The maximum number of lenders per borrower is 20 persons. Here the Swiss Banking Law (BankG) comes into play as otherwise, a borrower would have to have a banking license.
If the limit of 20 lenders is reached, only already existing borrowers can submit a request. The mechanism computes the minimum amount automatically per lender on the basis of this rule. The minimum amount can get reduced during the course of the auction, if the preceding offers were above the minimum. If a small loan amount is not possible at present, it would be worthwhile to visit the auction later again.