What Milenia does

Milenia SA is a Swiss online personal credit brokerage platform headquartered in La Conversion (canton of Vaud), operating as part of the Credaris Group since the June 2022 merger of the French-Swiss and German-Swiss credit-brokerage market leaders. The company does not lend on its own balance sheet; instead it intermediates between individual borrowers and a network of 12+ partner Swiss financial institutions (including Cembra Money Bank, Bank-now, Migros Bank, Cornèr Banque, BCGE, bob Finance, Lendora, RCI Finance and others), with revenue earned as commission on successfully placed loans within the 0.4%–6.0% range permitted under Art. 35 of the Swiss Consumer Credit Act (LCD). Customers complete a fully digital application in approximately three minutes and receive an indicative offer within 24 hours, with same-day telephone advisory support.

The platform's core technology is a self-service digital lending workflow integrated in real time with the Swiss credit bureaus ZEK and CRIF for solvency verification, used to pre-assess applicants and route them to the most suitable lender, minimising rejections that would damage credit files. Beyond standard personal credit (CHF 5,000–400,000 at 4.75%–9.95% APR), the platform offers a menu of niche products addressing underserved segments — auto, motorcycle, real estate, education loans, cross-border (frontalier) credit, B-permit holders, self-employed (tax-assessed) borrowers, and AVS/AI pensioners — alongside debt consolidation, a data-cleansing partnership with Solvable SA, a co-branded Milenia/Certo Mastercard with Cembra Money Bank, and Helvetia Income Protect unemployment insurance distribution. Since inception Milenia has facilitated over CHF 630 million in financing across 24,328 fully repaid contracts, with 98% customer recommendation on Proven Expert and consecutive Great Place To Work certifications (including Best Workplace Switzerland in 2023). Distribution is digital-direct (six languages) supplemented by an intermediary partner portal (Espace Partenaire) feeding into the same lender network.

Name

Milenia

Legal name

Milenia SA

Website

https://milenia.ch

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Milenia SA is a Swiss online credit brokerage intermediating between individual borrowers and a network of 12+ partner banks, providing a fully digital personal-loan application (3 minutes, 24-hour response) across standard, cross-border, self-employed, and pensioner segments within the Credaris Group.

Ownership category

akta.pro rank

Headquarters

HQ city

Lutry

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Brokerage Commission: Milenia charges no fees to customers. Revenue is generated through commissions paid by the financial institutions (personal loan providers) to whom loan applications are submitted. Commission is currently set between 0.4% and 6.0% of the loan amount, as specified in the terms of use compliant with Art. 35 of the Swiss Consumer Credit Act.
2. Unemployment Insurance Distribution: Milenia distributes unemployment and income protection insurance (Helvetia Income Protect) alongside its loan products, earning referral or distribution commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Milenia is a Swiss online credit broker that helps individual consumers compare and obtain personal loans from a network of 12+ partner banks and financial institutions. Its platform enables free credit comparisons, real-time eligibility checks via ZEK and CRIF integration, and tailored loan products for specific borrower profiles (self-employed, cross-border workers, pensioners). It also distributes the Certo Mastercard and Helvetia Income Protect insurance, and sells data-cleansing services (ZEKA Vista) to its partner institutions.

Product overview

Milenia is a Swiss online personal loan brokerage platform operating as part of the Credaris Group. The core product is a loan brokerage service that connects applicants with partnered Swiss banks and financial institutions to provide personal loans ranging from CHF 5,000 to 400,000. The offering includes a 100% digital loan application process, specialized loan products for specific needs (auto, motorcycle, home, education, cross-border workers, self-employed, pensioners), a free Milenia Mastercard (Certo) via Cembra Money Bank partnership, debt consolidation (rachat de crédit), and unemployment insurance (Helvetia Income Protect). The company also offers data cleansing services through partner Solvable SA to help customers improve their credit scores. Milenia does not lend directly but acts as an intermediary, submitting applications to multiple credit providers including Cembra Money Bank, Bank-now, Migros Bank, Cornèr Banque, and others.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Loan (Crédit personnel) Online-brokered personal credit facility for Swiss residents and eligible borrowers, allowing free comparison of offers from 12+ partner banks, with amounts up to CHF 80,000 and APRs ranging from 4.75% to 9.95%.
• Loan Repurchase (Rachat de crédit) Debt consolidation service for individuals carrying multiple credit obligations, repaying existing creditors and restructuring residual balances into a single monthly payment with a partner lender.
• Car Loan Personal credit dedicated to vehicle financing, brokered through Milenia's partner bank network.
• Motorcycle Loan Personal credit dedicated to motorcycle and two-wheeler financing.
• Home Loan Personal credit dedicated to home improvement, renovation, and household projects.
• Cross-Border Worker Loan Personal credit tailored to cross-border commuters working in Switzerland, with documentation flows matched to lenders willing to underwrite non-resident borrowers.
• Self-Employed Loan Personal credit for self-employed workers, freelancers, and independent professionals, using alternative documentation such as financial statements and tax assessments.
• B Permit Holder Loan Personal credit tailored to foreign nationals holding a Swiss B residence permit, addressing documentation requirements specific to non-Swiss citizens.
• Education Loan Personal credit dedicated to financing education, training, and professional development expenses.
• AVS/AI Pensioner Loan Personal credit tailored to Swiss AVS/AI pensioners, underwritten against retirement benefit income.
• Certo Mastercard Credit card product distributed by Milenia through a co-branded partner program, available to Swiss consumers via certo-card.ch.
• Helvetia Income Protect Income protection insurance product distributed by Milenia through a partnership with Helvetia, available alongside its credit offerings.
• ZEKA Vista Data Cleansing Service B2B data-cleansing solution sold to partner banks and financial institutions to validate and clean borrower records prior to underwriting.

Quantifiable outcome

• 98% of clients recommend Milenia on Proven Expert
• +3 more outcomes

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Credaris Group (Credaris AG, Cashmoney Swiss SA, Crédits Conseils SA)coreStrategic or Co-development Partner · 23 June 2022Milenia SA merged with Credaris AG in 2022 to form the leading credit brokerage group in Switzerland. The Credaris Group now comprises Credaris AG (Zurich), Cashmoney Swiss SA (Zurich), Crédits Conseils SA (Versoix), and Milenia SA (La Conversion). This merger united Switzerland's two major credit platforms across German-speaking and French-speaking regions, consolidating the market leadership position.
• Solvable SAcoreImplementation/ SI/ Consulting PartnerSolvable SA is Milenia's specialist partner for data cleansing and debt rehabilitation services. When clients have negative entries in CRIF or ZEK registries (pursuits paid, past delays), Solvable SA helps clean and update their data to restore solvency. Available through both direct client requests and the partner portal.
• Resolve SAminorImplementation/ SI/ Consulting PartnerResolve SA is listed as a financial partner for debt resolution and data cleansing services, working alongside Milenia to help clients improve their creditworthiness.
• Bebroker SAminorChannel Partner/ Reseller/ DistributorBebroker SA is listed as a partner broker distributing Milenia's credit products through its own intermediary network.
• Helvetia Income Protect (Unemployment Insurance)coreStrategic or Co-development PartnerHelvetia Income Protect is the unemployment and income incapacity insurance offered by Milenia. It covers monthly payments of CHF 500 to CHF 1,200 for policyholders who lose their job or become unable to work due to accident or illness. Milenia distributes this insurance alongside its loan products, with premiums from CHF 55.30 per month.
• AtolominorStrategic or Co-development PartnerAtolo is described as a key reference partner with a communication-focused ethos. More than a service provider, Atolo is a partner referenced for its atypical approach and vision in collaboration with Milenia.
• Merulla (Insurance Agency)minorStrategic or Co-development PartnerMerulla is an insurance agency partner offering tailor-made insurance and tax consulting for both private individuals and businesses. Presented as one of Milenia's insurance partners.
• ReforestActionminorOthersReforestAction is an environmental partner with which Milenia collaborated on a tree-planting initiative, committing to environmental sustainability through reforestation projects.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Bonus.ch: Swiss comparison portal aggregating financial products including personal credit. Operates with a broader financial-services scope and significant Swiss consumer traffic, making it an indirect competitor for credit-lead generation.
• Comparis.ch: Switzerland's largest price-comparison platform covering credit, insurance, telecom and banking products. Includes personal-loan comparison functionality that overlaps with Milenia's brokerage proposition at a much larger consumer scale.
• Cembra Money Bank SA: Major Swiss consumer-finance bank and direct personal-loan issuer; both a key Milenia partner and a potential disintermediator as it expands direct digital channels and issues the Milenia-branded Certo Mastercard.
• bob Finance AG (PostFinance JV): Swiss consumer-credit provider jointly owned by PostFinance; Milenia partner that is also scaling direct digital onboarding in the same customer segment.
• Bank-now AG (UBS subsidiary): Swiss personal-loan provider owned by UBS; a Milenia partner that competes on the same end-borrower product with stronger balance-sheet financing and direct-to-consumer brand.
• Banque Cantonale de Genève (BCGE): Swiss cantonal bank and listed Milenia partner; offers personal-credit products directly and could disintermediate broker flow within its regional footprint.

Direct peers

• Credaris AG: Swiss credit brokerage platform serving German-speaking Switzerland; merged with Milenia in 2022 to form the Credaris Group. Operates the same loan-brokerage model with the same partner-bank network on a different linguistic market.
• Lendora SA: Swiss online personal-loan provider listed as a Milenia partner; competes directly in the digital personal-credit brokerage space in Switzerland with a similar instant-quote and partner-bank distribution model.
• Cashmoney Swiss SA: Swiss online credit broker and sister entity within the Credaris Group. Offers the same personal-loan brokerage proposition with overlapping partner-bank panel and commission-based revenue model.

Emerging players

• Yuh (Swissquote/Sygnum): Swiss mobile neobank launched by Swissquote and Sygnum; expanding into personal lending and payments, representing a digital-native competitor that could erode traditional broker-banked credit funnels over time.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks2 records

Key highlights7 records

Customer concentration

• Xx.com/Milenia_finance
• LinkedInlinkedin.com/company/milenia

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

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 Milenia