{"id":25980290,"date":"2024-07-31T15:18:27","date_gmt":"2024-07-31T13:18:27","guid":{"rendered":"https:\/\/new.kredo.swiss\/we-tell-you-everything\/"},"modified":"2024-09-23T19:09:01","modified_gmt":"2024-09-23T17:09:01","slug":"we-tell-you-everything","status":"publish","type":"page","link":"https:\/\/new.kredo.swiss\/en\/we-tell-you-everything\/","title":{"rendered":"We tell you everything"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F4F8F9&#8243; custom_padding=&#8221;200px||||false|false&#8221; custom_padding_tablet=&#8221;50px||||false|false&#8221; custom_padding_phone=&#8221;50px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;85%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>We tell you everything <\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;28px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Transparency is the cornerstone of trust<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; width=&#8221;100%&#8221; max_width=&#8221;75%&#8221; max_width_tablet=&#8221;85%&#8221; max_width_phone=&#8221;85%&#8221; max_width_last_edited=&#8221;on|tablet&#8221; custom_css_free_form=&#8221;.selector {||  display: flex;||  justify-content: center;||  align-items: center;||}&#8221; 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global_colors_info=&#8221;{}&#8221;][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;&#8211;et_global_body_font|700|||||||&#8221; text_font_size=&#8221;64px&#8221; text_orientation=&#8221;center&#8221; hover_enabled=&#8221;0&#8243; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;1em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>Any further questions?<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]Please do not hesitate to contact us[\/et_pb_text][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI4In19@&#8221; button_text=&#8221;Contact us&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.0&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#2DA81A&#8221; button_border_color=&#8221;#2DA81A&#8221; button_border_radius=&#8221;8px&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; button_on_hover=&#8221;off&#8221; custom_padding=&#8221;16px|25px|16px|25px|true|true&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|desktop&#8221; button_text_color__hover=&#8221;#2DA81A&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;RGBA(255,255,255,0)&#8221; button_bg_enable_color__hover=&#8221;on&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We tell you everything Transparency is the cornerstone of trust<div class=\"et_pb_module dipi_faq dipi_faq_0\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module_inner\">\n\t\t\t\t\t<div class=\"dipi-faq-wrapper dipi-faq-toggles loading \" style=\"display: none;\" data-config=\"{&quot;layout&quot;:&quot;toggles&quot;}\">\n\t\t\t\t<div class=\"dipi-faq-entry\" data-entry-number=\"0\">\n                        <div class=\"dipi-faq-title\"><i class=\"dipi-faq-icon-open\"><\/i>\n                                    <i class=\"dipi-faq-icon-closed\"><\/i><span>How is the interest rate set?<\/span><\/div>\n                        <div class=\"dipi-faq-content\"><div class=\"et_pb_section et_pb_section_1 et_pb_with_background et_section_regular\" >\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_row et_pb_row_0\">\n\t\t\t\t<div class=\"et_pb_column et_pb_column_3_5 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_text_inner\"><p>The funds loaned come from investors keen to support the national economic fabric and its SMEs. The interest paid, less management fees, is used to remunerate investors.<\/p>\n<p>Kredo Debt Fund I is in direct competition with a very large number of investment opportunities available to investors (shares, bonds, investment funds, etc.).<\/p>\n<p>A balance must therefore be struck between all parties to make the investment opportunity attractive and attract the necessary capital to meet the strong demand for credit from SMEs.<\/p><\/div>\n\t\t\t<\/div>\n\t\t\t<\/div><div class=\"et_pb_column et_pb_column_2_5 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module et_pb_image et_pb_image_0\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<span class=\"et_pb_image_wrap \"><img loading=\"lazy\" decoding=\"async\" width=\"691\" height=\"928\" src=\"https:\/\/new.kredo.swiss\/wp-content\/uploads\/2024\/08\/faq_1.png\" alt=\"\" title=\"faq_1\" srcset=\"https:\/\/new.kredo.swiss\/wp-content\/uploads\/2024\/08\/faq_1.png 691w, https:\/\/new.kredo.swiss\/wp-content\/uploads\/2024\/08\/faq_1-480x645.png 480w\" sizes=\"auto, (min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 691px, 100vw\" class=\"wp-image-25803711\" \/><\/span>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n<\/div>\n                    <\/div><div class=\"dipi-faq-entry\" data-entry-number=\"1\">\n                        <div class=\"dipi-faq-title\"><i class=\"dipi-faq-icon-open\"><\/i>\n                                    <i class=\"dipi-faq-icon-closed\"><\/i><span>Why lend only to SMEs with an established business model and at least two financial years&#8217; experience, and not to start-ups?<\/span><\/div>\n                        <div class=\"dipi-faq-content\"><div class=\"et_pb_section et_pb_section_3 et_pb_with_background et_section_regular\" >\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_row et_pb_row_1\">\n\t\t\t\t<div class=\"et_pb_column et_pb_column_3_5 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_text_inner\"><p>Simply because the risk of failure is much greater when launching a start-up. In fact, 9 out of 10 start-ups do not survive.<\/p>\n<p>The financial contribution must therefore be structured differently (convertible loan, share issue, equity capital, etc.) and remunerated in a way other than the payment of interest (dividends, share price appreciation, influence on strategy and governance, etc.).<\/p>\n<p>However, Kredo is investigating the possibility of offering new types of financing for start-ups.<\/p><\/div>\n\t\t\t<\/div>\n\t\t\t<\/div><div class=\"et_pb_column et_pb_column_2_5 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module et_pb_image et_pb_image_1\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<span class=\"et_pb_image_wrap \"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"1041\" src=\"https:\/\/new.kredo.swiss\/wp-content\/uploads\/2024\/08\/faq_2.png\" alt=\"\" title=\"faq_2\" srcset=\"https:\/\/new.kredo.swiss\/wp-content\/uploads\/2024\/08\/faq_2.png 800w, https:\/\/new.kredo.swiss\/wp-content\/uploads\/2024\/08\/faq_2-480x625.png 480w\" sizes=\"auto, (min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 800px, 100vw\" class=\"wp-image-25803710\" \/><\/span>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n<\/div>\n                    <\/div><div class=\"dipi-faq-entry\" data-entry-number=\"2\">\n                        <div class=\"dipi-faq-title\"><i class=\"dipi-faq-icon-open\"><\/i>\n                                    <i class=\"dipi-faq-icon-closed\"><\/i><span>Why request a personal guarantee from the main shareholder?<\/span><\/div>\n                        <div class=\"dipi-faq-content\"><div class=\"et_pb_section et_pb_section_5 et_pb_with_background et_section_regular\" >\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_row et_pb_row_2\">\n\t\t\t\t<div class=\"et_pb_column et_pb_column_3_5 et_pb_column_4  et_pb_css_mix_blend_mode_passthrough\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_text_inner\"><p>The declaration solidarity commitment by the main shareholder is the only guarantee required. Why ask for it, when the shareholder-entrepreneur is already devoting all his energy and resources into his SME?<\/p>\n<p>We are convinced that credit is above all a relationship of trust between the parties. The lender has confidence in the SME\u2019s ability to repay the loan and pay interest on time.<\/p>\n<p>In return, the main shareholder is asked to demonstrate his confidence in the project and its management by backing the loan with his personal commitment. This is a strong signal.<\/p>\n<p>Furthermore, the funds loaned come from investors who want guarantees in return.<\/p>\n<p>The joint commitment is quick to set up and enables Kredo to be very reactive in making funds available.<\/p><\/div>\n\t\t\t<\/div>\n\t\t\t<\/div><div class=\"et_pb_column et_pb_column_2_5 et_pb_column_5  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module et_pb_image et_pb_image_2\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<span class=\"et_pb_image_wrap \"><img loading=\"lazy\" decoding=\"async\" width=\"688\" height=\"763\" src=\"https:\/\/new.kredo.swiss\/wp-content\/uploads\/2024\/08\/faq_3.png\" alt=\"\" title=\"faq_3\" srcset=\"https:\/\/new.kredo.swiss\/wp-content\/uploads\/2024\/08\/faq_3.png 688w, https:\/\/new.kredo.swiss\/wp-content\/uploads\/2024\/08\/faq_3-480x532.png 480w\" sizes=\"auto, (min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 688px, 100vw\" class=\"wp-image-25803709\" \/><\/span>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n<\/div>\n                    <\/div><div class=\"dipi-faq-entry\" data-entry-number=\"3\">\n                        <div class=\"dipi-faq-title\"><i class=\"dipi-faq-icon-open\"><\/i>\n                                    <i class=\"dipi-faq-icon-closed\"><\/i><span>Why charge a structuring fee?<\/span><\/div>\n                        <div class=\"dipi-faq-content\"><div class=\"et_pb_section et_pb_section_7 et_pb_with_background et_section_regular\" >\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_row et_pb_row_3\">\n\t\t\t\t<div class=\"et_pb_column et_pb_column_3_5 et_pb_column_6  et_pb_css_mix_blend_mode_passthrough\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_text_inner\"><p>Calculated on the basis of the loan amount, it is paid by the borrower only if the loan is granted. Kredo is committed to an entrepreneurial, human approach, with a focus on advice during discussions and company<\/p>\n<p>Our aim is to provide maximum added value in structuring the credit and maximize the chances of success. These discussions will be conducted by experienced professionals.<\/p>\n<p>At the same time, like all SMEs, Kredo has operating costs that need to be covered if it is to offer its services on a long-term basis (platform costs, IT costs, salaries of staff analyzing credit applications, etc.). The structuring fee is Kredo's main source of revenue and helps cover its operating costs.<\/p>\n<p>The interest paid by SMEs on their loans is used to remunerate the investors who lend the funds. This system makes it possible to be much more reactive in making funds available.<\/p>\n<p>The SME will have access to financing very quickly, and Kredo will come to the company, saving it a lot of time and hassle. The SME will be able to focus on what it does best: its business!<\/p>\n<table class=\"aligncenter\" border=\"2\" width=\"494\" cellpadding=\"10\">\n<tbody>\n<tr>\n<td>Credit amount<\/td>\n<td>Structuring fee in CHF<\/td>\n<\/tr>\n<tr>\n<td>50 000<\/td>\n<td>3 250<\/td>\n<\/tr>\n<tr>\n<td>100 000<\/td>\n<td>4 000<\/td>\n<\/tr>\n<tr>\n<td>150 000<\/td>\n<td>4 750<\/td>\n<\/tr>\n<tr>\n<td>200 000<\/td>\n<td>5 500<\/td>\n<\/tr>\n<tr>\n<td>250 000<\/td>\n<td>6 250<\/td>\n<\/tr>\n<tr>\n<td>300 000<\/td>\n<td>7 000<\/td>\n<\/tr>\n<tr>\n<td>350 000<\/td>\n<td>7 750<\/td>\n<\/tr>\n<tr>\n<td>400 000<\/td>\n<td>8 500<\/td>\n<\/tr>\n<tr>\n<td>450 000<\/td>\n<td>9 250<\/td>\n<\/tr>\n<tr>\n<td>500 000<\/td>\n<td>10 000<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n\t\t\t<\/div>\n\t\t\t<\/div><div class=\"et_pb_column et_pb_column_2_5 et_pb_column_7  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module et_pb_image 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<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"dipi_cpt_category":[],"class_list":["post-25980290","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FAQ \u2013 Kredo<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ \u2013 Kredo\" \/>\n<meta property=\"og:description\" content=\"We tell you everything Transparency is the cornerstone of trust\" \/>\n<meta property=\"og:url\" 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