Loanboox 2023 with strong revenue growth and high traction in  real estate financing

Loanboox 2023 with strong revenue growth and high traction in real estate financing

Loanboox, a leading European platform for debt financing, continued its growth in 2023 and increased its revenues by +95% compared to the previous.

The Real Estate segment performed particularly well. Revenues generated in Switzerland,
Germany and France with commercial real estate financing and software-as-a-service increased by
more than 300 percent compared to the previous year. The Public and Near-Public segment also
continued to grow in Switzerland, France and Austria. Here, financings for hospitals, retirement
and nursing homes as well as energy and transport companies contributed to the good

We have successfully expanded our platform into the real estate segment, where we have seen
encouraging growth. We are satisfied with the past year and have continued our capital-efficient path, doubling revenues while reducing costs. We see great potential for 2024 to further drive the digitalization of debt financing,” explains Urs Meier, CEO of Loanboox.

Further growth across all segments in the core European markets is the main goal for 2024.

Real Estate: good traction in Switzerland, deals in Germany and France

Loanboox has been active in the Real Estate segment since 2022. Last year, the result achieved in this area already contributed 40 percent to the group’s total revenues. In 2023, a volume of more than CHF 400 million was transacted in Switzerland, Germany and France for projects in all property classes (residential, offices, commercial, hotels). The average loan size was CHF 15 million and the largest single transaction was CHF 60 million. In a challenging environment – with sharply rising interest rates and major uncertainties in the real estate sector – it has become clear that optimizing financing conditions, efficient financing processing through automated lender matching and active debt management are becoming increasingly important. With its brokerage services (refinancing, purchase financing and construction financing) and its software solution, Loanboox was able to generate significant added value for its customers.   

SaaS: rollout of debt management module

In 2023, the new Debt Management module, which enables debt portfolios to be easily analyzed
and managed, was significantly enhanced. Designed as software-as-a-service product, it is a 360°
solution for financial managers. Key features of the Debt Management module include portfolio
management and analysis, financial planning, market and scenario analysis, and covenant

Public finance: Position in Switzerland maintained

Loanboox has been a close partner of the public sector in Switzerland since 2016. In 2023, the
company confirmed its position as the leading digital financing platform for public borrowers
such as municipalities and cities. There was also an increase in financings for Near-Public
borrowers, for example in the healthcare, water and energy supply and transport sectors. In
total, more than 1’000 enquiries with a volume of over CHF 12 billion were processed in 2023 in the Public and Near-Public segment across all markets. The development of financing strategies,
the simulation of borrowing costs and portfolio analyses were particularly in demand. Loanboox
has transacted more than CHF 31 billion in volume across all business segments since the
company was founded. 


Swiss Fintech AG / Loanboox
Thomas Doriath, Communications
Urs Meier, CEO
Talacker 50, 8001 Zürich 
+41 55 220 78 00,

Loanboox doubles revenue in the first half of the year: strong momentum in the new segments Real Estate Finance and SaaS

Loanboox doubles revenue in the first half of the year: strong momentum in the new segments Real Estate Finance and SaaS

Loanboox successfully closes the first half of 2023 with encouraging growth in its business segments Public Finance, Real Estate Finance and Software-as-a-Service (SaaS). A total of CHF 2 billion in financing was concluded through Loanboox in the first six months. The fintech thus doubled its revenue compared to the same period last year.

In the Public Finance segment, with which Loanboox started more than six years ago, the market-leading position in Switzerland was further expanded. The need on the borrower side to obtain competitive financing terms is high and continues to grow due to the volatile interest rate environment.

High growth momentum in Real Estate Finance

In particular, the Real Estate segment, in which Loanboox has been active for just over a year, grew strongly and already accounts for around 40 percent of revenue: In a challenging market environment with rising interest rates, transactions with a volume of over CHF 160 million were closed in the first half of 2023. These transactions generate substantial efficiency gains for lenders and significant interest savings for borrowers. Loanboox’s customers include real estate companies such as Ina Invest AG, which is listed on the Swiss stock exchange SIX, as well as real estate funds and housing cooperatives.

SaaS: Loanboox further expands financing tool

Since the beginning of 2022, Loanboox has also been active in the Software-as-a-Service segment, offering customers white label solutions that enable efficient sourcing and management of debt capital. In 2023, the software was enhanced with key features and includes new tools for portfolio management, scenario analysis as well as covenant monitoring.

In recent months, various companies have already decided to use the software, for example Refolio Real Estate AG:

«We use the software to centrally manage all aspects of our real estate financing. It supports us with data-based decisions and forecasts as well as with reporting and traceability. Excel lists are definitely a thing of the past», says Nicola Haas, CEO Refolio Real Estate AG.

New leadership team takes over

Urs Meier, already a member of the Executive Board, will become the new CEO of Loanboox. He will take over from Philippe Cayrol, who is leaving the company at his own request at the end of July to take on a new challenge after around three years with the company. In addition to Urs Meier, Dario Zogg (Chief Technology Officer) and Dominique Hügli (Chief Product Officer) complete the management team.

Dr. Felix R. Ehrat will take over as Chairman of the Board of Directors. He has been a member of the board since 2020.

«Loanboox is one of the best-known fintechs in Switzerland and has successfully driven digitalization in the area of marketplace lending. I am delighted to now actively shape the further development of the company as Chairman of the Board and wish the new management team great success. The entire Board thanks Philippe Cayrol for his valuable contributions and wishes him all the best in his future endeavors», says Felix R. Ehrat.

Felix R. Ehrat was a senior partner of the law firm Bär & Karrer for many years as well as a member of the Executive Committee and General Counsel of Novartis. During his professional career, he gained extensive experience in the financial services sector as chairman and member of the board of directors of several banks.

Stefan Mühlemann, the founder of Loanboox, is stepping down as chairman for health reasons, but will remain a member of the board of directors. The board of directors is completed by Oliver Lang, who has been a member since 2022.

3000 deals closed with a volume of CHF 30 billion

3000 deals closed with a volume of CHF 30 billion

In 2022 Loanboox crossed the milestone of 3000 closed transactions, representing almost CHF 30 billion in favour of municipalities, near-public entities and real estate companies. Whilst borrowing costs increased dramatically, for instance quadrupling in public sector in Switzerland, Loanboox’ 800 clients benefited from an easy access to 200 active investors and a digitally enabled service that saved them workload and money, up to CHF one million for the larger transactions.    

Loanboox entered the market six years ago with the vision to make debt capital markets more efficient, transparent and fast. To date, municipalities, cities, large companies, real estate companies and housing cooperatives have closed 3000 loans with a total volume of nearly CHF 30 billion. In 2022, 800 borrowers and 200 institutional lenders have used Loanboox’s products and services.   

Financing costs for public sector more than quadrupled  

Loanboox data shows that borrowing costs for the public sector in Switzerland increased significantly in 2022: In Q4 2022, the average interest rate offered for 10-year public sector loans increased by 1.7 percentage points, quadrupling compared to Q4 2021. For 5-year maturities, the average interest rate offered also increased by 1.7 percentage points in the same period, representing an even larger relative increase in interest costs. Loanboox helped its clients to navigate the uncertainty with hands-on transaction support as well as portfolio analysis to plan future debt financings adequately   

Real estate financing: CHF 250’000 savings per transaction

The higher the financing costs, the more worthwhile it is to compare options, as demonstrated by the newly created area of real estate financing at Loanboox: In 2022, real estate companies and housing cooperatives saved an average of 40% – CHF 250000 per transaction – with Loanboox. Clients include Ina Invest AG, Logement Idéal or the housing cooperative Aarau (ABAU). 

43 projects with attributable positive impact in 2022

In 2022, Loanboox closed a total of 591 financings in various sectors and countries. Of these, 43 financings with a volume of CHF 200 million are directly attributable to one of the UN’s Sustainable Development Goals : affordable housing, contribution to the energy transition, investment in health facilities and education projects. Since 2022, the label “Energiestadt” has been integrated on Loanboox. In addition, transparent processes enable borrowers to see the counterparties and terms before concluding a request, thus allowing them to include sustainable criteria in their decisions.

Expanding range of products and services   

In addition to providing easy and affordable financing, Loanboox has also expanded and developed its product offering in 2022 in the direction of debt management tools. Funds, real estate companies and large corporations and public-sector entities can thus manage their debt more efficiently and benefit from automation tools.   


Philippe Cayrol, CEO
Bühler, CMO
Talacker 50, 8001 Zürich 
+41 55 220 78 29,

Real estate companies save an average of CHF 250’000 per transaction via Loanboox

Real estate companies save an average of CHF 250’000 per transaction via Loanboox

Loanboox expanded its business activities in spring of this year and has since also been offering its services and tools in the real estate sector. After nine months a very positive interim conclusion can be drawn: Real estate companies and housing cooperatives have saved on average 40% per transaction with Loanboox Real Estate during the turbulent market situation; CHF 250’000 per transaction.   

The market situation is uncertain, lenders are more cautious, interest rates have risen sharply and are volatile. This is a difficult situation for many real estate companies and housing cooperatives. Loanboox, the leading financing platform, has set itself the goal of setting new standards in the industry and supporting customers in financing and loan management with innovative technology and customised services when it entered the market for mortgage financing of investment properties in spring 2022. 

«Real estate companies and housing cooperatives have saved an average of 40% in the last nine months thanks to Loanboox Real Estate – that’s CHF 250’000 per transaction. Every request was successfully completed.»

Says Patrick Zurfluh, Head of Real Estate Financing at Loanboox. The volumes concluded via Loanboox Real Estate ranged between CHF 2 and 22 million, with durations between 3 months and 15 years. 

Borrowers benefit from the advantages of the digital platform (efficient processes, data room, offer comparison, audit trail and expansion of the lender network) and professional, personal advice. Lenders, on the other hand, appreciate the broad access to attractive financing opportunities, the high quality of the financing dossier and the lean processes. 

«The financing requests from Loanboox Real Estate are professionally prepared and reduce our processing effort considerably. The factsheet and the platform allow us to make quick decisions and submit our financing offer easily», says Michael Müller, Director at UBS.  

The order book at Loanboox Real Estate is well filled, says Zurfluh: «More than 10 transactions are due in the next few months. The debt management tools are also in demand. Various large real estate investors want to get a comprehensive and digital overview of their loan portfolio with our technology. This enables them to make data-driven decisions.» 


Martina Bühler, CMO
Patrick Zurfluh, Head Real Estate Financing
Talacker 50, 8001 Zurich 
+41 55 220 78 29,

Real estate companies now refinance via Loanboox

Real estate companies now refinance via Loanboox

Loanboox, the leading financing platform, has modernised debt financing for the public sector. The company now also offers its services to housing cooperatives, real estate funds and real estate companies. For this purpose, Loanboox has added the experienced real estate financing expert Patrick Zurfluh to the team.  

To date, municipalities, cities and large companies have concluded 2’500 loans via Loanboox. Due to the high demand, the financing platform is now also offering its services to housing cooperatives, real estate funds and companies. 

The first pilot transactions have already been concluded in recent months. A housing cooperative from the canton of Zurich has saved 20% of its financing costs and more than halved its workload. With its new offering, Loanboox combines the advantages of the digital platform (digital offer comparison, efficient processes and access to a big lender network) with professional, personal advice. 

For this purpose, the financing expert Patrick Zurfluh joins the team as Head of Real Estate Financing. Patrick Zurfluh previously worked for Raiffeisen and Credit Suisse as a real estate financing specialist and explains:

«When working there, I noticed: Real estate financing should be simpler and more cost-efficient. That’s why I have joined Loanboox. I’m looking forward to helping real estate companies get their best financings.»

For lenders, Loanboox also creates advantages, by enabling wider access to opportunities and streamlined processes. In the digital data room, all documents and necessary information are available in one place and clearly synthetised. This eliminates the need for multiple back and forth between borrowers and lenders. Fair communication and clear deadlines are an advantage for all parties. Loanboox is open to partnerships with interested associations or organisations. 


Martina Bühler, CMO
Patrick Zurfluh, Head Real Estate Financing
Talacker 50, 8001 Zurich 
+41 55 220 78 29,