Jahresrückblick 2018
Jahresrückblick 2018
Investment Opportunities
Current Projects
Invest directly in personal loans or business loans, sell or buy already existing credit project shares on our secondary market, or invest in investment products such as bonds and funds.
CreditGate24 - one platform - countless investment opportunities
Primary Market
Secondary Market
Investment Products
Crowdlending: Make money meaningfully and get attractive returns
Do you want to diversify your portfolio and decide what risk you are willing to take? Take advantage of crowdlending and invest in personal and business loans on our primary market. The minimum investment is CHF 500 and you have free choice in what type of loan and rating class you want to invest your money.
With our primary market you can overview our loans from personal and SME borrowers. You can buy Credit Project Shares (CPS) in a credit project. You are therefore willing to finance part of the loan. As soon as the loan is fully financed, you will receive an invitation to pay as an investor or, as the case may be, your share will be withdrawn directly by direct debiting. You will then receive your share in monthly repayments. In case of investing in a SME short term loan, you will receive a one-time repayment at the end of the term instead of the monthly repayments.
Credit projects on our primary market
| Type of credit | Rating | Collateral | Nominal interest | Max. netto yield | Duration | Loan amount | Already financed | Open price | Time left |
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What our investors say
Investor benefits
Attractive Returns
Benefit from great yields
Quality
Due to our comprehensive credit check process and insurance coverage
Diversification
High diversification thanks to our solidarity arrangement
Monthly Income
Periodic and reliable repayments of your investments
Diversify your portfolio with our secondary market
Our secondary market is a market place for existing credits for 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 invested capital 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 can be found at the offered price.
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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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 a 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.
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.
Investment Products
For investors who do not want to invest in individual loans, there is a range of investment products. The administrative burden associated with these indirect investments in loans is kept to a minimum by these products for institutional and private investors. Below can be found the different ways to invest in Swiss SME and personal loans (Small Cap Private Debt).
Requirement
The relevant preconditions for the investment products can be found in the relevant investment prospectuses.
Target
For private, professional and institutional investors in accordance with the investment prospectus.
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What is CreditGate24?
We are the leading Swiss online financing platform, providing loans to individuals and SMEs. Modern technology allows us to make the loan process simple and efficient. We bring borrowers directly together with private and institutional investors. By 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.
