Credaris

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.

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

Product category

Credit Brokerage / Consumer Lending Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSAEAEAM

Personal Loan & Unsecured Credit Intermediation

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

SECONDARYFSAKAIAA

Balance Transfer & Credit Card Refinance Loans

Financial & Insurance/Lending & Consumer Finance/Debt Consolidation & Refinancing

Keywords

• Credit brokerage services
• Consumer lending
• Personal loans
• Loan comparison platform
• Credit intermediation

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core 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

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• CC Crédits Conseils SAcoreStrategic or Co-development Partner · 5 May 2023Credaris 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 SAcoreStrategic or Co-development Partner · 23 June 2022Milenia 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)coreStrategic or Co-development Partner · 23 June 2022Akman 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 SAcoreChannel Partner/ Reseller/ DistributorOne of the partner lenders in Credaris's network. Credaris submits credit applications to Cembra Money Bank and receives commission on successful transactions.
• Bank-now SAcoreChannel Partner/ Reseller/ DistributorPartner lender in Credaris's network. Bank-now is a subsidiary focused on consumer credit.
• Banque Migros SAcoreChannel Partner/ Reseller/ DistributorPartner lender in Credaris's network. Migros Bank is one of Switzerland's largest banks and a key partner for credit offerings.
• Cornèr Banque SAcoreChannel Partner/ Reseller/ DistributorPartner lender in Credaris's network, providing credit products through the intermediation platform.
• bob Finance AGcoreChannel Partner/ Reseller/ DistributorPartner lender specializing in consumer credit, integrated into Credaris's lending network.
• Lendora SAcoreChannel Partner/ Reseller/ DistributorPartner lender in Credaris's credit intermediation network.
• Banque Cantonale de Genève BCGEcoreChannel Partner/ Reseller/ DistributorPartner lender, a cantonal bank serving the Geneva region and integrated into Credaris's network.
• Mobilize Financial Service (RCI Finance SA)coreChannel Partner/ Reseller/ DistributorPartner lender in Credaris's network, specializing in automotive financing solutions.
• AXA AssurancesminorStrategic or Co-development PartnerAXA 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

Broad 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

• Xx.com/credaris
• LinkedInlinkedin.com/company/credaris.ch

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries4 records

Funding overview

Funding rounds

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 Credaris