Our business model

Can I register as a company?

Yes, you can register as a company.

Do you have a buyback guarantee?

We do not have a buyback guarantee. However, we use a reliable partner to ensure loan servicing. TMF Group is a global player and is taking care of our payments and repayments. We use TMF as a bankruptcy-remote structure, i.e. In the unfortunate case of Acredius bankruptcy, the loans and repayments will continue going forward by our partner. The money is not on the balance sheet of Acredius.

Are you a licensed EMI and investment broker?

At Acredius, we use a reliable partner to ensure loan servicing. TMF Group is a global player and is taking care of our payments and repayments. The money is not on Acredius' balance sheet. We use TMF as a bankruptcy-remote structure, i.e. should Acredius go bankrupt, the loans and repayments will continue to go forward by TMF, our banking partner. Additionally, as a Swiss company, we are regulated by FINMA as a financial intermediary, by being a member of the SRO Polyreg.

How do you underwrite the projects?

The co-founder and CEO of Acredius, Ghassen, is an actuary & data scientist and is leading the underwriting department. We use a 3 pillar approach to assess the creditworthiness of each business. 1) We look at the financial figures of the business, and we evaluate its eligibility and risk level. 2) We look at the creditworthiness of main shareholders and the business using external credit bureaus information (CRIF and D&B). 3) Finally, using our machine learning capabilities, we evaluate the business using alternative data sources like the digital footprint, social media profiles, awards won and customer reviews. Our data-driven approach allows us to build a reliable internal scorecard that is providing high accuracy.

Can I only invest in Swiss francs?

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

What does P2B mean?

P2B is the term used for peer-to-business. A method of debt financing that allows individuals like yourself to lend money to business projects without having to go to a formal financial institution.