Close more deals — without waiting longer for your money.

Embedded lending means the financing is built directly into your offer: your customer finds the instalment option where they buy. They apply on your landing page, the loan comes from Cashare. You receive the full invoice amount, your customer pays the instalments to Cashare.

Four plans: Grow free (CHF 0 setup, CHF 0 per month), Scale CHF 1'999 and CHF 259 per month, Scale Plus CHF 2'499 and CHF 299 per month, Custom from CHF 6'000 and CHF 499 per month. There are no additional costs per loan; only in the guarantee model are collection cases charged at cost.

If your customer is a private individual, the payout happens 14 days after successful funding: they can withdraw from the loan agreement within 14 days — under the Consumer Credit Act up to CHF 80,000, above that under the general terms. After that the whole amount arrives in a single payment in your account. If your customer is a legal entity, the right of withdrawal is 10 days and the payout period accordingly 10 days.

BNPL providers are built for small consumer purchases: typically CHF 50 to 2'000, terms up to 12 months, and you pay 3–6 % per transaction out of your margin. With Cashare you pay nothing per order; the cost is carried by your customer through the interest rate. In return we finance amounts from CHF 1'000 to 1'000'000, durations up to 60 months and business customers too. If you want to offer your customer 0 % and carry the cost yourself, that is possible in the Custom plan as an agreed sales promotion.

Factoring solves a different problem. There you sell your outstanding receivable to a factor and receive the amount less a deduction; your customer gets no instalment option, their payment terms stay the same, and reporting receivables and reconciling payments stay your job. Factoring helps your cash flow when customers pay late. Cashare addresses the case before that: your customer cannot or does not want to pay the amount in one go. They pay instalments to Cashare, you receive the full amount 14 days after successful funding for a private individual — with no deduction and no admin afterwards.

No. Cashare pays no remuneration for a referral, and you charge your customer nothing for the financing. The mark-up on the nominal rate is Cashare’s platform fee. Your benefit is the order and the full payment.

Yes. With Construction Financing we finance business orders — instalments for the client, payment up front for you. Many checkout-focused providers exclude corporate customers.

You incur no cost and no effort. Not every application is approved — the creditworthiness assessment is required by law and the decision rests with Cashare. In the project overview you see the status of each application, declines included, and in the cockpit the quality of your submissions over time.

Not in the standard model without a guarantee: instalments and dunning are a matter between your customer and Cashare. If, from the Scale plan onwards, you voluntarily choose the guarantee variant, you guarantee the loans you refer and in return get a fixed agreed rate for your customers.

Loans from CHF 1'000 to CHF 1'000'000 in steps of one franc, with durations from 1 to 60 months. That way the loan amount matches your invoice amount exactly.

Cashare alone, after the creditworthiness assessment and with a rating. This is required by law and takes the responsibility off your shoulders. Loans to private individuals are subject to the Consumer Credit Act.

Schools and further-education providers, dental and medical practices, trade and construction firms, eBike and bike shops, furniture and interior retailers as well as solar and heat-pump installers. There are four financing products: education, renovation, trades and construction, and equipment financing from your own catalogue.

With Grow it starts immediately. With the other plans usually a few days, once the documents are complete: commercial register entry, authorised contact person, identification, IBAN and logo.