Online business credit and object lending trends

Digitalization is transforming how individuals and businesses access resources. In the professional sector, online business credit solutions are increasing, allowing entrepreneurs to simulate loans, verify eligibility, and manage documentation entirely online. These digital services aim to provide faster access to funds for equipment, stock, or cash flow management compared to traditional banking appointments.

In the consumer sector, the cooperative La Manivelle has become Switzerland’s largest object library. Operating through five branches in the Geneva region, the service allows users to borrow over 4,500 items—including tools, kitchen appliances, and camping gear—rather than purchasing them. The cooperative recorded 25,000 loans last year, promoting a model of resource sharing over individual ownership.