Ruben Mar 18, 2025
the pre-rental financing.
Here's how it works:
- A retailer applies for pre-rental financing via Crowd4Cash to finance a specific property.
- The dealer receives the equivalent value of the object and hands over the future receivables and ownership of the object to Crowd4Cash ab.
- The financed property is rented out, and the tenant pays a monthly rent to Crowd4Cash.
- The rental income is used to repay the pre-financing of the rent, which greatly reduces the risk of non-payment.
- If the tenant falls behind and three reminders are unsuccessful, the dealer is obliged to repay the remaining amount.
- At the end of the term, the pre-tenant can either take over the property himself for a purchase price or return it to the dealer. The retailer only has to pay the remaining amount. This can also be done by subletting the property, in which case the rents must again be used for repayment.
Benefits for all parties involved
For Lessors
- Optimisation of liquidity: The value of the property is made available directly as liquidity, as in the case of a sale. The capital remains available, as the landlord does not have to pay the installments from his own funds.
- Rapid liquidity: The financing amount is paid out within a few days. This means that the capital is not tied up during the rental period and can be invested accordingly.
- No direct financial pressure: The monthly instalments are covered by the rental income, which means that the landlord has no own burden.
- Flexible usage options: After the pre-financing period, the property can be purchased by the tenant or re-let
- Less effort: Crowd4Cash takes care of the contract and invoicing and coordinates the payment flows in a highly automated manner. Debt collection will be taken over by Crowd4Cash up to and including the third reminder. This eliminates a large part of the effort as a landlord.
For investors:
- Lower risk: Since repayment is made via rental income and the retailer is secondarily liable, the risk of default is significantly reduced. Furthermore, the rental loans are secured with the property
- Plannable returns: Regular rent payments ensure a stable and predictable return on capital.
Use cases: Which objects are suitable?
Pre-rental financing is particularly interesting for properties that retain their value and can be rented out well. Examples are:
- Vehicles: Rental car fleets, electric scooters or other vehicles that continuously generate income through long-term rentals.
- Other valuable and easily sellable items for rent
An innovation in the fintech sector?
Yes! The model represents an innovative further development in the crowdlending market. It combines classic rental pre-financing with the security of recurring rental income, thus creating a win-win situation for all parties involved. Due to the low-risk nature of this form of financing, pre-financing could play an increasingly important role in the alternative financing market in the future.
Crowd4Cash remains at the forefront of this and continuously develops new solutions to optimally support both investors and borrowers.
Conclusion: The future of credit-based financing?
Rent-based rental pre-financing opens up new opportunities for companies, private customers and investors. They offer an innovative way of providing capital without taking on the traditional risks of unsecured lending. Thanks to the co-pre-financing model, all parties involved benefit from a stable, secure and flexible financing concept.
Would you like to benefit from the possibilities of crowdlending? Visit Crowd4Cash and discover our innovative financing and investment solutions via our website at www.crowd4cash.ch !
If you would like to proceed directly with your registration, you can do so easily at https://crowd4cash.ch/de/private-kreditnehmer-registrierung .
You can find more articles at https://crowd4cash.ch/de/bloggen
Glossary: https://crowd4cash.ch/de/glossar
