Research log
Blog
Risk mechanics, platform verification and Swiss lending regulation — every article shows its sources and check dates.
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SME Crowdlending in Switzerland: Reading a Loan File Like a Skeptic
A practical guide to reading Swiss SME loan files with a skeptic’s eye: financial statements, collateral, term, sector risk, and the concentration risk that…
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CHF vs EUR P2P Loans: Why Currency Risk Changes the Return
A EUR loan advertising a higher rate than a CHF loan is not automatically the better deal. Once currency risk, conversion fees, and hidden…
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P2P Lending Risks: Defaults, Liquidity, Platform Failure and Currency
A breakdown of the four core P2P lending risks: borrower default, platform failure, illiquidity and currency exposure, with a worked illustrative example showing how…
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FINMA, FinTech Licences and P2P Lending: What Investors Should Check
FINMA does not approve or endorse P2P lending platforms. Learn what its authorisation categories, the FinTech licence, and AML/KYC rules actually mean, and how…
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Crowdlending in Switzerland: Consumer, SME and Real-Estate Lending Explained
Crowdlending covers consumer, SME, real-estate and invoice-based loans in Switzerland, each with different security and risk. Here is how the segments compare and where…
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Swiss P2P Lending Platforms: How to Compare Without Chasing Yield
Advertised yield is the weakest signal for comparing Swiss P2P lending platforms. This guide sets out a repeatable method covering custody, loan disclosure, fees,…
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P2P Lending in Switzerland: What to Understand Before Investing
A plain-English map of how Swiss P2P lending models actually work, the licence, custody and AML checks worth doing first, and what really drives…