The feature positions CapiWell as one of the few Swiss fintech firms that have identified not only a commercial opportunity but also a structural deficiency in the way private capital circulates in the country.
A publication that signals credibility
Finanz und Wirtschaft (FuW) is one of Switzerland’s most respected voices in economic and financial analysis. Since 1928 it has offered in-depth reporting on markets, companies and economic policy and is regarded by private investors, family offices and institutional professionals as a reference for informed judgment. Its Game Changers supplement is a curated selection of businesses and models that the editorial team considers to be shifting expectations within their fields. Inclusion in this section is therefore not a matter of corporate visibility but an editorial evaluation of potential impact.
A fragmented market looking for structure
The FuW feature begins by outlining what many in the financial industry acknowledge privately. Switzerland possesses capital, technological capabilities and a culture of precision, yet its private capital market operates as a set of separate channels rather than a coherent system. Real estate participations, SME loans, growth stage venture equity, consumer credit and university spin offs follow their own documentation logic and interpret disclosure in separate ways. These differences create a market that lacks comparability and is difficult for investors to navigate. The result is inefficiency, unnecessary duplication of work and a discouraged borrower gap where viable SMEs avoid formal financing because the process is too slow and administratively heavy. The unmet capital demand among Swiss SMEs is estimated at around forty billion Swiss francs.
It is within this structural disorder that CapiWell has found its purpose. Instead of attempting to compete within a single asset class, the platform proposes an architecture that allows several types of private capital to be processed with the same logic and sequence. FuW describes this as the missing infrastructure of a peer to peer private capital market that has long relied on habits, PDF dossiers and parallel processes.
Why CapiWell stands out
FuW highlights CapiWell because it addresses a problem that has rarely been confronted directly. Switzerland has no shortage of capital. It has a shortage of connection between capital and opportunity. The market’s fragmentation forces issuers to prepare multiple versions of the same information for different audiences and requires investors to interpret each asset class through a different workflow. CapiWell distinguishes itself by recognising that the true obstacle is not risk appetite. It is the absence of a shared decision structure.
The platform’s defining element is its TrustBridge model. FuW describes it as an organising layer that standardises disclosure, risk context and sustainability indicators across asset classes. A real estate SPV requires evidence about property structure and cash flow logic. A secured SME loan requires documentation of collateral and repayment capacity. A university spin off requires clarity on governance and intellectual property. Today these requirements are presented in unrelated formats. TrustBridge integrates them into structured, reusable templates that follow the same order for every opportunity. Users in early testing made decisions faster and needed fewer clarifications because information was presented in a way that could be read without decoding.
CapiWell does not simplify the underlying financial structures. It makes them comparable. Five asset classes that previously operated in isolation now follow a unified sequence from context to structure to verified figures. A Zurich professional could invest in real estate participations, a growth stage venture and an SME loan within the same environment without repeating onboarding or adapting to different formats. Issuers benefit in the same way. One coherent dossier can be prepared rather than multiple variations shaped for different recipients. FuW points to this as a practical shift, not a theoretical one. Review cycles shorten and documentation becomes traceable rather than repetitive.
Regulatory integration is another factor that sets the platform apart. Anti money laundering supervision through the SRO SO FIT, standardised SPV templates for real estate, suitable wrappers for other asset classes and a full audit trail are incorporated into the process from the start. FuW links this precision to the background of founder Monty Hachem, whose experience in regulated industries such as telecommunications, fintech and digital banking has shaped a preference for systems where diligence is embedded in the foundation instead of added late.
Timing also matters. International platforms are monitoring Switzerland because its investors and issuers value procedural rigour and transparent decision logic. FuW notes that whoever sets credible standards early for disclosure and process quality will influence expectations before foreign models define the benchmark. CapiWell positions itself to become that first mover. The platform is not merely digitising access to private capital. It is formalising a structure that can align investors and issuers with a shared understanding of how decisions should be made. If successful, CapiWell could turn a silent part of Switzerland’s capital market into an accessible and comparable environment.
The path ahead
FuW concludes on a pragmatic note. Whether the platform becomes a reference for Switzerland’s private capital market will depend on the quality of its first opportunities, the consistency of its TrustBridge model and the reliability of its compliance and matching logic. If these elements hold, a portion of the country’s unmet capital demand may finally become visible and accessible. Investors and issuers would no longer meet by coincidence but through a shared and verifiable structure.
CapiWell is preparing its operational launch for January 2026. Partners, investors and fundraisers can already join the platform’s growing community at www.CapiWell.ch
Read the full article about CapiWell here.
