How it works – Acredius’ Intelligent Analysis

Better business opportunities are recognisable through trust signals. Acredius measures and analyses the factors that lead to success – such as positive customer reviews, awards won, and social media scoring. So you need just three easy steps to your loan.

1. Tell us what you need

Enter the amount you want to borrow and the number of instalments. You’ll receive an initial estimate of interest rate and monthly repayments instantly.

2. Introduce your business

Tell us about your business and project or idea. You decide which information to enter, but remember: the more we know about your venture, the more accurate the risk class and the fairer the interest rate. Provide a clear pitch to increase likelihood of financing and gain even more favourable conditions.

3. Shine!

Convince our investors that what you are planning is worth investing in! The clearer the picture for our investors, the more likely it is that your project will get financed.

Then what happens?

You’ll see your risk class and proposed interest rate. Approve these, and your project goes live directly.

 

Investors will see the details of your project, including risk class and interest rate. While the overview of your project is visible on the Acredius website, registered investors have a detailed view and can invest immediately by acquiring loan claims.

 

You might have the first loan claims affirmed within minutes of going live!

Scenarios for growth

Whether you’re a start-up or an established business, there are times when you need a financial boost.

Acredius is your way to easy liquidity.

Your Start Up

Got a great idea, but not the backing to make it happen?

 

No need to dig out the tie and polish your shoes for a trip to the bank. With Acredius, your application is online, fast, and simple. You won’t need to upload a whole business plan either – unless you want to.

 

  • We accept all start-ups registered as companies – and we don’t ask for a 3 year balance sheet.

  • We take into account test reviews, social media response, awards you’ve won and other non-conventional data.

  • Our solution creates a minimum of fuss and paperwork for a maximum chance of success.

 

Take the headache out of finding the finance with Acredius seed and pre-seed microfinance.

 

Easy liquidity

Waiting for clients to finally settle their invoices? Need to bridge a liquidity gap?

 

You’re in business, but while revenue is coming, right now the account balance is insufficient. You could go to the bank for a short-term loan – but the interest rate is less than inviting. Time to try Acredius.

 

  • Our processing is as quick as your application is simple.

  • You get an instant interest rate offer and there is a high rate of approval.

  • The interest rate we offer is likely to be much lower than what banks can offer.

 

Keep your business afloat with a simple Acredius loan.

Go for growth!

Got big plans that need big money?

 

As an established enterprise, you sometimes need to make investments. But whether you require R&D or a costly machine to ensure future growth, investments cost money. There’s always an inherent risk, which is why the bank may not be as helpful as you’d wish. Test the alternative. Test Acredius.

 

  • On Acredius, a pool of investors is eager to invest, rather than a board seeking to minimise risk.

  • Acredius takes into account much more than your financial position to gauge creditworthiness.

  • Applying for an Acredius loan ties up considerably less resources.

 

Describe your needs to our investors and make your business thrive!

Intelligent Assessment

There are many more indicators of future success than the current balance sheet. Next to some traditional methods to gauge creditworthiness, Acredius analyses non-conventional data such as
social media profiles, customers reviews, awards won and much more.

 

Risk categories are from A+ to D, with A+ the most secure and D the least secure. Projects that fall into category E are rejected.

Comfortable and Digital

Get an instant feel for success with a minimum of fuss. Just type in your answers to our simple questions from the comfort of your own home or office.

 

The process is almost paperless. All you need to do is upload proof of Id. A deal on the Acredius platform takes place without lengthy negotiations, lawyer’s fees or reams of paper.

looking for projects to invest teaser

No hidden costs

Register on Acredius for free.
No identification fee!
Publish your project profile to the Acredius investor pool for free.
A charge of 1% upon successful conclusion of a loan agreement.
The interest rate on your loan is determined by your risk class – which you influence by including all relevant trust signals.

Safe and secure

As a platform and as a company, Acredius is safe, secure and regulated.

Acredius is based in Switzerland and complies with Swiss regulations.

The secure servers we use are located in a bunker in Switzerland. Reliability is ensured.

SSL encryption secures the data sent between the user and the Acredius server. All user account passwords are encrypted.

General questions

FAQ borrowers

FAQ investors

ABOUT ACREDIUS

Who do I contact if I have a question?

Write or call us if you do not find an answer to your query here in the FAQs. We’re happy to help:
Email info(at)acredius.ch
Phone +41 79 797 09 83

ACREDIUS’ BUSINESS MODEL

Is Acredius regulated by the Swiss financial authority?

Acredius is an officially authorized financial intermediary and a member of PolyReg (www.polyreg.ch), the self-regulatory body recognized by the Swiss Federal Money Laundering Control Authority.

What does CRIF do?

CRIF is the leading business information provider for the financial sector in Switzerland. Acredius collaborates with CRIF to increase the accuracy of borrowers’ ratings. Acredius uses CRIF data as one of the variables for the Acredius assessment. For further details on how CRIF works, see the CRIF website.

What does FriendlyScore do?

By selecting to include FriendlyScore, borrowers increase the accuracy of their Acredius credit rating. FriendlyScore is a service that calculates your creditworthiness on the basis of your internet presence, in particular the social media profiles you provide. Acredius collaborates with FriendlyScore to increase the accuracy of borrowers’ ratings. Acredius uses FriendlyScore data as one of the variables for the Acredius assessment.
For further details, see the FriendlyScore website.

INVESTING AND BORROWING WITH ACREDIUS

Is there a minimum and maximum for the loan duration?

The minimum active loan period or duration within which the loan for a project must be fully reimbursed is three months. The maximum loan duration is five years, i.e. 60 months. So any Acredius loan must be fully repaid within 60 months at the latest.

Can I be an investor and a borrower at the same time?

When you register for an Acredius account, you choose between the role of investor or borrower. It is not possible to be both borrower and investor at the same time.

Do I need to create an account in order to invest or borrow on Acredius?

In order to use the Acredius service and platform you must create an account, i.e. register.
Registration is free, fast, and online.
To register as a borrower, enter a loan amount and duration here and click “Get your offer”.
To register as an investor, click here.

Can I delete my Acredius account?

You may delete your Acredius account at any time, provided that no project you are associated with is active.
As a borrower, this means that if you created a project and received financing, the loan duration must be over and the loan must be fully reimbursed before you can delete your account. As an investor, if you invested in a project and have not yet been fully reimbursed, you cannot yet delete your account.

What if my personal details change after I have registered?

Should your details, for example your address, change at any time, please edit your account information accordingly in your profile settings. For legal reasons, your details need to be accurate.
You can also contact us directly:
Email info(at)acredius.ch Phone +41 79 797 09 83

Does an investor obtain voting rights in the company?

Investors do not obtain voting rights in the companies in which they invest. Investors purchase loan claims via Acredius, not stocks or shares, which are reimbursed with interest by the borrowers. Thus investors do not gain equity through Acredius.

ABOUT BORROWERS AND INVESTORS

Who can borrow money through Acredius?

Anyone representing a commercially registered company with company address and bank account in Switzerland or Liechtenstein may register as a borrower on Acredius.

Can I borrow through Acredius as a private person?

Currently private persons cannot register as borrowers on the Acredius platform. To receive a loan via Acredius you must represent a commercially registered company with company address and bank account in Switzerland or Liechtenstein.

Who are the investors on Acredius?

Registration as investor on the Acredius platform is open to commercial companies with offices in Switzerland or Liechtenstein as well as natural persons who are residents of Switzerland or Liechtenstein, at least 18 years old, and hold a bank account in Switzerland or Liechtenstein.
Minors (i.e. persons below 18 years of age) and persons residing outside Switzerland and Liechtenstein are currently excluded from the use of the Acredius platform.

ABOUT THE BORROWING PROCEDURE

Is there a minimum and maximum amount I can borrow?

The smallest loan amount you may apply for is CHF 5’000. The highest amount is CHF 1’000’000.

Can I only borrow in Swiss francs?

At this time Acredius loans must be in Swiss Francs.

Can I start setting up a project on Acredius, interrupt the process, and continue at a later date?

After you set up your Acredius account, you can log out and log back in again any time. You can therefore take all the time you need to complete your loan request.

Can I add another admin to my project?

Currently only one Acredius account, i.e. one single user, may be the administrator of a project. It is not possible to add another user as admin of the same project.

Why do I need to upload my Id when asking for a loan?

In accordance with the Swiss Anti-Money Laundering Act, when a business relationship is established through a financial intermediary such as Acredius, it is the latter’s responsibility to verify the borrower’s identity.

Does Acredius save or hold my social media data?

Acredius does not have access to your social media profiles.
Should you decide to allow FriendlyScore to evaluate your social media profiles, you are doing so subject to their terms and conditions.

What happens if I allow Acredius to see my social media profiles?

Acredius collaborates with FriendlyScore, a UK-based company which calculates a social credit score based on your social media profile(s). FriendlyScore then provides Acredius with this assessment and we incorporate it into the overall Acredius credit rating.
Before showing your social media profile(s) to FriendlyScore, you will be informed about which data they will consider. Typically this concerns your basic profiles (name, profile image, headlines, current positions, tweets, publicly shared information, etc.).
For FriendlyScore privacy details, see FriendlyScore Privacy Policy.

Why would I want to provide more information than mandatory?

The more information you provide, the more accurate your risk assessment will be, which directly affects your interest rate.

What does it cost to register at Acredius?

Registration on the Acredius platform is free of charge.

Who will need to sign the loan agreement contract?

The signee of the loan agreement contract must be an official and legally binding representative of the company named in the loan agreement. The Acredius account holder providing the details of the loan request must be an authorised party or representative of the company, but does not necessarily have to be the signee of the contract.

Who are the parties in the loan contract?

The loan agreement is a legally binding contract between you the borrower and Acredius AG.

Can I pay back my loan earlier than initially agreed? If I do so, do I incur fees?

You may repay the total loan amount and clear the debt in a lump sum including fees and interest at any time with no additional charge.

Can I defer my repayments (for example begin repaying installments six months later than agreed)?

You must repay installments according to the time schedule specified in the loan agreement. For all projects, it is fixed at once a month, starting one month after you have received the investment sum.

Can I personalize my payment schedule (for example choose to repay by quarter or annually)?

The repayment schedule is currently fixed at once a month, starting one month after you have received the investment sum.

What if I change my mind and I want to withdraw my project?

Once your project is fully financed, you cannot withdraw it, since it is binding. However, if you do not gain the financing amount you desire after the first 14 days of the investment period, you have the option to cancel and withdraw your project.

SOLVENCY

What happens if an investor misses the deadline to send the financing?

In case the agreed investment amount does not arrive punctually, Acredius sends a reminder to the investor, setting a deadline for sending the funds. The Acredius team will ensure that all issues related to money transfer are resolved.

ABOUT INVESTORS AND BORROWERS

Who can become an Acredius investor?

Any person at least 18 years of age who is a resident of Switzerland or Liechtenstein and holds a bank account in Switzerland or Liechtenstein may register as investor on the Acredius platform.
Furthermore representatives of companies registered in Switzerland or Liechtenstein may register as investors on Acredius.
Persons residing outside Switzerland or Liechtenstein and companies registered outside Switzerland or Liechtenstein currently cannot use the Acredius platform.
Minors (i.e. persons below 18 years of age) are excluded from the use of the Acredius platform.

Who are the borrowers on Acredius?

Borrowers using the Acredius platform represent companies with commercial register entries and registered offices as well as a bank account in Switzerland or Liechtenstein.

ABOUT THE INVESTMENT PROCEDURE

How can I invest via Acredius?

The overview of recently created and active projects is publicly visible on the Acredius website. This includes project title, risk class, industry, and the desired loan amount, but not the name of the account holder nor the name of the company.
Detailed descriptions of the projects on the Acredius platform are visible only to registered Acredius investors.
After registering on Acredius as investor, you can browse all projects and decide in which project you would like to invest. You may purchase loan claims (called “tickets”) according to the amount you wish to invest. At the end of the investment period (or when 100% of loan claims have been purchased), you must send the loan amount within 10 days.
Repayments with interest begin one month later.

Is there a minimum and maximum amount for my investment?

You may invest a minimum of CHF 200. There is no upper limit to investments via Acredius.

Can I only invest in Swiss francs?

At this time Acredius investments must be in Swiss Francs.

Can I invest in more than one project?

You may invest in an as many projects as you like.

Can I still invest in a project if 100% of loan claims have already been purchased?

Once 100% of the loan claims of a project have been purchased, the project is automatically closed and no further investments are possible.

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

Investors must provide 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.

What does it cost to register at Acredius?

Registration on the Acredius platform is free of charge.

Who are the parties in the investment contract?

The investment agreement is a legally binding contract between you the investor and Acredius AG.

What is the procedure after agreeing to purchase loan claims?

The investment period during which loan claims may be purchased generally lasts 14 calendar days, and may be extended by the borrower.
At the end of the investment period, three scenarios can occur:
1.   100% of loan claims have been purchased:
Financing is approved, and investors have 10 days to supply the agreed funding. The investment period may be shorter than 14 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 funding.
3.   Less than 80% of loan claims have been purchased:
The borrower can choose whether to extend the investment period or to stop the loan request. In the latter case, the borrower receives no funding and the investors ready to purchase the loan claims will be informed about the non-success of the project.

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

Loan claims purchases cannot be withdrawn since they are binding, in accordance with the general terms and conditions of the Acredius platform.

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.

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.

SOLVENCY

What happens if the borrower misses a payment?

Acredius informs investors of any delays in repayment immediately.
In case of default, Acredius sends a reminder via email to the borrower on behalf of the investor, setting a deadline for the repayment.
The Acredius recovery team reaches out to the borrower and will address any late payment issue. If the borrower does not pay within the defined time period, the remaining amount of the loan agreement as well as outstanding interest will be due and payable immediately. For further details, see Delay fees.

If a borrower ceases to be a representative of the company or project and thus becomes invalid, what happens to the project?

In case of a change of status of the borrower, the situation is case dependent. However, since the loan contract is in the company’s name, it is the company’s liability.

DATA SHARING

Is my identity revealed to the borrower?

The identity of the investor is not known to the borrower. As there is no contract between the borrower and investor, no details concerning the investor are revealed to the borrower and vice versa.

Are projects visible to everybody?

Basic information about projects on the Acredius platform (project title, industry, requested loan amount and risk class) is public and visible to non-registered website visitors.
The project as described in detail by the borrower is shown only to registered investors, who may participate in the project by purchasing loan claims.
The identity of the borrower and company name are optional information and do not necessarily have to be shared with registered investors.

General questions

ABOUT ACREDIUS:

Who do I contact if I have a question?

Write or call us if you do not find an answer to your query here in the FAQs. We’re happy to help:
Email info(at)acredius.ch
Phone +41 79 797 09 83

ABOUT ACREDIUS:

Is Acredius regulated by the Swiss financial authority?

Acredius is an officially authorized financial intermediary and a member of PolyReg (www.polyreg.ch), the self-regulatory body recognized by the Swiss Federal Money Laundering Control Authority.

What does CRIF do?

CRIF is the leading business information provider for the financial sector in Switzerland. Acredius collaborates with CRIF to increase the accuracy of borrowers’ ratings. Acredius uses CRIF data as one of the variables for the Acredius assessment. For further details on how CRIF works, see the CRIF website.

What does FriendlyScore do?

By selecting to include FriendlyScore, borrowers increase the accuracy of their Acredius credit rating. FriendlyScore is a service that calculates your creditworthiness on the basis of your internet presence, in particular the social media profiles you provide. Acredius collaborates with FriendlyScore to increase the accuracy of borrowers’ ratings. Acredius uses FriendlyScore data as one of the variables for the Acredius assessment.
For further details, see the FriendlyScore website.

ABOUT ACREDIUS:

Is there a minimum and maximum for the loan duration?

The minimum active loan period or duration within which the loan for a project must be fully reimbursed is three months. The maximum loan duration is five years, i.e. 60 months. So any Acredius loan must be fully repaid within 60 months at the latest.

Can I be an investor and a borrower at the same time?

When you register for an Acredius account, you choose between the role of investor or borrower. It is not possible to be both borrower and investor at the same time.

Do I need to create an account in order to invest or borrow on Acredius?

In order to use the Acredius service and platform you must create an account, i.e. register.
Registration is free, fast, and online.
To register as a borrower, enter a loan amount and duration here and click “Get your offer”.
To register as an investor, click here.

Can I delete my Acredius account?

You may delete your Acredius account at any time, provided that no project you are associated with is active.
As a borrower, this means that if you created a project and received financing, the loan duration must be over and the loan must be fully reimbursed before you can delete your account. As an investor, if you invested in a project and have not yet been fully reimbursed, you cannot yet delete your account.

What if my personal details change after I have registered?

Should your details, for example your address, change at any time, please edit your account information accordingly in your profile settings. For legal reasons, your details need to be accurate.
You can also contact us directly:
Email info(at)acredius.ch Phone +41 79 797 09 83

Does an investor obtain voting rights in the company?

Investors do not obtain voting rights in the companies in which they invest. Investors purchase loan claims via Acredius, not stocks or shares, which are reimbursed with interest by the borrowers. Thus investors do not gain equity through Acredius.

FAQ borrowers

ABOUT ACREDIUS:

Who can borrow money through Acredius?

Anyone representing a commercially registered company with company address and bank account in Switzerland or Liechtenstein may register as a borrower on Acredius.

Can I borrow through Acredius as a private person?

Currently private persons cannot register as borrowers on the Acredius platform. To receive a loan via Acredius you must represent a commercially registered company with company address and bank account in Switzerland or Liechtenstein.

Who are the investors on Acredius?

Registration as investor on the Acredius platform is open to commercial companies with offices in Switzerland or Liechtenstein as well as natural persons who are residents of Switzerland or Liechtenstein, at least 18 years old, and hold a bank account in Switzerland or Liechtenstein.
Minors (i.e. persons below 18 years of age) and persons residing outside Switzerland and Liechtenstein are currently excluded from the use of the Acredius platform.

ABOUT ACREDIUS:

Is there a minimum and maximum amount I can borrow?

The smallest loan amount you may apply for is CHF 5’000. The highest amount is CHF 1’000’000.

Can I only borrow in Swiss francs?

At this time Acredius loans must be in Swiss Francs.

Can I start setting up a project on Acredius, interrupt the process, and continue at a later date?

After you set up your Acredius account, you can log out and log back in again any time. You can therefore take all the time you need to complete your loan request.

Can I add another admin to my project?

Currently only one Acredius account, i.e. one single user, may be the administrator of a project. It is not possible to add another user as admin of the same project.

Why do I need to upload my Id when asking for a loan?

In accordance with the Swiss Anti-Money Laundering Act, when a business relationship is established through a financial intermediary such as Acredius, it is the latter’s responsibility to verify the borrower’s identity.

Does Acredius save or hold my social media data?

Acredius does not have access to your social media profiles.
Should you decide to allow FriendlyScore to evaluate your social media profiles, you are doing so subject to their terms and conditions.

What happens if I allow Acredius to see my social media profiles?

Acredius collaborates with FriendlyScore, a UK-based company which calculates a social credit score based on your social media profile(s). FriendlyScore then provides Acredius with this assessment and we incorporate it into the overall Acredius credit rating.
Before showing your social media profile(s) to FriendlyScore, you will be informed about which data they will consider. Typically this concerns your basic profiles (name, profile image, headlines, current positions, tweets, publicly shared information, etc.).
For FriendlyScore privacy details, see FriendlyScore Privacy Policy.

Why would I want to provide more information than mandatory?

The more information you provide, the more accurate your risk assessment will be, which directly affects your interest rate.

What does it cost to register at Acredius?

Registration on the Acredius platform is free of charge.

Who will need to sign the loan agreement contract?

The signee of the loan agreement contract must be an official and legally binding representative of the company named in the loan agreement. The Acredius account holder providing the details of the loan request must be an authorised party or representative of the company, but does not necessarily have to be the signee of the contract.

Who are the parties in the loan contract?

The loan agreement is a legally binding contract between you the borrower and Acredius AG.

Can I pay back my loan earlier than initially agreed? If I do so, do I incur fees?

You may repay the total loan amount and clear the debt in a lump sum including fees and interest at any time with no additional charge.

Can I defer my repayments (for example begin repaying installments six months later than agreed)?

You must repay installments according to the time schedule specified in the loan agreement. For all projects, it is fixed at once a month, starting one month after you have received the investment sum.

Can I personalize my payment schedule (for example choose to repay by quarter or annually)?

The repayment schedule is currently fixed at once a month, starting one month after you have received the investment sum.

What if I change my mind and I want to withdraw my project?

Once your project is fully financed, you cannot withdraw it, since it is binding. However, if you do not gain the financing amount you desire after the first 14 days of the investment period, you have the option to cancel and withdraw your project.

ABOUT ACREDIUS:

What happens if an investor misses the deadline to send the financing?

In case the agreed investment amount does not arrive punctually, Acredius sends a reminder to the investor, setting a deadline for sending the funds. The Acredius team will ensure that all issues related to money transfer are resolved.

FAQ investors

ABOUT ACREDIUS:

Who can become an Acredius investor?

Any person at least 18 years of age who is a resident of Switzerland or Liechtenstein and holds a bank account in Switzerland or Liechtenstein may register as investor on the Acredius platform.
Furthermore representatives of companies registered in Switzerland or Liechtenstein may register as investors on Acredius.
Persons residing outside Switzerland or Liechtenstein and companies registered outside Switzerland or Liechtenstein currently cannot use the Acredius platform.
Minors (i.e. persons below 18 years of age) are excluded from the use of the Acredius platform.

Who are the borrowers on Acredius?

Borrowers using the Acredius platform represent companies with commercial register entries and registered offices as well as a bank account in Switzerland or Liechtenstein.

ABOUT ACREDIUS:

How can I invest via Acredius?

The overview of recently created and active projects is publicly visible on the Acredius website. This includes project title, risk class, industry, and the desired loan amount, but not the name of the account holder nor the name of the company.
Detailed descriptions of the projects on the Acredius platform are visible only to registered Acredius investors.
After registering on Acredius as investor, you can browse all projects and decide in which project you would like to invest. You may purchase loan claims (called “tickets”) according to the amount you wish to invest. At the end of the investment period (or when 100% of loan claims have been purchased), you must send the loan amount within 10 days.
Repayments with interest begin one month later.

Is there a minimum and maximum amount for my investment?

You may invest a minimum of CHF 200. There is no upper limit to investments via Acredius.

Can I only invest in Swiss francs?

At this time Acredius investments must be in Swiss Francs.

Can I invest in more than one project?

You may invest in an as many projects as you like.

Can I still invest in a project if 100% of loan claims have already been purchased?

Once 100% of the loan claims of a project have been purchased, the project is automatically closed and no further investments are possible.

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

Investors must provide 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.

What does it cost to register at Acredius?

Registration on the Acredius platform is free of charge.

Who are the parties in the investment contract?

The investment agreement is a legally binding contract between you the investor and Acredius AG.

What is the procedure after agreeing to purchase loan claims?

The investment period during which loan claims may be purchased generally lasts 14 calendar days, and may be extended by the borrower.
At the end of the investment period, three scenarios can occur:
1.   100% of loan claims have been purchased:
Financing is approved, and investors have 10 days to supply the agreed funding. The investment period may be shorter than 14 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 funding.
3.   Less than 80% of loan claims have been purchased:
The borrower can choose whether to extend the investment period or to stop the loan request. In the latter case, the borrower receives no funding and the investors ready to purchase the loan claims will be informed about the non-success of the project.

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

Loan claims purchases cannot be withdrawn since they are binding, in accordance with the general terms and conditions of the Acredius platform.

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.

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.

ABOUT ACREDIUS:

What happens if the borrower misses a payment?

Acredius informs investors of any delays in repayment immediately.
In case of default, Acredius sends a reminder via email to the borrower on behalf of the investor, setting a deadline for the repayment.
The Acredius recovery team reaches out to the borrower and will address any late payment issue. If the borrower does not pay within the defined time period, the remaining amount of the loan agreement as well as outstanding interest will be due and payable immediately. For further details, see Delay fees.

If a borrower ceases to be a representative of the company or project and thus becomes invalid, what happens to the project?

In case of a change of status of the borrower, the situation is case dependent. However, since the loan contract is in the company’s name, it is the company’s liability.

ABOUT ACREDIUS:

Is my identity revealed to the borrower?

The identity of the investor is not known to the borrower. As there is no contract between the borrower and investor, no details concerning the investor are revealed to the borrower and vice versa.

Are projects visible to everybody?

Basic information about projects on the Acredius platform (project title, industry, requested loan amount and risk class) is public and visible to non-registered website visitors.
The project as described in detail by the borrower is shown only to registered investors, who may participate in the project by purchasing loan claims.
The identity of the borrower and company name are optional information and do not necessarily have to be shared with registered investors.

TRY ACREDIUS NOW