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- Investing into your future, for example for further education - For a large acquisition, for example an automobile or new furniture - When considerable expenses are pending, for a renovation of your appartment, or a new conservatory, etc. - A debt restructuring. if yiôu have to pay less interest at Crowd4Cash

- If you want to assure liquidity over the short- or medium-run
- If you want to launch a new product
- If you want to expand
- A debt restructuring, if you pay lower interest rates at Crowd4Cash

Every natural person that is at least 20 years and a maximum 60 years old.

For private borrowers, personal and financial aspects are analysed. On the personal layer, this can be the education level, the age, or the family structure. On the financial layer, this can be the monthly salary, the rent costs, or the regular monthly transportation expenses. For companies, company-internal and external aspects are analysed. Internal, this can be the earnings and expenses of the last 2 business years, or the headcount. External factors can be the competitive environment, the market development of the sold products / services, or the possible market risks for the enterprise.

A payment protection insurance is an insurance solution to protect yourself against the financial consequences of death, disability, unemployment and divorce. It relieves the policyholder and the relatives as well as heirs of the repayment instalments in the event of occupational disability, involuntary unemployment or death, over the entire term of the loan. What is new is that even in the case of divorce, the loan repayments are covered by the insurance over a maximum term of 6 month. For investors, the payment protection insurance forms a reinsurance for their investment and is a possible decision criterion when choosing their preferred credit projects.

The borrower is compulsorily insured against the risk of death. In this case the insurance company bears the remaining debt towards the lender. In the case of insurance with coverage in the event of unemployment, disability and divorce, your monthly loan instalments are covered until the end of the term in the event of an insured event (a maximum of 6 monthly instalments, in the event of divorce). Details can be found in the product information and the terms and conditions.

The solvency or creditworthiness of a person or an enterprise, is their capacity to repay their credit debts (economic solvency) and their willingness to pay back the credit (willingness to pay). One can thereby deviate the probability with which the borrower will pay back his credit.

CHF 1'000.- to CHF 5'000.-. The first time just CHF 2'000.- are available.

Our SME loans have the following advantages:
- Lowest interest rates, already starting at 2.5%
- You can complete your credit application in just 30 minutes
- Get a credit request decision within 48 hours
- 100% online, from the credit request to the pay-out
- Fair and transparent fees

Our personal loans have the following advantages:
- Lowest interest rates, already starting at 3.9%
- Fill-out your credit application wihthin only ca. 15 minutes
- Get a credit request decisioin within 24 hours
- 100% online, from the credit request to the pay-out
- Fair and transparent fees

The following subjects can get a personal loan:
- At least 20 years old and judicious
- No older that 65 years at the ending date of the credit contract
- Domiciled in Switzerland for at least 6 months
- Owner of a residence permit of the category C or permit B with at least 3 years living in Switzerland
- No entry in the enforcement register for the last three years
- A fix contract of employment and active in this job since at least 3 months

Any company with a hub in Switzerland or Liechtenstein can apply for a credit at Crowd4Cash. To protect our borrowers, we are extremely cautious regarding companies, which exist for less than two years. In that case, we ask for an additional guarantee or other collaterals (e.g. real estate).

The fees are deducted directly and once from the amount paid out. You do not have to pay extra fees (except any reminder fees)

The higher the risk, the higher the interest rate to which investors are willing to invest. Therefore, our interest rates depend on the rating that reflects the borrower's risk. The better the rating, the lower the interest rates.

Yes, with Crowd4Cash you can also insure yourself and your relatives against these risks as a self-employed person. Self-employed persons, who, due to urgent business requirements, have to give up their self-employment or freelance activity are treated in the same way as salaried employees. Details can be found in the product information and the terms and conditions.

In the event of death and in the event of an insurance claim, the entire outstanding loan amount is protected for every borrower. The premium for the whole life insurance is included in the fees

We recommend distribution to multiple loan projects to achieve your portfolio effect. In this way, the investor achieves the highest possible risk diversification. Despite all the hedging measures, a loan default can occur and the recovery of the loan can be unsuccessful. By distributing it to as many individual projects as possible, a downgrade is less important and, in this case too, makes it possible for the investor to achieve an attractive return.

At least until the 28th of the month, maximum 3 installments (payable until the 28th of the month)

You can apply for a credit in subscribing at Crowd4Cash easily, fill in the necessary data fields online and upload the required documents. We will then check your documents and inform you about our credit decision within 48 for company loans.

You can apply for a credit in subscribing at Crowd4Cash easily, fill-in the necessary data fields online and upload the required documents. We will then check your documents and inform you about our credit decision within 24 hours for personal loans.

Crowd4Cash offers an easy application process with exact descriptions of every step, which are easy to follow. Within a few clicks you will receive an unbinding proposal for a credit according to your requirements. Crowd4Cash examines your financial situation and asks you to amend the requested amount (credit or rate) if necessary. Therefore, we need the following data:
- Your personal data
- Copy of your passport/ID and a foreign resident's permit (if applicable)
- Extract from the Debt Enforcement Office (not older than 3 months)
- Wage statement of the last three months
- Rental agreement/ mortgage agreement
- Health insurance premiums (premium statement)
- "Selfie"
- Identification payment in the amount of CHF 5.00

Supplementary document in case of debt conversion:
- Copy of the current credit agreement

If the financial validation was successful Crowd4Cash publishes the credit project on its website for investors to finance it. If an investor is found, Crowd4Cash sends the necessary documents digital. As soon as Crowd4Cash has received your signed documents and 14 days waiting period has passed, Crowd4Cash transfers the credit amount to the borrower's account.

Crowd4Cash offers an easy application process with exact descriptions of every step, which are easy to follow. Within a few clicks, you will receive an unbinding proposal for a credit according to your requirements. Crowd4Cash examines your financial situation and asks you to amends the requested amount (credit or rate) if necessary. Therefore, we need the following data:
- Your function within the enterprise and a copy of both sides of your passport/ID (Employee)
- Required data concerning your company
- Copies of the balance sheet and income statement (cash flow statement, if available) of the last two business years
- Extract from the Debt Enforcement Office (not older than 3 months)
- A selfie showing your face (employee)
- An identification payment to our account in the amount of CHF 5.00

As soon as we have completed the check of your documents and confirm to publish your project on our platform, we will do so and the project will be viewable to investors and ready to be financed. As soon as the bidding period is finalized successfully, we will send you the necessary contract documents electronically. From the day you and your lenders have all uploaded the signed contracts and the statutory waiting period of 7 days has passed, we will transfer your credit amount (excluding user fees for Crowd4Cash) to your bank account.

No, this is not possible due to the short term.

If you do not pay in installments in due time, you will be in default from the following day without a reminder. For the duration of the default, the borrower has to pay interest on the outstanding amount in the amount of the agreed effective annual interest. Crowd4Cash charges the defaulting borrower an expense-related reminder fee for the activities caused by the delay (according to the Terms of Use)

The Swiss money laundry law stipulates an identification. By following this order, we comply with the requirements of the FINMA.

The Swiss money laundry law stipulates an identification. By following this order, we comply to the requirements of the FINMA.

Crowd4Cash checks the borrowing power of the borrower in connection to the application process because of the following reasons:
- Protection of the borrower form excessive indebtedness, according to the consumer credit law
- Guarantee of a fair and risk-weighted interest rate by the credit rating
- Decrease of the risk of loss for the investor.

For the following reasons, Crowd4Cash evaluates your company's creditworthiness during the application process:
- To calculate the economic viability of the credit
- To ensure a fair and risk-weighted interest rate, thanks to our credit rating
- To protect the investor from potential losses

The fees depend on the duration and the amount, but there is a minimum fee of CHF 60.- per loan. The platform fee is deducted once from the loan amount. Additional fees will not be charged by Crowd4Cash.

After your complete registration (including provision of the necessary documents), it takes a maximum of 24 hours for personal loans until we have checked your application. As soon as we approve the application, your request for credit will be published on our platform with the desired features. After a successful bidding phase, you and the lenders will be provided with the contracts electronically for signing. As soon as we have confirmed the contracts with you and the investor and have received the investment from the investor, the money will be paid out to your personal bank account or postal account the following day.

The smallest investment amount for borrowers of personal loans and SME credits is CHF 5'000.- at Crowd4Cash.

The smallest investment amount for borrowers of personal loans and SME credits is CHF 5'000.- at Crowd4Cash.

If you already have one or multiple credits running, but you see, that you would pay a lower interest rate at Crowd4Cash, you can pay-off your current debts thanks to a cheaper loan at Crowd4Cash.

If you already have one or multiple credits running, but you see, that you would pay a lower interest rate at Crowd4Cash, you can pay off your current debts thanks to a cheaper loan at Crowd4Cash.

If your loan is not fully funded in the first tendering phase, the project can be extended if desired.

A debt restructuring can be done by a private individual or an SME. Therefore, you have to register as borrower and upload the documents demanded, including a copy of your current credit agreement(s). As soon as we have checked your documents, it will be a pleasure for us, to present your restructuring wish on our platform. After the successful biding-process, you can begin profiting from our rates.

A debt restructuring can be done by a private individual or a SME. Therefore, you have to register as borrower and upload the documents demanded, including a copy of your current credit agreement(s). As soon as we have checked your documents, it will be a pleasure for us, to present your restructuring wish on our platform. After the successful biding-process, you can begin profiting from our rates.

After your complete registration (incl. provision of the required documents), it will take us 24 hours at most for personal loans and 48 hours at most for SME loans, until will have checked your credit application. As soon as we approve your request, the desired credit project will be published on our platform with the specific properties chosen by you. The bid period can vary from 3 to 28 days. After a successful conclusion of the auction, you and your lenders will be provided with the necessary contracts, electronical. As soon as we receive the signed contracts, the credit amount will be paid out after a waiting period of 7 days (for SMEs), respectively a statutory revocation period of 14 days (for private individuals), according to the consumer credit law. The sum will be transferred to your personal bank- or post office account.

After your complete registration (incl. provision of the required documents), it will take us 24 hours at most for personal loans and 48 hours at most for SME loans, until will have checked your credit application. As soon as we approve your request, the desired credit project will be published on our platform with the specific properties chosen by you. The bid period can vary from 3 to 28 days. After a successful conclusion of the auction, you and your lenders will be provided with the necessary contracts, electronically. As soon as we receive the signed contracts, the credit amount will be paid out after a waiting period of 7 days (for SMEs), respectively a statutory revocation period of 14 days (for private individuals), according to the consumer credit law. The sum will be transferred to your personal bank- or post office account.

The credit amortisation takes place in monthly, equal rates, based on the annuity method. Due to the equal rates, the interest portion is relatively high at the beginning and decreases over the credit run-time in favour of the credit amortisation portion.

The credit amortisation takes place in monthly, equal rates, based on the annuity method. Due to the equal rates, the interest portion is relatively high at the beginning and decreases over the credit run-time in favour of the credit amortisation portion.

The pay-off is due on a monthly basis, at the value date defined by your contract. You will receive a QR payment slip and please take this to pay your monthly instalment. If you don't receive the invoice, please contact us.

The payment shall be transcribed to (Postfinance account): Crowd Solutions AG, Bellevueweg 42, 6300 Zug, IBAN: CH53 0900 0000 8046 5716 3

The pay-off is due on a monthly basis, at the value date defined by your contract. The payment shall be transcribed to (Postfinance account): Crowd Solutions AG, Bellevueweg 42, 6300 Zug, IBAN: CH53 0900 0000 8046 5716 3

If an instalment is left unpaid at the value date, default charges based on the agreed-upon interest rate of the loan will be raised as on the first day of delay. Crowd4Cash will raise charges for the additional effort, according to our general terms and conditions.

If an instalment is left unpaid at the value date, default charges based on the agreed upon interest rate of the loan will be raised as at the first day of delay. Crowd4Cash will raise charges for the additional effort, according to our general terms and conditions.

Yes, the credit can be paid back fully at any time, but the borrower has to inform Crowd4Cash in advance.

Yes, the credit can be paid back fully at any time, but the borrower has to inform Crowd4Cash in advance.

- Registration and bookkeeping
- Creation, validation and publication of credit projects
- General questions and enquiries

The following services are for free for private borrowers:
- Registration and bookkeeping
- Creation, validation and publication of credit projects
- General questions and enquiries

Borrowers pay an annual fee of 0.80% of the gross credit amount. This fee is raised after a successful auction and will be deducted for the whole credit run-time at the beginning. For a credit amount of CHF 10'000, with a run-time of 36 months, the charges are CHF 80 per year. So, the accumulated fees will be CHF 240. The borrower will receive a net credit payment of CHF 9'760.

Borrowers pay an annual fee of 0.80% of the gross credit amount. This fee is raised after a successful auction and will be deducted for the whole credit run-time at the beginning. For a credit amount of CHF 10'000, with a run-time of 36 months, the charges are CHF 70 per year. So, the accumulated fees will be CHF 240. The borrower will receive a net credit payment of CHF 9'760.

The fees will be deducted from the credit amount at the beginning of the run-time, automatically. You will not have to pay any additional charges.

The fees will be deducted from the credit amount at the beginning of the run-time, automatically. You will not have to pay any additional charges.

If your credit wish doesn't comply with our requirements, you can either prolongate the run-time or scale down the credit amount - simply fair! It has to be noted, that we have to check the prescribed ability of the borrower, of theoretically being able to pay back the whole credit amount within a period of 36 months, as by law.

If your credit wish doesn't comply with our requirements, you can either prolongate the run-time or scale down the credit amount - simply fair!

No, there aren't any insurances for companies.

Yes, the outstanding credit amount of every borrower (only private individuals), is insured in case of death of the borrower. The insurance in case of death is already included in the platform fees.

No "real life" names will ever be published.

No "real life" names will ever be published.

Attempted fraud will always be reported to the authorities.

Attempted fraud will always be reported to the authorities.

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