Risk Management

Minimize risk - increase Return

As the only marketplace lending platform, CreditGate24 ensures the greatest possible diversification of your loan portfolio through the solidarity agreement regulated and implemented in the investor agreement. Through your own investment activities across different rating levels and types of loans, you can further diversify your portfolio. A total loss of your invested capital will therefore be highly unlikely. Further information on the solidarity agreement, the necessary information for your own risk management and details of our rating system can be found on this page.

Portfolio diversification thanks to rating levels

Every loan application is checked by our team. The loan risk of each applicant is determined and assigned using the rating system. In addition to the creditworthiness of the borrower, the general conditions are also looked at. It is followed by a detailed analysis of the borrower in order to find out whether the borrower is able to handle the credit on a timely basis. The individual rating levels represent the credit risk of the respective customer. The better the rating, the higher the likelihood that the borrower will pay the loan timely and fully. The worse the rating, the higher the likelihood that the loan will default. Look at our rating levels to see what your expected return is.

AAA - Real Estate Loans to Protect Against Default | AA - Highest Credit Quality, Deepest Default Risk | A - Very High Credit Quality, Very Low Default Risk | B - High Credit Quality, Deep Default Risk | C - Medium Credit Quality, Medium Default Risk | D - Lower Credit Quality, Increased Outlier Risk | E - Low Credit Quality, high risk of default

Investor-Statistic

Data is based on June 2018. These metrics are updated regularly by us.

COLLECTION STATISTICS

CreditGate24 conducts all debt collection and bankruptcy procedures through our recovery department's internal staff, using a holistic credit servicing approach.

We are confident that with this model we can offer our investors the best possible service. Through our active loss management, existing debts, especially based on newly acquired knowledge repeated and regularly driven. All administrative expenses are therefore also taken over after the issue of the loss certificate by us.

What our investors say

«CreditGate24 offers me an uncomplicated investment opportunity. I consider the risk to be minimal and the yields to be very attractive. I look forward to tracking the monthly repayments.»

F. Herter

«By the way: I am very satisfied with Creditgate24 in every respect and hope that you continue this simple, structured, innovative and intelligent way. Congratulations to you and the whole team of Creditgate24.»

Anonym

«CreditGate24 has fulfilled my expectations as an uncomplicated, transparent and lucrative alternative to banks or securities investments»

F. Konermann

Measures to protect our investors

The security of our investors is particularly important to us. As a result, we have taken the correct measures to decrease risk. Any credit published on our online platform goes through a strict credit audit process. Currently more than 80% of the loans are rejected because they do not meet our criteria. Furthermore, all loans are hedged with Generali's death insurance up to a residual credit amount of max. CHF 100'000.

A further measure for the protection of our investors is the secured loans (rating level AAA). Individuals as well as SME borrowers have the opportunity to have their loans secrued by a mortgage pledged in favour og CreditGate24. Our borrowers benefit from a lower interest rate and our investors, who are less likely to take a high risk, will be given an AAA rating class with a very low risk. Our most important measure is the solidarity agreement. With us, all investors within a credit category and rating level are solidly sound, should a loan default occur.

Our investment opportunities

  • Marketplace lending platform for private and institutional investors
  • Invest in Private Debt like institutional investors
  • Monthly income if you choose our direct investments
  • Extended diversification of your portfolio

With our direct investments, you can directly buy receivables as an investor. We have developed 3 packages. Choose between Direct-Invest, Premium-Manadt and Choice-Mandate.

Private Debt - Instead of investing in individual loans, you can also choose between bankable assets.

More informations

The solidarity agreement - Our investors are solidly committed

What happens when there is a credit default? For this particular case, we have defined our solidarity agreement. Liability for a credit default is borne solidly by all investors of the same credit category and rating level. On the basis of an example, we would like to show you how our solidarity agreement works in particular.

A personal loan of rating C has failed. The outstanding credit amount is CHF 7'500. The total sum of the credit rating for the private credit category is CHF 1'200'000. In this case, the portion of the outstanding loan amount is 0.63%. Each investor in the private and credit rating category C is solidly held liable with 0.63% of its investments. An investor has invested CHF 500 in this credit category and rating. With the next possible payment, CHF 3.15 will be deducted from its repayment.

can i trust creditgate24 with my investments?

Administrative trust by CreditGate24

CreditGate24 is commissioned by the investors to cover the credit relationship as a service provider throughout the term of the investor agreement.

The investor agreement regulates the sale, assignment and administration as part of the takeover of the credit relationship. This structure allows the necessary discretion for the investor as well as for the borrower.

Financing of the credit management via the investor fee

At CreditGate24, we assume the full support of the credit agreement from the credit application. Starting with the credit check, through the financing of our investors, to the payment, and the monitoring of the monthly amortization and interest payments until the end of the contract period. A fee of 1% will be deducted from CreditGate24 from each monthly repayment (amortization and interest payment) to the investors for this service. Should CG24 fail, the role of the service provider would be transferred to a salvage company and the management of all current credit terms would be taken over by a partner trust office. The investor fee of 1% on the monthly repayments of the entire then existing credit portfolio ensures that the costs for the administration of the credit relationship are covered until the end of the respective term of the contract.

For more information, visit our FAQ page:

FAQ of our investors

What is CreditGate24?

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