Interactive tool
Before comparing Swiss P2P or crowdlending platforms, put your assumptions through this screener. It converts an advertised interest rate into a loss-scenario range and tells you which verification questions your inputs leave open. Everything runs in your browser; nothing you enter is stored or sent anywhere.
What the screener assumes
The model is deliberately simple: net return ≈ interest − platform fee − expected credit loss, where expected credit loss is your default assumption multiplied by the share not recovered. The stress case triples your default assumption and cuts recovery by twenty percentage points — roughly the shape of a bad credit year. It ignores taxes, reinvestment gaps and currency moves, which is why the output links you to the pages that cover those. Treat the result as a structured list of questions, not a forecast.
Method & status
Simplified expected-loss arithmetic as described in our methodology. Default and recovery inputs are your assumptions, not market data. Tool logic last reviewed: 14 July 2026.
Educational tool, not financial advice. The screener does not recommend platforms and does not imply FINMA endorsement of anything. Lending investments can lose all invested capital and are not bank deposits.
Frequently asked questions
Does the screener store my inputs?
No. The calculation runs entirely in your browser with a small script. Nothing is saved, transmitted or profiled — see the privacy policy.
Where do I get a realistic default assumption?
Platforms publish historical default and arrears figures with varying honesty. Read how to verify performance claims in our platform comparison guide, and stress your number upward rather than trusting a marketing page.
Why is there no “recommended platform” in the output?
Because a screener cannot know platform quality. It sizes your scenario’s risk mechanics; the verification checklist is how you interrogate an actual platform.