Swiss Regulated · Member of VQF
Earn up to 17% returns investing directly in European businesses.
Figures as of Q1 2026 · CHF / EUR reporting
We look at who owns the business, what its accounts actually show, which customers and suppliers it depends on, and how it generates the cash to repay. Then we value the security behind the loan. Only after that does a project get a grade - and the reasoning behind that grade is published with it.
Security
Every grade — including the highest-yield — is collateral-backed and independently audited. Read the methodology →
The Fundamentals
A single, honest feed of European loans — graded, collateralised, and paid back monthly. No segmentation, no hidden tiers.
Interest lands in your account every month — reinvest it automatically or withdraw it. Returns are quoted net of all fees.
Every loan names its borrower and lists registered collateral. You see the risk grade and the reasoning behind it before you commit a single euro.
Build a diversified portfolio from €50 per project, spreading your capital across as many loans as you choose.
Eight projects currently open. One feed — no segmentation.
How it works
Register and complete a one-time Swiss-grade identity check. It takes a few minutes and keeps the platform compliant.
Browse the open feed, read each borrower's grade and collateral, and deploy from €50. Diversify across as many as you like.
Repayments arrive every month. Reinvest automatically to compound, or withdraw to your bank whenever you choose.
Welcome offer
Register and fund your account within 24 hours — the bonus lands in your portfolio automatically.
Register nowTakes 2 minutesFuture value
Projected balance at the end of the term, interest reinvested monthly.
In the press
“ brings Swiss-grade diligence to a market that badly needed it.”
“A rare P2P platform that leads with methodology over marketing.”
“Transparent grading sets apart from the pack.”
“Retail investors finally get an honest window into SME lending.”
Community · Telegram
1,800+ investors comparing projects, sharing diligence and talking strategy — moderated by our team.
First Sunday · Monthly
A monthly note on new projects, repayment performance and platform updates.
Built on Swiss foundations.
The Platform
CrowdHive is operated by BellaVista Invest One AG and supervised by SRO VQF, a FINMA-recognised Self-Regulatory Organisation under Article 24 of the Swiss AML Act.
We're a small editorial-led team based in Switzerland, building the platform with focus on transparency, fair fees, and honest project methodology.
Our investors fund European businesses directly. Every project has identified borrowers, real collateral, and a published risk grade.
The Editorial
Methodology breakdowns, default analysis, and market commentary from our editorial team.
Transparency on recovery means investors can verify our risk grades reflect reality. Our methodology and 18 months of data inside.
Where demand is heading, and what it means for rates.
A simple framework for diversifying from €50.
What BBB really means, and how we get there.
FAQ
Yes. CrowdHive is operated by BellaVista Invest One AG, a member of SRO VQF - a Self-Regulatory Organisation recognised by FINMA under Article 24 of the Swiss Anti-Money Laundering Act. SRO supervision covers anti-money-laundering compliance; we do not hold a banking licence.
Open projects currently range from roughly 10% to 17% net per annum, depending on grade and term. Interest is paid monthly. Returns are not guaranteed.
You can invest from €50 per project, with no platform fees. Most investors diversify across several projects to spread risk.
Every loan is backed by registered collateral. In the event of default we manage recovery against that collateral on investors' behalf and report transparently throughout.
Loans run to their agreed term - interest is paid monthly and principal is returned at maturity. Funds sitting in your account that are not committed to a loan can be withdrawn at any time.