We aim to differentiate ourselves through a distinctive and transparent pricing strategy.
Our analysis indicates that many Swiss investment platforms lack clarity in their pricing models – often driven primarily by underlying risk, with limited visibility into how fees are structured.
Given that our platform consolidates multiple types of investment opportunities under one umbrella, our objective is to establish a straightforward and transparent pricing framework.
This approach is designed to be easily understood by all participants – investors and issuers alike – and applicable across all segments of the crowdinvesting landscape.
Our Investment Product Types and Associated Risk Levels
We offer three main categories of investment products, each designed to suit different investor profiles and risk appetites:
Secured Debt Instruments
SME loans secured by real estate mortgages, and investments in real estate projects via equity stakes.
Included Products:
- SME Loans backed by mortgage (real estate)
- Investment in residential/commercial real estate via company equity
- SME equity in growth-stage companies with share pledge
Partially Secured Consumer Credit
Private loans backed by optional insurance covering death or incapacity to work.
Included Products:
- Private Loans with optional insurance
Unsecured or High-Risk Capital
SME loans without collateral and early-stage innovation fundraising, including university-linked deals.
Included Products:
- Unsecured SME Loans
Underlying Security/Collateral
Real estate mortgage or company shares in real estate SPVs
- Real estate-backed loans
- Equity participation with asset backing
- Shares as security
Optional insurance policy
- Real estate-backed loans
- Equity participation with asset backing
- Shares as security
No tangible collateral / high innovation risk
- Real estate-backed loans
- Equity participation with asset backing
- Shares as security
These products are carefully structured based on the nature of the underlying asset, collateral, and stage of the investment.
We use this classification to drive our pricing strategy.
At the initial stage, the price list is made available exclusively to authorised users and is communicated on an individual basis.
Pricing Strategy Based on risk Profile applied to an interest rate based on risk as well.
| Product Type | Risk Profile | Borrower Side Costs | Investor Side Costs (Fees Deducted from Repayments – portfolio-based reductions) |
|---|---|---|---|
| Secured Debt Instruments | Low Risk | 1% | 1% |
| Partially Secured Consumer Credit | Moderate Risk | 1.25% | 1.25% |
| Unsecured or High-Risk Capital | High Risk | 4.5% | 2% |
