Contracts 
LEND.ch is a Swiss peer-to-peer (P2P) crowdlending platform that cuts banks out of the lending equation entirely, directly connecting borrowers with private investors.
On lend.ch, banks are eliminated from the supply chain and borrowers and investors are connected directly - resulting in lower interest rates for borrowers and higher returns for investors.
LEND arranges loans directly between individuals in a straightforward and efficient way. Its overhead costs are substantially lower than those of a bank, and these savings are passed on to both borrowers and investors. LEND is completely fee-financed and has no interest in offering high-interest loans.
Founded as a registered financial intermediary and a service of Zurich-based Switzerlend AG, LEND aims to modernize the consumer lending market. Traditional banks dominate the Swiss consumer lending market with an annual volume of CHF 4 billion — LEND positions itself as the fair, technology-driven alternative.
In terms of loan types, the platform transacts private and SME loans and mortgages, helping investors finance borrowers directly and create a diversified portfolio by investing small amounts across multiple loans.
For investors, users can invest from CHF 500 per project and build their own portfolio according to their risk appetite. LEND also offers a "Robo" feature that automatically builds a diversified portfolio and reinvests capital repayments based on criteria set by the investor.
For borrowers, the entire process is quick, easy, and completed fully online — with no need to visit a bank branch. LEND assigns individual credit scores based on information from the borrower and third-party providers, mapping each borrower to risk categories A through D with corresponding interest rate ranges.
In short, LEND.ch is a fintech platform democratizing access to fair lending and investing in Switzerland — without the need for traditional banks.
