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Mostly present on digital platforms, crowdfunding existed long before the advent of the internet
Before the shift to a predominantly digital environment, crowdfunding was an existing alternative financing solution. This can be explained by the nature of this technique, which corresponds to a participatory financing that is possible thanks to the surroundings of individuals in need of funds. Indeed, the aim of this method is for a person in search of funds to introduce his project or idea to his or her surroundings in order to find different backers who each provide part of the amount needed to carry out the project. It can complement a traditional financing solution or serve as a unique solution.
With the emergence of the digital age, it has been possible, thanks to crowdfunding platforms, to meet financial contributors, mainly individuals, beyond one's direct circle of friends. To do so, the person in need of funds must give a precise description of his or her project on the platform, which can be of any type: humanitarian, creative, economic, and will then obtain the financing, which is also differentiated between loans, donations, and shares.
Crowdlending, a component of crowdfunding increasingly used in Switzerland
Crowdlending is a form of crowdfunding. Unlike shareholders, lenders only receive interest. The advantage of this type of crowdfunding is the possibility of taking out loans with very favorable interest rates and more quickly than traditional financial institutions such as banks.
In Switzerland, in general, crowdfunding is on the rise. In fact, in its report Crowdfunding Monitoring Schweiz 2021, the University of Lucerne mentions a 2% increase in the obtained amounts from 2019 to 2020. Together with crowd-supporting and crowd-donating, crowdlending is one of the forms of crowdfunding with a significant growth, namely an increase of 7% from 2019 to 2020.
Here is why crowdfunding is an ideal financing solution for SMEs
Generally speaking, whether it is through crowdlending or crowdfunding platforms, SMEs and start-ups have many advantages in favoring participatory financing.
Crowdlending platforms offer a modern solution, are transparent, direct and easy to use. The speed of the application and response process is also a factor that motivates companies to choose these financing solutions over traditional banks.
neocredit.ch, our partner in crowdlending, offers simple, fast and transparent financing
neocredit.ch is the ideal partner to obtain an entrepreneurial participatory financing thanks to:
- Its speed: In only 48 hours the project is analyzed, and the company or SME obtains a financing offer. Once the project is published, investors fund the required amount within 10 days maximum.
- Digital process: All stages of the application to funding are done online and easily.
- Transparency: All fees are communicated, there are no surprises that a project owner may face.
- No penalties for early repayment: Unlike many traditional financial institutions, with neocredit.ch it is possible to repay the loan at any time.
In addition to the many benefits offered to project owners, neocredit.ch allows investors to invest their capital at very attractive rates of return. It is a win-win model.
Author: Arij Kamel, marketing trainee at PrestaFlex, Fribourg
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Mostly present on digital platforms, crowdfunding existed long before the advent of the internet
Before the shift to a predominantly digital environment, crowdfunding was an existing alternative financing solution. This can be explained by the nature of this technique, which corresponds to a participatory financing that is possible thanks to the surroundings of individuals in need of funds. Indeed, the aim of this method is for a person in search of funds to introduce his project or idea to his or her surroundings in order to find different backers who each provide part of the amount needed to carry out the project. It can complement a traditional financing solution or serve as a unique solution.
With the emergence of the digital age, it has been possible, thanks to crowdfunding platforms, to meet financial contributors, mainly individuals, beyond one’s direct circle of friends. To do so, the person in need of funds must give a precise description of his or her project on the platform, which can be of any type: humanitarian, creative, economic, and will then obtain the financing, which is also differentiated between loans, donations, and shares.
Crowdlending, a component of crowdfunding increasingly used in Switzerland
Crowdlending is a form of crowdfunding. Unlike shareholders, lenders only receive interest. The advantage of this type of crowdfunding is the possibility of taking out loans with very favorable interest rates and more quickly than traditional financial institutions such as banks.
In Switzerland, in general, crowdfunding is on the rise. In fact, in its report Crowdfunding Monitoring Schweiz 2021, the University of Lucerne mentions a 2% increase in the obtained amounts from 2019 to 2020. Together with crowd-supporting and crowd-donating, crowdlending is one of the forms of crowdfunding with a significant growth, namely an increase of 7% from 2019 to 2020.
Here is why crowdfunding is an ideal financing solution for SMEs
Generally speaking, whether it is through crowdlending or crowdfunding platforms, SMEs and start-ups have many advantages in favoring participatory financing.
Crowdlending platforms offer a modern solution, are transparent, direct and easy to use. The speed of the application and response process is also a factor that motivates companies to choose these financing solutions over traditional banks.
neocredit.ch, our partner in crowdlending, offers simple, fast and transparent financing
neocredit.ch is the ideal partner to obtain an entrepreneurial participatory financing thanks to:
– Its speed: In only 48 hours the project is analyzed, and the company or SME obtains a financing offer. Once the project is published, investors fund the required amount within 10 days maximum.
– Digital process: All stages of the application to funding are done online and easily.
– Transparency: All fees are communicated, there are no surprises that a project owner may face.
– No penalties for early repayment: Unlike many traditional financial institutions, with neocredit.ch it is possible to repay the loan at any time.
In addition to the many benefits offered to project owners, neocredit.ch allows investors to invest their capital at very attractive rates of return. It is a win-win model.
Author: Arij Kamel, marketing trainee at PrestaFlex, Fribourg
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