Cashare Company Profile

Background

Overview

Cashare is Switzerland's first and largest crowdlending platform, established in January 2008 by founders Michael Borter and Roger Müller. The company operates as an independent financial service provider, connecting borrowers directly with private and institutional investors, thereby eliminating traditional banking intermediaries. This model offers borrowers access to financing under attractive conditions and provides investors with opportunities for higher returns.

Mission and Vision

Cashare's mission is to revolutionize the financial landscape by providing modern, digital financing solutions that are transparent, efficient, and accessible to a broad audience. The company's vision is to empower individuals and small to medium-sized enterprises (SMEs) by facilitating direct access to capital, fostering financial independence, and promoting economic growth.

Industry Significance

As a pioneer in the Swiss crowdlending sector, Cashare has played a pivotal role in shaping the country's alternative financing landscape. By offering a platform that connects borrowers and investors directly, Cashare has contributed to the diversification of financing options available to individuals and businesses, challenging traditional banking models and encouraging innovation within the financial services industry.

Key Strategic Focus

Core Objectives

Direct Borrower-Investor Connection: Facilitate direct interactions between borrowers and investors to streamline the lending process and reduce costs.

Diversified Loan Offerings: Provide a range of loan products, including personal, SME, and real estate loans, to cater to diverse financing needs.

Transparency and Efficiency: Ensure clear, fair, and transparent processes for all stakeholders, enhancing trust and satisfaction.

Areas of Specialization

Crowdlending Platform: Operate a user-friendly online platform that automates the loan application, approval, and disbursement processes.

Alternative Investment Opportunities: Offer investors access to alternative investment options with attractive returns, diversifying their portfolios.

Key Technologies Utilized

Online Platform Infrastructure: Develop and maintain a secure, scalable, and efficient online platform to handle loan transactions and user interactions.

Data Analytics: Utilize data-driven approaches to assess creditworthiness, manage risk, and optimize loan offerings.

Primary Markets Targeted

Private Individuals: Offer personal loans for various needs, including debt consolidation, home improvements, and education.

Small and Medium-Sized Enterprises (SMEs): Provide financing solutions to support business growth, operations, and expansion.

Real Estate Sector: Facilitate real estate financing through specialized loan products tailored to the property market.

Financials and Funding

Funding History

Cashare has undergone at least one funding round, securing a Series A investment. Specific details regarding the total funds raised, the number of investors, and the lead investors are not publicly disclosed.

Utilization of Capital

The capital raised has been utilized to enhance the platform's technological infrastructure, expand marketing efforts, and support the development of new loan products, thereby strengthening Cashare's position in the Swiss crowdlending market.

Pipeline Development

Key Pipeline Candidates

Cashare continually evaluates and develops new loan products to meet the evolving needs of borrowers and investors. While specific pipeline candidates are not publicly detailed, the company focuses on:

Personal Loans: Expanding offerings to include various personal financing options.

SME Financing: Developing tailored loan products to support the growth and sustainability of SMEs.

Real Estate Loans: Introducing innovative financing solutions for the real estate sector.

Anticipated Milestones

Cashare aims to achieve the following milestones:

Product Launches: Introduce new loan products to diversify the portfolio and attract a broader customer base.

Market Expansion: Extend services to additional regions within Switzerland and explore opportunities in neighboring countries.

Technological Enhancements: Implement advanced data analytics and machine learning algorithms to improve credit assessment and risk management.

Technological Platform and Innovation

Proprietary Technologies

Automated Loan Processing System: An in-house developed system that automates the entire loan lifecycle, from application to disbursement, ensuring efficiency and accuracy.

Risk Assessment Algorithms: Proprietary algorithms designed to evaluate borrower creditworthiness and manage investment risks effectively.

Significant Scientific Methods

Data Analytics: Employ advanced data analytics to assess credit risk, monitor loan performance, and inform strategic decisions.

Machine Learning: Utilize machine learning models to enhance credit scoring and predict loan defaults, improving risk management.

Leadership Team

Executive Profiles

Michael Borter: CEO and Co-Founder. With a background in finance and technology, Michael has been instrumental in establishing Cashare as a leader in the Swiss crowdlending market.

Roger Müller: COO and Co-Founder. Roger brings expertise in operations and strategic management, overseeing the company's day-to-day activities and growth initiatives.

Sajmir Medija: Head of Business Development. Sajmir focuses on expanding Cashare's market presence and forging strategic partnerships to drive growth.

Delia Aellen: Head of Operations. Delia ensures the efficient functioning of Cashare's operational processes, maintaining high standards of service delivery.

Christoph Hofstetter: Lead Marketing Manager/Data Scientist. Christoph combines marketing expertise with data science to develop targeted marketing strategies and analyze customer behavior.

Jonas Imfeld: Lead Risk Manager. Jonas is responsible for assessing and managing the risks associated with Cashare's lending operations.

Filipe Goncalves: Sales Executive. Filipe drives sales initiatives, building relationships with investors and borrowers to expand Cashare's user base.

Andy Jenk: Head of B2B Partnerships. Andy focuses on developing and managing business-to-business partnerships to enhance Cashare's service offerings.

Kassandra Bulica: Loan Manager. Kassandra oversees the loan origination process, ensuring compliance and quality in loan approvals.

Arbresha Hoxhaj: Loan Manager. Arbresha manages loan applications and works closely with borrowers to facilitate financing solutions.

Débora Fernandes Martins: Junior Credit Analyst. Débora supports the credit analysis process, assisting in evaluating loan applications and assessing credit risk.

Livio Hättenschwiler: University Intern. Livio contributes to various projects, gaining practical experience in the financial services industry.

Competitor Profile

Market Insights and Dynamics

The Swiss crowdlending market has experienced significant growth, with platforms like Cashare leading the way. The market is characterized by increasing adoption of alternative financing solutions by both borrowers and investors, driven by the desire for more flexible terms and higher returns. Regulatory developments continue to shape the landscape, emphasizing the need for compliance and transparency.

Competitor Analysis

GC24 Group: A marketplace lending platform offering investment opportunities in private debt, business credit, real estate financing, and private credit consulting services.

Swisspeers: An independent online platform connecting SMEs with individual investors, providing business loans and fostering the growth of small and medium-sized enterprises.

Strategic Collaborations and Partnerships

In October 2018, Cashare partnered with Aave, a Swiss-based technology company specializing in decentralized and hybrid blockchain applications, to enter the digital asset-backed lending industry. This collaboration aimed to expand Cashare's offerings by integrating digital asset-backed loans, providing investors with opportunities to participate in the crypto industry while maintaining a high level of security.

Operational Insights

Cashare's direct-to-investor model differentiates it from traditional banks and other lending platforms by eliminating intermediaries, reducing costs, and offering more attractive terms to borrowers and investors. The company's focus on transparency, efficiency, and customer-centric services has established it as a trusted player in the Swiss financial services sector.

Strategic Opportunities and Future Directions

Cashare is well-positioned to capitalize on the growing demand for alternative financing solutions by expanding its loan product offerings, enhancing technological capabilities, and exploring new market segments. The partnership with Aave opens avenues for integrating blockchain technology into lending processes, potentially revolutionizing the industry and offering innovative solutions to meet the evolving needs of borrowers and investors.