Feeling the need –
the Acredius story

The idea for Acredius originated when Ghassen felt a need. Initially, not for himself, but for the business angels and investors he dealt with in his previous job. At the time, as an engineer and actuary, he was dealing with invoice financing and risk management. He realised that his clients were making many business decisions based on instincts and educated guesses rather than validated data. Likewise, the investors were not fully informed about the risks associated with their investments.

Ghassen has always been an entrepreneur at heart. He formed this idea of building a tool that would inform investors about the creditworthiness of businesses using non-traditional data such as social media profiles, online presences and customer reviews. However, he soon found that access to microfinance or small loans is a significant hurdle in Switzerland, even – or especially – when it’s for developing a new and innovative tool. The banking system appeared inordinately complicated and almost inaccessible. It seemed that Ghassen’s idea was not going to get off the ground …

But then he met Tareck!

A strategic consultant, and also an enthusiastic and forward-looking investor – together, they realised that there were actually two needs that could be addressed by the same solution: a platform to connect people needing finance for their new ideas and investors wanting to diversify theirs portfolios in the most straightforward way possible. And that’s when Acredius was born. Together, Ghassen and Tareck founded the company.

But not without Nada. She is the lynchpin that holds the team together and makes it complete. As a compliance expert, Acredius benefits from her extensive experience in legal questions and her administration skills.

All three strongly believe that making investment easier for investors and funds more accessible to people with good business ideas is one of the best ways of creating and maintaining a sustainable and thriving economy.

Meet the team

Passion for growth, finance and technology unites the Acredius team. 

Our team consists of experienced and highly educated professionals with diverse backgrounds and experience in scaling and selling successful companies. Meet us!


Ghassen Benhadjsalah

Co-Founder & CEO

Tareck Raafat

Co-Founder & Strategic Coach

Nada Chebli

Co-Founder &
Client Relationship Manager

Thomas Hentz


Anna Raafat

Growth Strategy Lead

Ilyes Karoui

Data Science Lead

Marisa Malhotra

Content Lead & Investor Relations Representative

Safa El Heni

Digital Marketing Lead

Anna Esempio

Investor Relations Lead

Marwa Souissi

Sales Support Representative

Sabry Zouari

Senior Consultant

Ghada Jouini

Data Scientist

Tharoua Mennai


Oumema Ferchichi

Credit Risk Analyst

Omar Gargouri

Investment and Risk Analyst

Youssef Ben Salem

BI Consultant

Marwa Jemai

Office Coordinator & Team Assistant

Partners and Network

TMF: Partner

Swiss Crowdfunding Association: Member

Swiss Finance + Technology Association: Member

Swiss Marketplace Lending Association: Member

PolyReg: Regulator

NetComm Suisse: Member

Westhive: Member

Kellerhals Carrard: Partner

Swiss Finance Startups: Member

Swiss Startup Association: Member