Diversification is a bedrock principle of investing. It is a strategy of mixing various types of investments within your portfolio. Diversifying your investments means spreading your money across different categories such as asset classes, industries, sectors, and companies. This can help mitigate the risks and ultimately lower your overall risk…


Crowdlending has tremendously altered the landscape of lending and borrowing money. Whether individuals are seeking consumer loans or business owners looking for a financial boost — digital loans have made funding more accessible to everyone.

For investors, Crowdlending also offers an alternative way to invest effortlessly. When choosing a platform…


Definition12 AG is a medical software company, producing apps that aim to better the quality of life. Since launching their own products in 2016, they have helped over 2,000 cancer patients in monitoring their health. We were privileged to have played a role in Definition12’s capital boost for such a…


By the end of the 90s and the early 2000s, the Peer to Peer model just started to emerge on the internet. At that time Myriam just began her career in Switzerland in the marketing department of UBS. After five years in this corporate environment, she decided to do a…


MYBOX is a services company specialized in renting self-storage spaces. It is operating for more than a decade with constant growth and currently offers around 700 storage spaces spread over seven locations in Switzerland. At Acredius, we had the chance to help this aspiring business achieve its growth acceleration goal…


“An image is worth a thousand words”

It’s a saying we’ve all heard before and from the content on our newsfeed, it’s easy to see how it’s true. As we scroll, we are bombarded with images with little to no text on them.

In the evolution of the most popular…


Crowdfunding allows projects to be funded directly by a large group of people, the “crowd”, without any expectations of financial returns. In crowdlending, a large number of unrelated people lend small amounts directly to a small business in exchange for a financial return through a commercial loan agreement.

In this…


At Acredius, we use alternative data to constantly enhance our proprietary credit risk scorecard. One of the sources we use is Twitter. Tweets have proven to be more powerful than we think when it comes to understanding trends. Associated with proper machine learning techniques, one can get great insights. As…


In 2014, Simon Amrein observed that several projects were been financed on the internet. As a senior research associate at the Luzern Business School, he became interested and tried to gain some insights. It resulted in the first Crowdfunding monitor publication describing the newly emerged crowdfunding phenomenon.

For the first…


One challenge startups are facing nowadays is to hire talented people. Understanding what attracts candidates and their expectations would help to better tailor job offers and therefore increases the interest of candidates. We applied one of the machine learning techniques, namely text mining methods to figure this out.

Candidates applying…

Acredius AG

Acredius is an online platform that makes investors’ and borrowers’ needs meet in an unconventional, digital, intuitive and safe environment I www.acredius.ch

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