Investment procedure

Can I register as a company?

Yes, you can register as a company.

What interest rates can be expected?

Depending on the project and risk class - interest rates can go from 2% up to 15%.

Can I only invest in Swiss francs?

We're home to investors from all over the world and accept all major international currencies.

Which data do I have to provide in order to register on Acredius as an investor?

Investors must provide their first name, surname, address, nationality and date of birth when registering on Acredius. Some additional information may be needed depending on the type of investor you are. For example, if you are the legal representative of an investor, you will have to upload a procuration. In order to invest, you must provide identification documents, i.e. your ID and bank account details.

Can I resell my purchased loan claims to other investors?

Acredius does not have a secondary market. As an investor, your contract is with Acredius AG, and loan claims cannot be sold to third parties.

Is negotiation between borrowers and investors possible?

Since there is no direct contact between borrowers and investors, there can be no negotiations or bargaining between the parties.

What if I change my mind and I want to withdraw my loan claim purchases?

Unfortunately, this is not possible as the platform functions on a “first in first out” basis. We are currently working on creating a secondary market that will allow you to sell your tickets to other investors.

How frequently do I receive interest payments?

Investors receive principal and interest payments on a monthly basis, beginning one month after the borrower has received the funding.

What is the procedure after agreeing to purchase loan claims?

The investment period during which loan claims may be purchased generally lasts 30 calendar days and may be extended. Three scenarios can occur at the end of the investment period: 1) 100% of loan claims have been purchased: Financing is approved, and investors have 10 days to supply the agreed funds. The investment period may be shorter than 30 days if 100% of the loan amount is reached sooner. 2) 80-99% of loan claims have been purchased: The borrower may decide whether to accept or decline partial funding. If the borrower accepts, investors have 10 days to supply the funds. 3) Less than 80% of loan claims have been purchased: Depending on the project, Acredius may allow the borrower to choose whether to extend the investment period or stop the loan request. In the latter case, the borrower receives no funding and the investors who are ready to purchase the loan claims will be informed about the non-success of the project.

Who are the parties in the investment contract?

The investment agreement is a legally binding contract between you and TMF Group, our banking partner and bankruptcy remote structure.