Lica

What Lica does

Lica, operating as Lica Crédit Sàrl, is a Swiss online credit brokerage and insurance intermediary headquartered in Vevey, Switzerland. The company provides a digital-first platform that routes consumer credit applications to a network of six partner banks (Cembra Money Bank, Bank-Now, Corner Bank, Bob Finance, Migros Bank, CreditGate24) and integrates with Swiss credit bureau databases (ZEK, CRIF). Its product portfolio spans approximately 15 specialized personal credit variants — including auto, motorcycle, real estate, renovation, relocation, medical, travel, education, B-permit holder, cross-border worker, self-employed, and pensioner (AVS/AI) loans — alongside debt consolidation (rachat de crédit), lease buy-out (rachat de leasing), supplementary unemployment insurance (via Helvetia), and a co-branded credit card (Certo! One Mastercard via Cembra Money Bank). The platform also operates Lica Workplace, a B2B intermediary CRM providing independent Swiss brokers access to the multi-bank network, portfolio protection, and qualified leads.

The core technology stack combines automated online application processing (approximately 2-minute application flow with 24-hour personalized offer) with human advisor-led workflows. Operational tooling includes n8n for workflow automation, Brevo for email communications, Stripe for payments, Respond.io for messaging, Timetonic for internal operations, and third-party AI services (OpenAI, Mistral AI, Anthropic) for document processing and process optimization. The company also runs a differentiated cashback credit product offering up to CHF 5,000 for applications completed fully autonomously online.

Lica's business model is asset-light and commission-based. Revenue derives from (1) transaction commissions paid by partner banks on successfully placed credit applications and (2) affiliate commissions from insurance intermediation with Helvetia under FINMA non-tied intermediary registration. Lica explicitly charges no fees to consumers — its credit application service is free at the point of use, with costs covered entirely by banking partner commissions. Disclosed scale signals include CHF 142 million in cumulative lease buy-out financing facilitated across 3,000+ clients, an average lease buy-out ticket of CHF 73,000, an average debt consolidation ticket of CHF 46,000, a 4.9/5 Google rating from 291 reviews, and a 99% customer recommendation rate. The company is privately held with 1–10 employees and no disclosed external funding.

Name

Lica

Legal name

Lica Crédit Sàrl

Website

https://www.lica.ch

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Lica is a Swiss online credit brokerage (Lica Crédit Sàrl, Vevey) that routes consumer loan applications across six partner banks (Cembra, Bank-Now, Migros, etc.) and offers insurance intermediation via Helvetia. It serves Swiss residents, pensioners, cross-border workers, B-permit holders, and independent brokers through a digital platform plus advisor support, earning commission-based revenue without charging consumers.

Ownership category

akta.pro rank

Product category

Consumer Lending Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSAEAEAM

Personal Loan & Unsecured Credit Intermediation

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

SECONDARYFSAGAHAL

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching)

Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)

Keywords

• Personal credit brokerage
• Debt consolidation loans
• Lease buyout financing
• Unemployment insurance products
• Broker CRM platform

Headquarters

HQ city

Vevey

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from Financial Partners: Lica receives commissions from partner banks and financial institutions (Cembra Money Bank, Bank-Now, Corner Bank, Bob Finance, Migros Bank, CreditGate24) for successfully placed credit applications. The company explicitly states it is 'rémunérés uniquement par nos partenaires bancaires, jamais par nos clients' (compensated only by banking partners, never by clients).
2. Insurance Intermediation Commission: As a non-captive insurance intermediary under FINMA supervision, Lica earns commissions from Helvetia for unemployment insurance products and potentially other insurance advisory services (health, motor vehicle).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels11 records

Core offering

Lica operates an online credit brokerage platform in Switzerland that matches individual borrowers with personal credit products from a network of partner banks (Cembra Money Bank, Bank-Now, Corner Bank, Bob Finance, Migros Bank, CreditGate24). The company offers a 2-minute digital application followed by human advisor support, free of charge to consumers, and is compensated exclusively by commissions from partner banks and from Helvetia for supplementary unemployment insurance intermediation. Lica also operates a B2B broker CRM platform (Lica Workplace) for independent credit intermediaries.

Product overview

Lica is a Swiss private credit broker and financial services platform operated by Lica Crédit Sàrl. Its core offering is a portfolio of personal credit products (crédit privé) spanning vehicle financing (auto, motorcycle), real estate, renovation, relocation, and specialized segments (B-permit holders, cross-border workers, self-employed, medical, travel, education, and pensioners/AVS-AI). Lica differentiates through a cashback credit product (up to CHF 5,000 for fully online applications) and offers complementary optimization services including debt consolidation (rachat de crédit) and lease buyouts (rachat de leasing). Insurance add-ons (supplementary unemployment insurance via Helvetia) and a co-branded credit card (Certo! One Mastercard via Cembra Money Bank) round out the portfolio. Lica also operates a B2B intermediary platform (Lica Workplace) enabling brokers and independent advisors to manage credit dossiers, access a partner bank network, and receive qualified leads.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédit privé / Prêt personnel (Personal Loan) A core personal loan product offering flexible consumer financing in Switzerland for purposes such as vehicles, renovation, relocation, medical, travel, education, and unexpected expenses, with specialized variants for B-permit holders, cross-border workers, self-employed individuals, and AVS/AI pensioners. Loans range from CHF 3,000 to CHF 400,000 with terms between 12 and 120 months and effective annual interest rates between 4.5% and 10%. A cashback of up to CHF 5,000 is available when the application is completed fully online without advisor intervention, paid 30 days after disbursement.
• Rachat de crédit (Debt Consolidation) Debt consolidation service that combines multiple existing personal loans, lease agreements, or credit card balances into a single financing plan with one unified monthly payment, typically at a reduced total cost. Loan amounts from CHF 3,000 to CHF 400,000, average deal size CHF 46,000.
• Rachat de leasing (Lease Buyout) Lease buyout service enabling clients to purchase their leased vehicle by financing the residual value through a personal loan, transitioning from leasing to full ownership. Amounts from CHF 3,000 to CHF 400,000; total volume facilitated of CHF 142 million across 3,000+ clients; average credit amount CHF 73,000.
• Assurance chômage complémentaire (Supplementary Unemployment Insurance) Supplementary unemployment insurance provided in partnership with Helvetia, paying a monthly indemnity if the policyholder loses employment, falls ill, or has an accident. Can be integrated into a credit agreement or held independently. Lica operates as a non-captive insurance intermediary regulated by FINMA.
• Carte de crédit (Certo! One Mastercard Lica MyDesign) Credit card offered through Lica on behalf of Cembra Money Bank under the name Certo! One Mastercard Lica MyDesign. Card issuance, servicing, and data processing are managed by Cembra Money Bank.
• Lica Workplace (Broker CRM Platform) A digital broker platform providing CRM tools for independent intermediaries and brokers to manage credit applications, track signatures, connect web forms, monitor performance dashboards, and access partner bank networks. Includes qualified lead generation, training, and portfolio protection guarantees ensuring client ownership to the originating partner broker.

Quantifiable outcome

• 99% customer recommendation rate
• +4 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

AI capability2 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered supporting.

• n8nsupportingTechnology or IntegrationWorkflow automation platform used by Lica for business process management. Enables integration between various systems and services.
• BrevosupportingTechnology or IntegrationCustomer communication and marketing platform used for email campaigns and customer relationship management communications.
• OpenAIsupportingTechnology or IntegrationAI services provider used by Lica for improving service quality, request processing, and process optimization.
• Mistral AIsupportingTechnology or IntegrationAI services provider used for service quality improvement and process optimization alongside OpenAI.
• AnthropicsupportingTechnology or IntegrationAI services provider used for improving service quality, request processing, and process optimization.
• StripesupportingTechnology or IntegrationPayment processing services used for online payment collection on Lica's platform.
• TimetonicsupportingTechnology or IntegrationBusiness management platform used by Lica for internal operations.
• Respond.iosupportingTechnology or IntegrationCustomer messaging platform used for communication management.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• CreditGate24: Swiss digital credit intermediation platform that connects borrowers with multiple lenders. Direct competitor to Lica in the Swiss personal loan brokerage space and also an existing Lica partner bank, illustrating the dual-edge competitive dynamic.
• Bob Finance: Swiss digital consumer credit provider offering personal loans directly to consumers. Competitor in the same target market (Swiss residents seeking personal credit) and also a partner bank for Lica's intermediation flow.
• cashgate: Swiss online consumer credit provider offering personal loans and credit brokerage services. Directly comparable to Lica in customer base (Swiss residents), product range (personal loans, debt consolidation), and distribution model (online-first).
• Boncredit: Swiss personal credit broker intermediating loans for consumers including pensioners and self-employed workers. Comparable to Lica in targeting underserved segments (pensioners, B-permit holders) and in offering specialized credit products.
• credaris (Hypotheke.ch): Swiss credit and mortgage comparison/brokerage platform operating multi-bank intermediation. Comparable to Lica's model of routing applications across multiple Swiss lenders, with overlap in personal credit and expansion into mortgage brokerage.

Broad incumbents

• comparis.ch: Switzerland's largest price comparison platform covering credit, insurance, banking, and telecom. Overlaps with Lica in credit comparison and brokerage, but operates as a broad horizontal comparison destination rather than a specialized credit intermediary.
• Moneyland.ch: Swiss financial comparison and information platform covering credit, banking, insurance, and investment products. Provides credit comparison and broker-matching services overlapping with Lica's core offering, but as part of a broader financial comparison suite.
• Cembra Money Bank: Major Swiss consumer finance bank issuing personal loans, credit cards (including the Certo! One Mastercard Lica co-brand), and lease products. Both a key Lica partner and a competitor with direct-to-consumer credit offerings.
• Bank-Now (Credit Suisse / UBS): Swiss consumer credit division of UBS (formerly Credit Suisse) offering personal loans and vehicle financing. Both a Lica partner bank and a direct competitor in the personal credit space.
• Swiss Marketplace Group (SMG) – finance vertical: Horizontal marketplace group operating Swiss classifieds and comparison platforms. Potentially adjacent to Lica through financial comparison and brokerage offerings across its portfolio of consumer-facing Swiss destinations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@lica-credit
• Facebookfacebook.com/lica.suisse
• LinkedInlinkedin.com/company/lica-credit
• Instagraminstagram.com/licacredit
• TikToktiktok.com/@lica.ch?lang=fr

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Lica