Lending software for Switzerland

A high-income market where consumer credit is checked against ZEK and IKO and every disclosure is multilingual. lendhero arrives with ZEK, IDnow and SIC already connected, so your team configures products instead of plumbing.

See the local stack
  • CHF (CHF)
  • German, French, Italian, English
  • 18 local connectors
  • 1–2 weeks to launch

Grüezi, Laura

ApprovedCHF 10’000

785

Credit score

On-time payments

Monthly paymentCHF 328

Market profile

Switzerland at a glance

What lendhero is set up for in Switzerland before your team logs in.

Currency

CHF (CHF)

Languages

German, French, Italian, English

Supervisor

FINMA

Credit data

ZEK, IKO, CRIF Switzerland

Payout rails

SIC, SIC IP, TWINT

Data protection

the revised FADP

18
local connectors wired in before kickoff
CHF
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
4
interface languages: German, French, Italian, English

Working with borrowers in Switzerland

Tools for every borrower conversation

Borrowers in Switzerland apply, sign, pay and come back for repeat loans in German and CHF.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Sinch automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowSinch
New receipt in your portalSMS

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in German.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Laura · Consumer loan, 6 months · CHF 10’000

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Switzerland stack, connected before kickoff.

lendhero ships with the connectors lenders in Switzerland use every day, from ZEK to LSV+. New ones are added through the open API.

  • Credit bureaus & registries3 connectors
    • ZZEK
    • IIKO
    • CCRIF Switzerland
  • Identity & KYC3 connectors
    • IIDnow
    • IIntrum ID
    • SSwiss ID
  • Bank & alternative data2 connectors
    • bbLink
    • TTink
  • Disbursement rails3 connectors
    • SSIC
    • SSIC IP
    • TTWINT
  • Repayments & collections3 connectors
    • LLSV+
    • QQR-bill
    • TTWINT
  • Messaging3 connectors
    • WWhatsApp Business
    • SSinch
  • E-signature2 connectors
    • SSkribble
    • DDocuSign

Checks and payments

Who borrows and how money moves in Switzerland

Applicants are checked with ZEK and IKO, and money moves via SIC and SIC IP.

Client checks

Checks connected in Switzerland:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationIDnow, Intrum ID, Swiss IDPass
  • Credit bureausZEK, IKO, CRIF SwitzerlandPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative databLink, TinkReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Switzerland:

DisbursementSIC, SIC IP, TWINT in CHF
RepaymentLSV+, QR-bill, TWINT
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • SIC
  • SIC IP
  • TWINT
  • LSV+
  • QR-bill

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in CHF are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

CHF 10’000

On track
Auto-calculated · 200+ parametersManual edit
Repaid CHF 10’000 of CHF 10’0002 of 6 payments
DateAmountStatus
Sep 4CHF 10’000Paid
Oct 4CHF 10’000Paid
Nov 4CHF 10’000Due in 7 days
Dec 4CHF 10’000Upcoming
Jan 4CHF 10’000Upcoming
Reminder sentYour payment of CHF 10’000 is due Nov 4

Loan flow

How a loan runs in Switzerland. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via email, with forms in German, French, Italian and English.
  2. 02VerifyIdentity and documents are checked through IDnow and Intrum ID.
  3. 03DecideScorecards pull ZEK and IKO data and return a decision in seconds.
  4. 04DisburseFunds go out via SIC or SIC IP in CHF, straight after signing.
  5. 05CollectRepayments arrive via LSV+ and QR-bill, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

CHF 10’000

Next payment

CHF 10’000 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

LauraVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Switzerland launch on .

Consumer instalment loansPrivatkredite with ZEK and IKO checks.
Auto financingCar leasing for dealers and brands.
Business lendingCredit for SMEs on bLink bank data.

Compliance

Configured for FINMA and KKG and the revised FADP.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Switzerland.

Hosting & data residency

Cloud or on-premise deployment, with data stored where the revised FADP requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the revised FADP.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for FINMA and KKG rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Western Europe

All Europe markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Switzerland?+

Yes. The platform is set up for CHF, German, French, Italian and English and FINMA and KKG requirements, with 18 local connectors ready on day one.

Which credit data sources are connected in Switzerland?+

ZEK, IKO, CRIF Switzerland. On top of that, identity checks run through IDnow, Intrum ID and Swiss ID and bank data comes from bLink and Tink.

How do borrowers get paid and repay?+

Payouts go out via SIC, SIC IP and TWINT in CHF. Repayments arrive via LSV+, QR-bill and TWINT, with reminders over WhatsApp Business and Sinch.

How long does a launch in Switzerland take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 18 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Switzerland? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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