FAQ's by Category

- 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

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

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).

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.

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.

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

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 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.

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.

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 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.

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

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.

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.

No "real life" names will ever be published.

Attempted fraud will always be reported to the authorities.