KMU-Erfolgsgeschichte Sibylle Born, PaperARTist
KMU-Erfolgsgeschichte Sibylle Born, PaperARTist
the first Secondary market for p2p investors
Current credit projects on our secondary market
| Type of credit | Rating | Collateral | Max. net yield | Duration (left) | Duration (total) | Remaining Amount | Open offer | Due installement paid | Time left |
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Diversify your portfolio with our secondary market
Our secondary market is a market place for existing credits of peer-to-peer loans. Within the secondary market there is a capital exchange between registered investors.
The credit shares in a credit project are called Credit Project Shares (CPS). Registered investors have the option to offer their credit in a credit project for sale and / or they can buy CPS from other investors.
Investors can sell their own credit projects at a premium or a discount. In this way, they receive their capital employed before the end of the term of the loan. At the same time, investors can acquire credit projects and thus diversify their portfolio and increase the yield chances. The price is determined by the investors themselves and a purchase or sale is only made if a buyer finds himself at the offered price.
Investor benefits
Higher Liquidity
Take advantage of the opportunity to sell your investment before the end of the term.
Additional Investment Opportunity
The secondary market offers additional investment opportunities for investors.
No Additional Costs
The sale and purchase of credit project shares will be made for you without further charges.
Shorter Running Times, Potentially Less Risk
Take advantage of a shorter term to purchase investments and minimize your risk.
High Flexibility
You can sell the CPS with a premium or a discount.
Frequently Asked Questions about Secondary Market
Who is allowed to buy or sell CPS (credit) on the secondary market?
The CreditGate24 secondary market is open to all registered investors of CreditGate24.
Who determines the price of a CPS (credit) on the secondary market?
By default, the purchase price is based on the amount which is still open at the time of the sale to the original investor. However, the seller is free to demand a slightly higher or slightly lower purchase price (premium or Disocunt). All relevant information on the CPS is disclosed to the potential new investor / buyer
What happens when a credit is in default while a CPS (credit) is on sale?
The CPS can no longer be sold at this time and the offer is automatically removed from the secondary market by CreditGate24.
What does the CreditGate24 secondary market cost?
The secondary market for credit shares (CPS) of CreditGate24 is provided to investors free of charge. CreditGate24 does not charge any commission on the sold CPS. Investors pay unchanged service fee of 1% on all repayments, including on any product sold on the secondary market lending shares.
Other answers to the secondary market can be found in our FAQs on the secondary market.
Investing the easy way
Register online and open an investor account.
Use our primary and secondary market and invest in loans.
Once the loan has been fully financed, you will receive a payment notices, or your invested amount will be debited directly from your account using the direct debit procedure (LSV).
Get your return on investment in monthly installments or as a single payment.
3 tips for an Optimal Investing Strategy
- Diversify your portfolio properly
We recommend that you invest your investments not only in various credit projects of a rating level and credit category, but also to distribute your shares into loans of different credit categories and rating levels. Invest in both private and commercial loans and use our rating levels and invest in credits of rating grade A or AA as well as in B or C. - Reinvest your assets
In order to ensure a constant interest rate on your money, it is advisable to reintroduce the repayments from existing loans on a regular basis. - Invest in other investment opportunities
See your investment in loans as a new and especially as a further investment opportunity. With each investment in another investment, you diversify your portfolio and reduce your risk.
What our investors say
Transparent fees
Registration and account opening: free of charge
Investment in loans: free of charge
CreditGate24 fee: 1%*
* The fee is payable with every repayment (amortization and interest) and deducted automatically. For a four-year term, the 0.25% p.a.
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What is CreditGate24?
We are the leading online Swiss financing platform, providing loans to individuals and SMEs. Modern technology allows us to make the loan process simple and efficient. We bring borrowers directly with private and institutional investors. In doing so, we take over the credit check, monitor the transcripts and provide support for borrowers and investors. As a financing alternative, borrowers benefit from favorable interest rates and investors from attractive returns.
Do you have any more questions?
Our team is there for you personally! You can reach us 24 hours a day, 7 days a week.
