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We make the gold standard for SME evaluation available to everyone in the market. Banks, Industry and SMEs themselves can now benefit from a transparent, fair and easily accessible standard.
Reduced uncertainty. Increased efficiency. Better decisions.
Our risk assessments are ready for use in any context, from banking to trade credit to your everyday business partner evaluation.
Our evaluations are taking the specific details of SMEs into account by combining multiple assessment approaches.
Our evaluations are easy to understand and use, they are available for all SMEs and it only takes minutes to get a full report.
Our solution is built with a clear focus on the digital world. Ready to simplify processes and help you be more efficient.
All our solutions are enabled by our revolutionary SME risk evaluation approach.
The new Swiss Standard for Digital Trust
Our software suite tailored specifically for use in banking
Loan eligibility information for SMEs - fast, anonymous & free
Our digital tool supporting conversations with business customers
We are constantly working on new ways to improve SME risk assessment. Our goal is to always provide the most truthful representation of reality for any SME.
Founder
Product & Tech
matthias [at] ratyng.com
Founder
Commercial & Operations
volker [at] ratyng.com
Questions? Intersted in our products and solutions? Just leave your contact information and we will get in touch with you.
Created in collaboration with our partner Intrum, CoRa revolutionizes SME credit rating, creates transparency and offers benefits for SMEs as well as their business partners.
Our digital certificate, evaluates SMEs and allows them to communicate their reliability without disclosing sensitive financial data. At the same time, the CoRa certificate allows SME business partners to rate the SME much more easily and reliably than any other option currently available. The CoRa Certificate: the new Swiss standard for digital trust.
Our software suite tailored specifically for use in banking
IntegrationOne line of Code.
DesignJust as your website.
PrivacyHosted exclusively in Switzerland.
OnLoan provides banks and other lenders the ability to offer true online business loans. With a few clicks and a handful of inputs, businesses can anonymously check not only if getting a loan is an option, but also what interest rate applies. The full loan application (including risk assessment) can be completed in a couple of minutes.
go to onloan.ch for more details.
SMEs often find getting a loan cumbersome. 8% of Swiss SMEs could use a loan, but never even apply for one. Our SME Loan Calculator helps SMEs answer the question if they are eligible for a loan. It is 100% anonymous, provides immediate feedback and best of all: it is completely free of charge.
The annual discussion with your business customers is a great opportunity to recap the last year and make plans for the next. Our Business Plan Tool (BTP) supports your conversation by guiding it along relevant topics, visualizing past financials, offering easy options for modelling future scenarios and much more.
The BPT combines 7 modules to support the conversation:
Dashboard provide a short overview of the customer and start into your conversation
Dialogues highlight relevant topics for the conversation
Diagrams visualize key figures and link them to dialogue topics
Working Capital Simulation show the impact of working capital on cash flow
Industry Benchmarks compare key figures with other companies from the industry
Debt Capacity determine the potential for additional financing
Scenarios develop a sustainable scenario and discuss investments opportunities to increase growth or reduce costs
Seamlessly integrated into your system, design and relying on existing data, the Business Plan Tool brings the conversations with your customers to the next level.
OnLoan GmbH
Zürichbergstrasse 38
8044 Zürich
Represented by the managing directors: Volker Haushalter & Matthias Schaller
E-mail: hi@onloan.ch
