SWISS FUNDS a.s. is a Czech company, which has been providing short-term consumer loans since 2022 and holds a license from the Czech National Bank. Customers can apply for loans ranging from CZK 1,000 to CZK 20,000 with maturities of 15 to 30 days, with the option to extend the repayment period by an additional 30 days. The entire process is conducted online, and once approved, the funds are transferred directly to the customer’s bank account.

Loan decisions are based on automated credit scoring, data from credit registries, and open banking information. The system works with up-to-date data on income, liabilities, and bank account transactions, determines an individual credit limit, and supports ongoing repayment monitoring. As of the end of June 2025, the platform had nearly 17,000 registered users.

These are unsecured loans with very short maturities, making portfolio performance highly dependent on rapid capital turnover, data quality, and timely management of late payments. SWISS FUNDS finances 10% of each loan from its own funds and offers Bondster investments with a buyback guarantee.

The current return offered to investors on Bondster is 10.1% p.a.