Credit management from application to recovery

We offer our services as individual modules. As a customer, you can choose whether to purchase the entire range of services or just integrate individual services into your processes.

The services cover all (sub)steps of credit management from application to recovery. Even credit brokerage can be outsourced to the Kreditfabrik.

Full mortgage servicing

Full outsourcing comprises:

  • Credit applications
  • Credit analysis, pricing and creation of the credit application
  • Real estate evaluation
  • Credit decision and allocation
  • Automated contract processing
  • Review of credit conditions
  • Real estate lien system
  • Credit management and monitoring
  • Risk management
  • Reporting and documentation

Partial mortgage servicing

You maintain customer relations and negotiate the deals, we take care of the rest of the value chain. The focus is on increasing efficiency and automating management processes.

Mortgage brokerage

You are not yet offering mortgages but would like to enter the mortgage market? Or would you like to expand your existing portfolio without building your own infrastructure? We would also be happy to take care of mortgage brokerage for you. You specify the conditions, we sell your mortgages on the market.

The benefits for you


Massive efficiency gains

Thanks to reduced inspection efforts and the use of intelligent software, we guarantee cost leadership in servicing. An increase in the margin will become possible again, the return on investment will increase and advantageous offers can be made to customers.

Conversion Rate

Increase in the conversion rate

Since most of the verification is digital and automated, the time needed to prepare a quote is greatly reduced.

Compliance Konformitaet

Full compliance

All legal requirements – above all from the Anti-Money Laundering Act, AMLA – are strictly followed and observed. Thanks to an ICS and ISAE 3402, we work with tested processes and are clearly aware of the scope of the regulations.


Data protection and security

100% Swissness and professionalism in data management as well as in the protection of systems and data are a matter of course for us. We are very conscientious in our approach to data protection law and have specialist lawyers guide us through our processes.