MultiCredit
Multicredit is a Swiss consumer credit brokerage founded in 1999 that intermediates personal loans, refinancing, vehicle financing, and SME credit between Swiss borrowers and a panel of partner banks (Cembra, Bank-now, CG24, PrestaFlex), earning brokerage commissions.
- Company typePrivate
- Founded1999
- HeadquartersFribourg, Switzerland
- Headcount1–10
- GTM typeB2C
- OfferingServices
What MultiCredit does
Multicredit (legal entity: Cashflex MultiCredit GmbH/Sàrl) is a Swiss consumer credit brokerage founded in 1999 by Müñür ASLAN and headquartered in Cham (Canton of Zug) with an additional office in Fribourg. The company acts as an intermediary between individual and SME borrowers in Switzerland and a network of partner financial institutions — primarily Cembra Money Bank SA, Bank-now SA, CG24, and PrestaFlex Service — receiving brokerage commissions on successfully funded loans rather than charging direct fees to customers. Its product portfolio spans personal loans (CHF 3,000–400,000, 12–84 months), loan refinancing variants (credit buyback, lease refinancing, credit card balance buyout, debt consolidation), specialty loans (renovation, medical, study, self-employed), vehicle financing (car, boat, motorcycle, electric bike), a Multicredit-branded credit card, and SME financing of CHF 100,000–5 million via PrestaFlex. It also sells a CHF 250 credit-rating diagnostic service and operates affiliate and business-contributor referral programs.
The underlying technology stack combines a multilingual (8-language) online application and credit calculator, customer-facing tools (budget planning, score check), automated creditworthiness assessment using AI systems including language models (LLMs), and direct integrations with the Swiss credit information infrastructure (ZEK, IKO, CRIF AG). All data is hosted within the EU or Switzerland per GDPR and Swiss nLPD requirements, and the company holds a cantonal consumer credit brokerage authorization registered in the Canton of Zug since 2007 (UID CHE-113.592.711).
Commercially, Multicredit runs a sales-led, multi-channel GTM: self-serve online applications, inside sales via phone/video, field consultations by appointment at two offices, WhatsApp Business, and indirect channels through affiliate and partner referral programs. End customers are broad — Swiss salaried employees, foreign permit holders, cross-border workers, self-employed, pensioners (AVS/AI up to age 68), SMEs, and vehicle buyers — and the company has processed over 150,000 credit requests and approximately CHF 500–800 million in cumulative loan volume since inception, supported by ~8–10 employees. The business is founder-owned, privately held, and operates exclusively within Switzerland without external equity capital.
MultiCredit firmographics
Firmographics- Name
- MultiCredit
- Legal name
- Cashflex MultiCredit GmbH
- Website
- https://multicredit.ch
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Multicredit is a Swiss consumer credit brokerage founded in 1999 that intermediates personal loans, refinancing, vehicle financing, and SME credit between Swiss borrowers and a panel of partner banks (Cembra, Bank-now, CG24, PrestaFlex), earning brokerage commissions.
- Ownership category
- akta.pro rank
MultiCredit industry classification
Industry- Product category
- Consumer Credit Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Other Activities Related to Credit Intermediation (52239), Consumer Lending (522291)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
- akta.pro secondary industries
- Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)
Keywords
Where MultiCredit is headquartered
LocationHeadquarters
- HQ city
- Fribourg
- HQ country
- Switzerland
- HQ region
- Europe
Offices2 records
Markets served
MultiCredit business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Others
Revenue model
- Consumer Credit Brokerage: MultiCredit acts as a credit intermediary/broker, earning commissions from financial institutions (Cembra Money Bank SA, Bank-now SA, CG24, and other partner banks) for successful credit applications. The company receives applications, analyzes them, and forwards them to partner financial institutions for consideration. Revenue is generated through brokerage fees paid by lending institutions rather than direct fees from customers.
- Affiliate and Partner Referral Fees: The company operates affiliate and partner programs where business contributors (brokers, business lawyers, financial intermediaries, bank advisors, real estate agents) and merchants/business contributors earn acquisition fees or commissions for each successful deal referred to MultiCredit. MultiCredit pays commissions to affiliates based on volume.
- Credit Rating Diagnostic Services: Fee-based financial diagnosis and credit scoring/rating services. A flat rate of CHF 250 per person (approximately 2 hours of work) is charged for services including ordering ZEK/IKO/CRIF extracts, financial budget preparation, and advisory on negative codes and lawsuits. This service is distinct from the free credit application processing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Consumer credit range: CHF 3,000 to 400,000 with repayment periods of 12 to 84 months |
| Other | Monthly | SME/business credit: CHF 100,000 to 5 million through partner PrestaFlex |
| Other | Pay-as-you-go | Revolving credit: Starting from CHF 200,000 |
| Transaction based/ take rate | Monthly | Affiliate commission: CHF 500 to 3,000 per month depending on volume |
| Outcome Based/ Performance | Pay-as-you-go | Credit rating diagnostic: CHF 250 per person |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
MultiCredit product offering
Product offeringCore offering
MultiCredit is a Swiss consumer credit brokerage that intermediates between individual borrowers and a network of partner financial institutions (Cembra Money Bank SA, Bank-now SA, CG24, PrestaFlex Service) to provide personal loans (CHF 3,000–400,000, 12–84 month terms), credit refinancing and debt consolidation, vehicle loans and leasing, credit cards, SME financing, and credit rating diagnostic services. The company supports its brokerage activity with AI/LLM-based creditworthiness assessment, multilingual advisory (8 languages), and a free, non-committal application process.
Product overview
MultiCredit is a Swiss consumer credit brokerage operating since 1999 that offers a comprehensive suite of personal and business financing products. The core offering centers on personal loans (CHF 3,000-400,000, 12-84 month terms) and loan refinancing services (credit buyback, lease refinancing, credit card balance refinancing, debt consolidation). The product portfolio extends to specialized loans including renovation, student, medical, and self-employed loans, plus vehicle financing through car loans, boat loans, motorcycle loans, and electric bike loans. MultiCredit also provides credit cards with flexible payment options, car leasing programs, and SME financing through its PrestaFlex partnership (CHF 100,000-5 million). Additional services include credit score assessment, an affiliate program for passive income generation, and business contributor programs for merchants and financial advisors. The company operates exclusively in Switzerland with multilingual support (French, German, Italian, English, Portuguese, Spanish, Turkish) and processes over 15,000 credit applications annually with approximately CHF 500 million in loans since inception.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loan Unsecured personal loans from CHF 3,000 to CHF 400,000 with 12–84 month tenors, offered to Swiss-resident individuals (including employees, civil servants, self-employed, foreign permit holders, and pensioners) for personal projects such as car financing, renovation, education, and medical expenses. MultiCredit forwards the application to partner banks (Cembra Money Bank SA, Bank-now SA, CG24) for credit decisioning.
- Credit Refinancing (Credit Buyback) Service for refinancing existing credits by transferring them to MultiCredit, allowing customers to consolidate multiple obligations, potentially secure better interest rates, and simplify payment management.
- Lease Refinancing Service for refinancing existing vehicle leases, transferring lease obligations to MultiCredit under potentially improved terms.
- Credit Card Balance Refinancing Refinancing of outstanding credit card balances, consolidating multiple card debts into a single payment with potentially lower interest rates.
- Debt Consolidation Loan Loan product that groups multiple credits into a single consolidated loan with one monthly payment, simplifying financial management and potentially reducing overall interest costs.
- Renovation Loan Specialized personal loan for real-estate renovation and improvement projects, enabling homeowners to finance renovations with flexible 12–84 month repayment terms.
- Student Loan Personal loan product designed for financing education and training expenses, supporting students and their families with educational funding.
- Medical Loan Personal loan for medical expenses and healthcare-related costs, providing financial support for medical treatments and procedures.
- Personal Loan for Self-Employed Specialized personal loan product for self-employed individuals, freelancers, and independent professionals with tailored terms based on their professional profile.
- Credit Card MultiCredit-branded credit card with credit limits from CHF 3,000 to CHF 400,000, featuring flexible monthly payments (10–15% of open balance), contactless payment, online account access, and competitive interest rates.
- Car Loan Vehicle financing loan specifically for automobile purchases, offering competitive rates with vehicle ownership retained by the borrower and flexible insurance options.
- Boat Loan Specialized vehicle financing loan for watercraft purchases, providing financing solutions for boat and water-vehicle purchases.
- Motorcycle Loan Vehicle financing loan for motorcycle purchases, offering flexible terms for two-wheeler financing.
- Electric Bike Loan Vehicle financing loan for electric bicycle purchases, supporting sustainable transportation options with flexible repayment terms.
- Car Leasing Vehicle leasing service for automobiles, with options including leasing without down payment, used car leasing, and 0% leasing promotions.
- SME Loan (via PrestaFlex) Business financing for Swiss SMEs provided through partnership with PrestaFlex Service (active since 2013), offering financing from CHF 100,000 to CHF 5 million with decision process in 3–5 working days and payment within 10 days of contract signing.
- Revolving Credit Revolving credit facility for businesses starting at CHF 200,000 with flexible 6–36 month contracts, where the borrower pays only interest during the contract period with optional renewal at maturity.
- Credit Score Check Service Fee-based (CHF 250 per person) credit score diagnostic and improvement service analyzing ZEK, IKO, and CRIF databases, identifying negative codes, preparing financial budgets, and providing advisory on prosecutions and credit-rating optimization; complete analysis delivered in 3–5 business days.
Quantifiable outcome
- 90,769+ customers served and trust in MultiCredit
- +5 more outcomes
Companies that use MultiCredit
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles4 records
MultiCredit technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
AI capability2 records
Feature3 records
MultiCredit partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- PrestaFlex ServicecorePrestaFlex Service is MultiCredit's long-time partner for SME financing, active on the Swiss market since 2013. They offer professional team of specialists helping finance needs from CHF 100,000 to 5 million with a fast decision process (3-5 working days) and payment within 10 days after signing the contract. PrestaFlex provides individualized solutions prioritizing customer relations and overall analysis of client needs.
- AxaminorExclusive insurance partner providing optional payment protection insurance (PPI) for credit clients, covering monthly payments in case of disability or unemployment for up to 9-12 months.
- SwicaminorInsurance partner providing optional insurance coverage services to MultiCredit credit clients.
- GestifinminorInsurance partner providing optional coverage services to credit clients.
- CRIF AGcoreSwiss economic information agency used for creditworthiness checks, identity verification, and credit history analysis. CRIF processes payment histories and provides data for automated credit decision-making.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
MultiCredit competitors and assessment
Company assessmentDirect peers
- Credaris: Credaris is one of the largest Swiss credit brokerage firms, operating as an intermediary between consumers seeking personal loans/refinancing and partner banks. Directly comparable to MultiCredit in business model (commission-based broker), Swiss geographic focus, and core consumer-credit product set including debt consolidation.
- bonus24 (Cembra subsidiary): bonus24 is the online credit brokerage channel run by Cembra Money Bank (which is also a MultiCredit partner). Comparable as a Swiss online consumer credit intermediary with similar origination flow and target customers; represents both a peer and a partner overlap.
- cashgate: cashgate is a Swiss consumer credit and SME financing provider offering personal loans, leasing, and credit brokerage. Operates in the same Swiss mid-market consumer credit category and overlaps directly with MultiCredit's product portfolio.
- CreditS: CreditS is a Swiss online credit brokerage comparison platform enabling consumers to apply for personal loans and refinancing across multiple lenders. Comparable in business model (intermediary between consumers and banks), Swiss focus, and refinancing/loan-buyout product mix.
Emerging players
- Bob Finance: Bob Finance is a Swiss mobile-first consumer credit provider offering personal loans via a streamlined digital application. Comparable in Swiss personal-loan intermediation with a younger, digital-only positioning versus MultiCredit's multichannel model.
- Tilopax / Tilo: Tilo is a Swiss digital consumer credit platform offering personal loans with instant online decisions. Comparable as a Switzerland-focused consumer credit intermediary with a digitally-led go-to-market motion; represents the digitally-native flank of the same category.
Broad incumbents
- Comparis: Comparis is Switzerland's leading financial services comparison portal, including credit brokerage. Comparable as a credit intermediation channel for Swiss consumers, though it operates more as a comparison marketplace than a hands-on advisory broker like MultiCredit.
- Cembra Money Bank SA: Cembra Money Bank is a major Swiss consumer finance provider and MultiCredit's largest partner bank. While a direct lender rather than a pure broker, Cembra operates in the same Swiss consumer credit space at greater scale through Cembra Pay, bonus24, and Bank-now, providing overlap in product and customer base.
- Bank-now (Cembra subsidiary): Bank-now is a Swiss consumer credit arm of Cembra Money Bank and a MultiCredit partner. Comparable as a Swiss consumer loan originator with overlap in target customer (salaried, permit holders) and product (personal loan, leasing, refinancing).
Others
- PrestaFlex Service: PrestaFlex is MultiCredit's long-time partner for SME financing in Switzerland (active since 2013). Comparable as a Swiss non-bank SME financier partnering with brokers; included as a partnership/ecosystem player rather than direct competitor.
Market position
Strengths6 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
MultiCredit social profiles
Digital presenceMultiCredit financial estimates
Financial estimateRevenue estimate
Valuation estimate
MultiCredit leadership team
Management profileNumber of profiles
Profiles1 record
MultiCredit funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MultiCredit 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 MultiCredit
What does MultiCredit do?
MultiCredit is a Swiss consumer credit brokerage that intermediates between individual borrowers and a network of partner financial institutions (Cembra Money Bank SA, Bank-now SA, CG24, PrestaFlex Service) to provide personal loans (CHF 3,000–400,000, 12–84 month terms), credit refinancing and debt consolidation, vehicle loans and leasing, credit cards, SME financing, and credit rating diagnostic services. The company supports its brokerage activity with AI/LLM-based creditworthiness assessment, multilingual advisory (8 languages), and a free, non-committal application process.
Is MultiCredit a public or private company?
MultiCredit is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was MultiCredit founded?
MultiCredit was founded in 1999. It employs 1 to 10 people.
Where is MultiCredit based?
MultiCredit is headquartered in Fribourg, Switzerland, in the Europe region.
How does MultiCredit make money?
Three revenue lines are on record. Consumer Credit Brokerage is the primary driver. The others are affiliate and Partner Referral Fees and credit Rating Diagnostic Services.
Who are MultiCredit's main competitors?
Direct peers on record are Credaris, bonus24 (Cembra subsidiary), cashgate and CreditS. Emerging players are Bob Finance and Tilopax / Tilo. Broad incumbents are Comparis, Cembra Money Bank SA and Bank-now (Cembra subsidiary). PrestaFlex Service is listed as an others.
Does MultiCredit have an API?
No public API is recorded for MultiCredit.
What industry is MultiCredit in?
MultiCredit's product category is Consumer Credit Brokerage. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation, with a secondary code of FSAEAEAN, Debt Consolidation & Credit Card Balance Transfer Intermediation. Its NAICS code is 522310 and its SIC code is 6163.