Cashgate
Cashgate is a Swiss online consumer lending brand of Cembra Money Bank AG, offering personal, auto, construction, and continuing education loans to Swiss residents across all three language regions.
- Company typePrivate
- Founded2005
- HeadquartersOerlikon, Switzerland
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Cashgate does
Cashgate is a Swiss online consumer lending brand and a wholly-owned subsidiary of Cembra Money Bank AG, headquartered in Zurich. Founded in 2005 by five cantonal banks (GKB, SKB, TKB, ZKB, and Valiant) and operated within the Aduno Group from 2008 to 2019, the company was acquired by Cembra Money Bank AG in 2019 and now operates as a brand with Cembra acting as the creditor for all loan products. Its product portfolio comprises four core consumer loan categories — general personal loans, auto loans, construction/renovation loans, and continuing education loans — supplemented by a credit refinancing service (Kreditablösung). Loans range from CHF 1,000 to CHF 250,000 with terms of 12–84 months and effective annual interest rates from 3.9% to 9.9%, tiered by borrower income (CHF 4,500 threshold), property ownership, and residence permit type. A vehicle leasing product was offered historically but discontinued as of January 1, 2020, with leasing inquiries redirected to the parent.
The company operates a direct-to-consumer digital lending platform accessed at loan.cashgate.ch, where applicants calculate loan amounts, submit applications, upload documents, and track application status, with funds disbursed after the mandatory 14-day Swiss statutory revocation period. Revenue is generated through interest income on the loan book, with pricing personalized by credit profile rather than product-level subscription fees. Distribution is hybrid: direct online application plus a partner network including Raiffeisen banks, most cantonal banks, selected regional banks, exclusive sector partners, and digital platform operators for embedded financing. The brand serves all three Swiss language regions (German, French, Italian) and is restricted exclusively to Swiss residents per regulatory disclosures. Compliance is anchored in Article 3 UWG (prohibition of lending that leads to over-indebtedness), with formal cooperation with industry associations VSKF and Konsumfinanzierung Schweiz.
Cashgate firmographics
Firmographics- Name
- Cashgate
- Legal name
- Cembra Money Bank AG
- Website
- https://cashgate.ch
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cashgate is a Swiss online consumer lending brand of Cembra Money Bank AG, offering personal, auto, construction, and continuing education loans to Swiss residents across all three language regions.
- Ownership category
- akta.pro rank
Cashgate industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Personal Loan Refinance (Rate/Term) (FSAKAIAB)
- akta.pro secondary industries
- Balance Transfer & Credit Card Refinance Loans (FSAKAIAA), Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
Keywords
Where Cashgate is headquartered
LocationHeadquarters
- HQ city
- Oerlikon
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
Cashgate business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Personal and Consumer Lending: Cashgate generates revenue through interest charged on personal loans, auto loans, construction loans, and continuing education loans. The interest rates vary based on borrower profile (income level, property ownership) and loan term, ranging from 3.9% to 9.9% effective annual interest rate.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Homeowners with income ≥ CHF 4,500 - Best rates |
| Subscription | Monthly | Non-property owners with income ≥ CHF 4,500 - Medium rates |
| Subscription | Monthly | Lower income applicants < CHF 4,500 - Higher rates |
| Subscription | Monthly | Auto Loan |
| Subscription | Monthly | Construction/Renovation Loan |
| Subscription | Monthly | Continuing Education Loan |
| Subscription | Monthly | Optional Installment Protection Insurance |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Cashgate product offering
Product offeringCore offering
Cashgate is a Swiss online consumer lending brand offering personal loans, auto loans, construction/renovation loans, and continuing education loans to Swiss residents, with amounts typically ranging from CHF 1,000 to CHF 250,000 and terms of 12–84 months. Customers apply through the loan.cashgate.ch portal, where documents are uploaded, identity and creditworthiness verified, contracts signed, and funds disbursed after the 14-day statutory revocation period. The brand also provides a free credit refinancing (Kreditablösung) service to consolidate more expensive existing debt.
Product overview
Cashgate is a brand of Cembra Money Bank AG offering a suite of consumer lending products. The core product portfolio consists of personal loans (Kredit), auto loans (Autokredit), construction/renovation loans (Baukredit), and continuing education loans (Weiterbildungskredit). Supporting services include credit refinancing (Kreditablösung). Leasing was previously offered but discontinued in 2020. All loans feature terms of 12-84 months with interest rates ranging from 3.9% to 9.9% depending on loan type and customer profile. The brand operates exclusively in Switzerland targeting private customers.
Differentiator
Problem solved
Functional benefit
Products and services
- Kredit (Personal Loan) General-purpose personal loan for Swiss residents, with effective annual interest rates from 3.9% to 9.9% depending on borrower profile and term, and loan terms between 12 and 84 months. Used for personal projects, debt consolidation, or other consumer needs.
- Autokredit (Auto Loan) Auto financing for new and used vehicles in Switzerland, with loan amounts from CHF 1,000 to CHF 250,000, terms of 12 to 84 months, no mileage limits, and no mandatory comprehensive insurance requirement.
- Baukredit (Construction Loan) Construction and renovation loan for Swiss property owners, with amounts between CHF 5,000 and CHF 80,000 and rates starting from 3.9%. No equity capital is required and the loan is not bound to a specific property.
- Weiterbildungskredit (Continuing Education Loan) Continuing education loan for employed Swiss individuals (excluding self-employed and full-time students), with amounts starting from CHF 1,000. Interest on this loan is deductible from Swiss taxes.
- Kreditablösung (Credit Refinancing) Free credit refinancing service that helps Swiss customers consolidate and replace more expensive existing loans with a single cashgate loan at more favorable terms.
Quantifiable outcome
- Fast disbursement after 14-day legal revocation period
Companies that use Cashgate
Customer profileSegments5 records
Ideal customer profiles5 records
Cashgate technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Cashgate partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered flagship, core and minor.
- Cembra Money Bank AGflagshipIn 2019, cashgate was sold to Cembra Money Bank AG, the market leader in Swiss consumer lending. Cashgate now operates as a brand of Cembra Money Bank AG, which acts as the lender. The acquisition was part of Aduno Group's strategic refocus on the credit card segment.
- Aduno GroupcoreCashgate joined the Aduno Group in 2008, following its founding in 2005. The group underwent strategic refocusing on its credit card business, leading to cashgate's sale to Cembra in 2019.
- Swiss Banks (Raiffeisen, Cantonal Banks, Regional Banks)coreCashgate partners with Swiss banks including Raiffeisen banks, most cantonal banks, and selected regional banks. These partners offer cashgate financing solutions to their customers, leveraging mutual trust and established banking relationships.
- Exclusive Distribution PartnersminorCashgate works with exclusive distribution partners from various sectors who offer cashgate financing solutions integrated into their sales processes.
Scale indicators2 records
Recent moves7 records
Expansion highlights4 records
Cashgate competitors and assessment
Company assessmentBroad incumbents
- PostFinance: Switzerland's leading retail bank for payment transactions, with a sizable consumer-lending book. Significant incumbent competitor in the Swiss personal-loan market, leveraging its national branch and digital reach.
- Raiffeisen Schweiz: Swiss cooperative bank group and a long-standing distribution partner of cashgate; competes directly for Swiss consumer-loan demand through its 200+ cooperative banks.
- Bank Cler: Swiss consumer and SME bank (formerly Bank Coop) offering personal loans and consumer credit across Switzerland. Comparable as a bank-led consumer credit provider targeting the same Swiss resident segment.
- Valiant Bank: Swiss regional bank and one of cashgate's five founding banks in 2005. Comparable as a mid-sized Swiss bank offering consumer loans across its regional footprint, with historical ties to cashgate.
- LendingClub: US online consumer-lending platform. Comparable as a digital-first personal-loan originator with a similar online application and credit-decisioning model, though operating in a different regulatory environment.
- Migros Bank: Swiss retail bank offering personal loans, mortgages, and consumer credit to its large membership base. Competes with cashgate on personal-loan demand from Swiss consumers, particularly via cross-sell to Migros retail customers.
Direct peers
- Cembra Money Bank AG: Parent company and direct operator of the cashgate brand; also runs competing consumer-lending brands in Switzerland. Directly comparable as the largest Swiss consumer-lender providing personal, auto, and education loans.
- bob Finance: Swiss online consumer-credit brand offering personal loans with similar digital-first distribution to cashgate. Direct competitor for the same Swiss resident borrower base with comparable loan sizes and terms.
Regional players
- Aduno Group: Former parent of cashgate (until 2019), now focused on credit-card and receivables management in Switzerland. Comparable as a Swiss consumer-finance operator with overlapping customer segments.
Emerging players
- Klarna: European BNPL and consumer-credit fintech offering installment lending at online checkout. Comparable as a digital-first lender competing for the same e-commerce-embedded consumer credit wallet.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Cashgate social profiles
Digital presenceCashgate financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cashgate leadership team
Management profileNumber of profiles
Cashgate funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cashgate 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 Cashgate
What does Cashgate do?
Cashgate is a Swiss online consumer lending brand offering personal loans, auto loans, construction/renovation loans, and continuing education loans to Swiss residents, with amounts typically ranging from CHF 1,000 to CHF 250,000 and terms of 12–84 months. Customers apply through the loan.cashgate.ch portal, where documents are uploaded, identity and creditworthiness verified, contracts signed, and funds disbursed after the 14-day statutory revocation period. The brand also provides a free credit refinancing (Kreditablösung) service to consolidate more expensive existing debt.
Is Cashgate a public or private company?
Cashgate is a private company. It is classified as corporate owned and is currently operating.
When was Cashgate founded?
Cashgate was founded in 2005. It employs 11 to 50 people.
Where is Cashgate based?
Cashgate is headquartered in Oerlikon, Switzerland, in the Europe region.
How does Cashgate make money?
One revenue line is on record: personal and Consumer Lending.
Who are Cashgate's main competitors?
Broad incumbents on record are PostFinance, Raiffeisen Schweiz, Bank Cler, Valiant Bank, LendingClub and Migros Bank. Direct peers are Cembra Money Bank AG and bob Finance. Aduno Group is listed as a regional player. Klarna is listed as an emerging player.
Does Cashgate have an API?
No public API is recorded for Cashgate.
What industry is Cashgate in?
Cashgate's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAIAB, Personal Loan Refinance (Rate/Term), with a secondary code of FSAKAIAA, Balance Transfer & Credit Card Refinance Loans. Its NAICS code is 5223 and its SIC code is 6141.