Get your money doing more
with cross-border lending
*Annual return based on the assumption of a duration of 24 months, risk class HR, no loan defaults, inclusion of 1% surcharge. Actual return may differ from indicated maximum return. Investment in Notes can lead to the total loss of invested capital.
*For the placement and marketing of the Notes, CrossLend GmbH is acting as tied agent for biw Bank AG, under FCA reference number: 670961.
Europe’s investment horizons are expanding as more and more private investors discover the potential of a whole new asset class – one almost exclusively accessible to banks and institutional investors until now: consumer loans.
CrossLend’s cross-border marketplace lending platform is a fast, convenient way to get your money doing more for you with the opportunity to invest in consumer loans from different European countries via the purchase of Borrower Payment Contingent Notes (‘Notes’) in euros. All you need to get started is to apply for an investment account with our German partner bank, biw AG, using our online form. (You can learn in more detail about how the Notes work here; we also encourage you to read our Prospectus, available here.)
By doing almost everything online, we're able to keep our operational costs low, so you can benefit from the resulting savings – in the form of attractive interest rates for borrowers and attractive returns for investors: a win-win for everyone.
All potential borrowers are risk-assessed using our innovative proprietary scoring technology. Each loan is then assigned a risk class from A (lowest risk) to HR (highest risk), reflecting the differing risk of default across the scale. Low risk loans, in principle, offer correspondingly low interest, while high risk loans offer higher interest.
Our user-friendly filters help you to quickly find the CrossLend Securities SA Notes with underlying loans that perfectly meet your specifications.
Over the CrossLend platform, you don’t directly fund an entire loan, rather subscribe to Notes, which the loans underlie. You can start investing in diverse loan projects, via the Notes, with a starting amount of as low as 25 euros, so it’s simple to spread your investments and diversify the risk from the get-go.
It’s our vision to reduce the gap between supply and demand within traditional lending in the European market by connecting borrowers from high-interest-rate countries with investors from low-interest-rate countries through our unique cross-border marketplace lending platform. We’re bridging Europe’s credit divide to create fresh opportunities for people on both sides of the coin.
We operate according to comprehensive German data protection standards.
This website contains general advertising statements regarding investment in the Borrower Payment Contingent Notes from CrossLend Securities SA, whose payments (which consist of interest and principal) are contingent upon the corresponding payments of the respective borrowers. It does not contain any information on specific single issues of Notes from CrossLend Securities SA.
Issuer of the Notes offered on the CrossLend marketplace is CrossLend Securities SA. The Notes are offered for sale on the CrossLend platform by CrossLend GmbH exclusively for the account and under the liability of biw Bank für Investments und Wertpapiere AG, which acts as placement agent for CrossLend Securities SA.
A detailed description and explanation of the Borrower Payment Contingent Notes and the Terms of the Notes, whose payments (consisting of interest and principal) are contingent upon the corresponding payments of the borrower, is contained in the Base Prospectus, approved by the Luxembourg Commission de Surveillance du Secteur Financier (CSSF), as well as in the English summary of the Base Prospectus (available here). The supplementary terms and conditions of the single issues are set out in the respective Final Terms, which, for the current running offers, are viewable here as well as in the Documents section of your CrossLend Account.
Investors should base their investment decision on a review of the entire Base Prospectus and the respective Final Terms as well as the issue-specific English summary and obtain expert advice, if necessary, before making any investment decisions.
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