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The Cashare Rating

Learn how our rating system works

Rating System

Discover what our detailed rating reveals about credit risk

Cashare has developed a proprietary credit scoring technology that leverages big data, artificial intelligence, and machine learning algorithms to deliver fast and efficient credit solutions for our customers.

Each loan application goes through our rigorous risk assessment system and is evaluated against hundreds of data points, based on Cashare’s historical database. We use direct API connections to multiple external payment and government databases to enrich our overall credit evaluation. This allows us to assess credit applications faster and determine credit risks with greater precision than traditional systems.

Our Rating
Creates Transparency

Each loan receives a risk rating from A (low risk/low return) to F (higher risk/higher return). Loans from a rating of C are admitted for investment.

The role of Cashare as a P2P lending platform provider is to bring people together. It facilitates mediation between borrowers and investors and provides the platform as a communication channel. As an investor, you can freely select your loan projects and invest a portion of the sought loan amount. Thus, the investment can be diversified across many different borrowers. There are no hidden fees, but appealing returns. A thorough risk assessment of the borrowers provides additional security.

Collateral

On Cashare, loans can also be secured by the borrower with additional collateral. These include:

Mortgage as collateral

Guarantee

The additional collateral is specified in each loan project. In the event of a payment default, the collateral is liquidated to ensure a quick recovery of funds. The collateral is already factored into the rating.

Our Advantages

Experience - Security
Efficiency - Technology

With innovation and responsibility, we provide cost-effective solutions for borrowers and investors. Borrower and Investors.

About Us

Founded in 2008 as the first Swiss crowdlending platform, Cashare has established itself as a leading provider of innovative financing solutions. With over 60,000 customers and CHF 2.5 billion in verified loan applications, Cashare offers proven and secure financial solutions.

Transparent & Efficient Processes

Cashare stands for clear, fair, and transparent processes. Whether for borrowers or investors, all steps are structured without hidden fees or surprises.Users can make informed financial decisions thanks to real-time updates and detailed analyses.

Flexible and Transparent Financial Solutions for Borrowers & Investors

Cashare connects borrowers with investors, offering a fair alternative to banks.Borrowers benefit from flexible terms, attractive interest rates, and quick processing, while investors gain access to appealing returns and a diversified investment strategy.

Attractive Returns for Investors

Investors benefit from attractive returnsthat optimally complement traditional investment forms in a portfolio, especially as an extension in the fixed-income sector..

Security Through Intelligent Risk Management

Optimize your portfolio with our customized investment solutions for institutional investors. Benefit from strong risk management and professional handling at every stage.

Sustainable Financial Solutions

Cashare connects borrowers and investors to form a strong financial community. Through crowdlending, financial independence is promoted, and small businesses that otherwise would not have accessto fair financing opportunities are supported.

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Investors

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Legal matters

The Cashare database is registered with the Federal Data Protection and Information Commissioner (FDPIC).

 

Cashare is a member of the SRO Polyreg and an authorized financial intermediary within the meaning of Article 2, paragraph 3ff of the Swiss Anti-Money Laundering Act. Cashare was granted a license to grant consumer loans by the Directorate Secretariat of the National Economic Directorate of the Canton of Zug.