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    Private Investors

    How to become an investor at Cashare and much more

    • Personal Loan
    • SME Loan
    • Real Estate Loan
    • Private Investors
    • Institutional Investors
    • Cashare & Crowdlending
    • Personal Loan
    • SME Loan
    • Real Estate Loan
    • Private Investors
    • Institutional Investors
    • Cashare & Crowdlending
    1. Cashare - Support
    2. Private Investors

    This is Crowdlending

    • What is crowd-lending or social lending, respectively a P2P- or peer-to-peer credit?
    • What service does Cashare provide?
    • Why should I lend money to other individuals via Cashare?
    • What are the advantages for loaners at Cashare?
    • What is Cashare?
    • Who is Cashare?
    See all 13 articles

    First Steps

    • Instructions for registration, verification and personal identification
    • The most important information for a successful start at Cashare

    Registration

    • Where can I register? How can I view current loan projects?
    • Why is my email getting verified after the registration?
    • How can I stay anonymous on the platform?
    • Can anyone see that I am on the platform?
    • Why do I need to personally identify myself?
    • How can I personally identify myself?
    See all 9 articles

    Rating, Risk, Return

    • How do I interpret the Cashare-Rating?
    • What is the connection between risk and return?
    • What does diversification mean?
    • Where does Cashare get its information on the creditworthiness?
    • Can anyone get a loan on the Cashare platform?
    • What does the payment protection insurance against incapacity for work and unemployment cover if such an insurance was taken out?
    See all 8 articles

    Investir

    • How can I invest?
    • What are the minimum requirements in order to be able to bid in Cashare credit projects?
    • What is the minimum amount for an investment?
    • What is the difference between a SME short term loan and a SME-loan?
    • How does the autoinvest help?
    • Can I recall a bid?
    See all 13 articles

    Auto-Invest

    • What is Auto-Invest and how does it work?
    • What is the difference between personal choice and Auto-Invest?
    • Can multiple Auto-Invest portfolios be created?
    • How can I adjust the portfolio?
    • Can I additionally still invest manually in loans?
    • How does the Auto-Invest function put my portfolio together?
    See all 14 articles

    Secondary market

    • Which loans can I offer on the secondary market?
    • Why can I not sell short-term SME loans on the secondary market?
    • What does the entry discount/premium mean?
    • Where do I see the return on the loan offered?
    • How can I buy a loan on the secondary market?
    • What is the difference between the remaining amount and the purchase price of a loan?
    See all 8 articles

    Deposit

    • How and when do I as loaner have to transfer the loan amount?
    • How can direct debit be activated?
    • Can I get my bills electronically (ebills)?

    Repayment

    • How and when do I obtain my returns?
    • How are the repayments transferred?
    • Where can I monitor the repayment of the individual loan agreements?
    • Can I directly reinvest my returns?

    Cashare-Account

    • How can I access the Cashare Platform?
    • Where can I change my password?
    • Where can I change my username?
    • Where can I change my email address?
    • Do I get a tax statement from Cashare?
    • What is the XIRR?
    See all 13 articles

    Recovery

    • What is the interest on arrears?
    • What happens in case of late payment of an instalment?
    • The foreclosure has been initiated. What now?
    • Debtor lodged objection with the debt collection office (DCO). What now?
    • The court order dismissing the objection has been procured, what now?
    • Certificate of seizure has been obtained, what's next?
    See all 17 articles

    Fees

    • How much is the platform fee?
    • How is the platform fee calculated?

    Frequently asked questions

    • How can I apply for a loan?

      Our motto is: simple and fast. Accordingly, you can place your application directly on our website by following this link https://www.cashare.ch/en/personal_loan.html. First, choose your loan amount and term. Next we will need some information on your borrowing capacity and information for your auction. Your borrowing capacity is then automatically assessed. If it does not succeed, you have the chance to lower the requested amount or prolong the repayment period. If the check succeeds, then you simply need to send us the application with a simple click and we will take care of the rest. Please also make sure to confirm your Email address. We will send you an Email for that purpose, simply click on the button "activate account" in the Email.

    • Why do I need to personally identify myself

      The personal identification creates a high level of safety for all parties involved and satisfies the legal requirements of the money laundering act.

    • How can I personally identify myself?

      For your personal identification you have the following 2 possibilities:

      1. You can transfer CHF 5.00 from your own bank account to the account of Cashare. (Please use the account information provided below. Do not use any reference number and execute the payment from your e-banking. A payment at the counter via payment slip cannot be accepted for a personal identification.)

      2. Visit a postal office with your ID-Card, your passport or residency permit. The postal employees will perform a "yellow identification" (https://www.post.ch/en/business- solutions/identification/yellow-identification), make a copy of your ID and confirm the validity (non-recuring cost of the Post CHF 25.00). Many municipalities, SBB Change /Western Union, notaries and mobilezone shops also offer this service. Please send the original of the certified copy to cashare.

      Postal Address:
      Cashare AG
      Bösch 73
      6331 Hünenberg
      Cashare bank details:
      PostFinance account in the name of Cashare AG
      IBAN: CH06 0900 0000 6076 2123 0
      BIC: POFICHBEXXX

    • How much is the platform fee?

      The platform fee is 0.75 % of the outstanding loan amount according to the annuity. Further avoidable fees can be found in our fee schedule: https://www.cashare.ch/en/borrower_fees.html.

    • What are the costs associated with a loan application?

      The loan application is free of charge. Only after the loan has been financed the fee of 0.75% p.a. is due. The minimum fee for private loans is CHF 75.00

    • Where can I upload the necessary documents?

      You can upload the documents here: https://www.cashare.ch/en/mycashare/document. There you can also see, if the sent documents have already been accepted.

    • What happens in case of late payment of an instalment?

      In case of late payment the dunning process (pre-legal collection) starts immediately. The dunning process as well as the legal collection process i.e. the foreclosure are initiated and managed by Cashare.

      Reminders and warnings are sent according to the following schedule:
      Payment reminder after 5 days
      1. Warning after 10 days
      2. Warning after 20 days
      3. Final warning after 30 days

      Between the second and the third warning we try to get in contact with the loanee and try to solve the problem directly. It can happen, especially for the payment of the first installment, that not everything is clear to the borrower or that the standing order has simply been forgotten. Most of the time things are cleared up after the first payment and the installments are paid on time. As soon as the final warning is sent you are informed about our next steps. The final warning usually has a payment term of 10 days. If no payment is made during that time the legal collection process (foreclosure) is initiated.

    Haven’t found the answer?

    Our team is only one e-mail away and will be happy to help

    Delia Aellen
    Delia Aellen

    Head of Operations

    Natali Kopacevic
    Natali Kopacevic

    Customer Experience

    Titus Spirig
    Titus Spirig

    Real Estate Specialist

    Michael Boge
    Michael Boge

    CFO

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    Contact us

    Cashare AG
    Bösch 73
    6331 Hünenberg
    Switzerland

    +41 41 558 48 88

    support(at)cashare.ch