credaris is a private company. It is classified as management employee owned and is currently operating.
When was Credaris founded?
Credaris was founded in 2014. It employs 51 to 100 people.
Where is Credaris based?
Credaris is headquartered in Zürich, Switzerland, in the Europe region.
How does Credaris make money?
One revenue line is on record: commission from Lenders.
Who are Credaris's main competitors?
Broad incumbents on record are Migros Bank, Cembra Money Bank, Swiss Marketplace Group and Banque Cantonale de Genève (BCGE). Direct peers are MoneyPark, Cashgate, Comparis AG, bob Finance, Lendora and Hypotheke.ch.
Does Credaris have an API?
No public API is recorded for Credaris.
What industry is Credaris in?
Credaris's product category is Credit Brokerage / Consumer Lending Services. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation, with a secondary code of FSAKAIAA, Balance Transfer & Credit Card Refinance Loans. Its NAICS code is 522310 and its SIC code is 6163.