Asspa
Asspa is a privately held Swiss credit and insurance brokerage based in Marly, Switzerland, that intermediates personal loans (5,000–250,000 CHF) between consumers and partner banks and offers insurance and third pillar advisory, serving Swiss residents, cross-border workers, and foreign nationals.
- Company typePrivate
- Founded2010
- HeadquartersFribourg, Switzerland
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Asspa does
Asspa is a privately held Swiss credit and insurance brokerage firm headquartered in Marly (Fribourg canton), Switzerland. The company operates as an intermediary between individual customers and a network of Swiss partner banks, sourcing personal loan products ranging from 5,000 to 250,000 CHF with terms up to 120 months at interest rates starting from 4.9%, alongside insurance advisory (including legal insurance) and third pillar (Pillar 3A) retirement planning services. The underlying technology is a digital web platform that supports an online credit simulation tool, digital document submission, and a free credit scoring/feasibility service delivered within 24 hours, with personalized advisor follow-up by phone or WhatsApp.
The business model is commission-based: services are free to consumers, and Asspa earns transaction fees from partner banks on originated loans. The go-to-market is digital-first with content marketing (a multilingual blog across FR/ES/DE/PT) and direct response channels (online form, phone, WhatsApp), targeting three geographic customer segments — Swiss residents, cross-border workers, and foreign nationals in Switzerland. The company claims more than 20 years of experience and over 10,000 served clients, positioning itself as one of the larger credit brokers in Switzerland. The firm operates with 1-10 employees, has no disclosed funding rounds, no parent company, and no public financials, making it a small, independently run, consumer-facing financial intermediary rather than a venture-backed or scaled fintech platform.
Asspa firmographics
Firmographics- Name
- Asspa
- Legal name
- ASSPA
- Website
- https://asspa-credit.ch
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Asspa is a privately held Swiss credit and insurance brokerage based in Marly, Switzerland, that intermediates personal loans (5,000–250,000 CHF) between consumers and partner banks and offers insurance and third pillar advisory, serving Swiss residents, cross-border workers, and foreign nationals.
- Ownership category
- akta.pro rank
Where Asspa is headquartered
LocationHeadquarters
- HQ city
- Fribourg
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
Asspa business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Credit Brokering Services: ASSPA acts as an intermediary between customers and banks, providing credit advisory and matching services. The company conducts an internal audit to find the best credit solution for each customer, avoiding multiple bank applications that could negatively impact the customer's credit score. Revenue is generated through commissions paid by partner banks.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Credit amounts from 5,000 to 250,000 CHF with durations up to 120 months |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Asspa product offering
Product offeringCore offering
Asspa is a Swiss credit and insurance brokerage that intermediates personal loans between customers and partner banks, offering loan amounts from 5,000 to 250,000 CHF at interest rates starting from 4.9% over up to 120 months. The company also provides insurance advisory (legal insurance and third pillar retirement savings) and free financial feasibility analysis, with the entire process conducted online and supported by a dedicated advisor contacting the customer within 24 hours.
Product overview
Asspa operates as a unified financial services platform serving the Swiss market, providing two primary offerings: credits (loans ranging from 5,000 to 250,000 CHF with terms up to 120 months and interest rates starting from 4.9%) and insurance products including legal insurance and third pillar retirement coverage. The platform combines a fully digital 100% online process with personalized advisory services. With over 20 years of experience and more than 10,000 satisfied clients, Asspa positions itself as a credit broker that performs internal audits to find optimal solutions, avoiding multiple applications with different banks that could negatively affect client creditworthiness.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédits (Credits/Loans) Loan products ranging from 5,000 to 250,000 CHF with durations up to 120 months and interest rates starting from 4.9% (e.g., a 20,000 CHF loan over 120 months yields a monthly payment of approximately 211 CHF). The credit process is 100% online with a three-step workflow: online application submission, document review and credit decision, and loan disbursement. Targeted at Swiss citizens, cross-border workers, and foreigners seeking personal credit.
- Assurances (Insurance advisory) Insurance products including legal insurance (assurance juridique) and third pillar (retirement savings) coverage for Swiss citizens, cross-border workers, and foreigners, with potential tax savings of up to 4,000 CHF annually highlighted as a benefit.
- Analyse financière (Financial Analysis) Free credit scoring analysis and feasibility reports delivered within 24 hours to help clients understand their credit options and financial standing before applying for a loan.
Quantifiable outcome
- Save up to 4,000 CHF annually in taxes through third pillar contributions
Companies that use Asspa
Customer profileSegments3 records
Ideal customer profiles3 records
Asspa technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Asspa partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Partner Banks in SwitzerlandcoreASSPA works with multiple Swiss banks as partners to offer credit solutions to customers. The company conducts an internal audit to match customer profiles with the best available banking products, earning commissions from these partner institutions. This model allows customers to avoid submitting multiple applications to different banks.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
Asspa competitors and assessment
Company assessmentBroad incumbents
- Comparis: Switzerland's largest price-comparison platform covering credit, insurance, banking and telecom. Operates a much broader portfolio than ASSPA but directly competes for the same Swiss consumer-credit comparison-and-brokerage intent, including cross-border-worker content.
- Cembra Money Bank: Switzerland's largest non-bank consumer credit provider (loans, leasing, credit cards) operating as the parent of Bank-now. While a lender rather than a pure broker, it competes for the same personal-loan customer and represents the type of vertically-integrated player that could disintermediate brokers like ASSPA.
- Bank-now: Swiss online bank specialized in personal loans (1,000-100,000 CHF) and leasing, owned by Cembra. Offers direct-to-consumer digital lending in the same ticket-size range as ASSPA, bypassing the broker entirely.
Direct peers
- Cashgate: Swiss online consumer-loan provider offering 5,000-250,000 CHF personal loans with digital processing — overlapping ticket sizes, customer segments, and value proposition with ASSPA, and operating as both a direct lender and intermediary.
- Credaris: Swiss online credit broker offering personal loans from 5,000 to 250,000 CHF with a digital application flow and partner-bank model — directly comparable to ASSPA's core product, target customer (Swiss residents + cross-border workers), and commission-based revenue model.
- Moneyland: Swiss financial product comparison portal specializing in credit, insurance and banking products with editorial reviews. Competes with ASSPA for organic top-of-funnel traffic from Swiss consumers searching for credit and third-pillar options.
- Bob Finance: Swiss personal-loan broker owned by Bank Cler, offering credit from 1,000 to 100,000 CHF through a digital application flow targeting Swiss residents and cross-border workers — same core product, same customer segments, similar intermediary/commission model.
Others
- Swiss Marketplace Group: Holding company that owns comparis.ch and other leading Swiss digital marketplaces (homegate, immostreet, autoscout24, etc.). Relevant as the corporate parent of ASSPA's largest horizontal competitor and as a potential acquirer or partner for Swiss financial-services aggregation plays.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Asspa social profiles
Digital presenceAsspa financial estimates
Financial estimateRevenue estimate
Valuation estimate
Asspa leadership team
Management profileNumber of profiles
Asspa funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Asspa 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 Asspa
What does Asspa do?
Asspa is a Swiss credit and insurance brokerage that intermediates personal loans between customers and partner banks, offering loan amounts from 5,000 to 250,000 CHF at interest rates starting from 4.9% over up to 120 months. The company also provides insurance advisory (legal insurance and third pillar retirement savings) and free financial feasibility analysis, with the entire process conducted online and supported by a dedicated advisor contacting the customer within 24 hours.
Is Asspa a public or private company?
Asspa is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Asspa founded?
Asspa was founded in 2010. It employs 1 to 10 people.
Where is Asspa based?
Asspa is headquartered in Fribourg, Switzerland, in the Europe region.
How does Asspa make money?
One revenue line is on record: credit Brokering Services.
Who are Asspa's main competitors?
Broad incumbents on record are Comparis, Cembra Money Bank and Bank-now. Direct peers are Cashgate, Credaris, Moneyland and Bob Finance. Swiss Marketplace Group is listed as an others.
Does Asspa have an API?
No public API is recorded for Asspa.