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We make credit risk evaluation simple.

Highly efficient & accessible SME risk assessment

We provide the financial industry highly efficient & accessible SME risk assessment, without the need for complex and time-consuming processes.

Reduced uncertainty. Increased efficiency. Better decisions.

The reinvention of credit risk assessment for the digital world.


User Process

Our service is built with a clear focus on the digital world: Fully automated & easy-to-use.


Rating Engine

Our models produce the same output quality as bank models, with 10x less inputs.


Software Suite

Our engine is accompanied by a wide range of supporting software solutions, tailored to specific use-cases.

Fast & Easy


Integrate our solution with literally a single line of code and in minutes.

OnLoan is our ratyng-powered solution that digitizes the SME loan process for banks. It seamslessly integrates into the bank website and is fully customizable.






Product & Tech
matthias [at] ratyng.com



Commercial & Operations
volker [at] ratyng.com

Get in touch

Questions? Intersted in our products and solutions? Just leave your contact information and we will get in touch with you.

Online Loans for SME

IntegrationOne line of Code.

DesignJust as your website.

PrivacyHosted exclusively in Switzerland.

Launch1-3 Months

Onloan gives financial institutions the ability to offer actual online business loans. With a few clicks and just a handful of inputs, business can anonymously check not only if getting a loan is an option, but also what rates they could expect. If desired, the loan application can be completed in a couple of minutes.

Site Notice

General Information

OnLoan GmbH

Zürichbergstrasse 38

8044 Zürich

Represented by the managing directors: Volker Haushalter & Matthias Schaller


E-mail: hi@onloan.ch