7Harvests

Switzerland · Business · Founded 2026

Our score

2.6

Average return

15.0%

target rate, not guaranteed

Provisional — the platform is under two years old and has no meaningful track record yet.

Regulation: No licence. The terms state the company is not supervised by the Swiss financial market authority; a self-regulatory anti-money-laundering membership is reported as applied for, not granted

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Our verdict

7 Harvests AG, a Zug company that launched its platform in May 2026, has one publicly announced loan: a EUR 250,000 raise for the Lithuanian brewery Bear and Boar, published on 29 May 2026. Its marketing says 'Swiss regulated', but its own terms state it is not directly supervised by FINMA, that investor money is not covered by Swiss deposit insurance and that investor funds are not privileged if it goes bankrupt. The second layer of the buyback is 7 Harvests' own promise, no separate originator is named for the public loan, and the pre-launch accounts reviewed by bePartner AG showed CHF 12,305 of equity and a CHF 87,695 loss. There is no statistics page, no repayment history and no working secondary market, so there is nothing yet to assess.

Read our full 7Harvests reviewRegulation, returns, fees, risks and our verdict — in depth.

What works

A traceable Swiss company: 7 Harvests AG is in the Zug commercial register with a named board and CHF 100,000 share capital, not an anonymous offshore vehicle
A named external auditor, bePartner AG, whose report the platform publishes, capital-loss note included
EUR 50 minimum and no deposit, investment or withdrawal fees for investors
The terms state client money is held apart from the company's operating account, and the first loan's write-up states its security and execution risk plainly

What doesn't

The 'Swiss regulated' marketing contradicts the terms, which say 7 Harvests is not directly supervised by FINMA and investor funds are neither insured nor privileged in its bankruptcy
No track record: launched May 2026, one public loan, no maturities reached and the statistics page returns a 404
The second-layer buyback is 7 Harvests' own promise and only as strong as a company that reported CHF 12,305 of equity and a CHF 87,695 loss before launch, with its auditor noting a capital loss
A secondary market exists on paper only, so invested money is locked until the project closes

Who this is for

Nobody yet: the terms limit it to Swiss residents, and even they should wait for a statistics page, several unrelated borrowers and a year of repayments.

How the score breaks down

How this score is calculated

Regulation30%2.5/10

Track record25%2.0/10

Transparency15%2.0/10

Liquidity15%3.0/10

Diversification10%3.5/10

Yield sanity5%4.2/10

Each dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.

Figure taken from: 7harvests.ch · Sep 19, 2026 · A target, not a realised figure: no portfolio statistics exist. The homepage says 'from 15%' while the FAQ says 'up to 15%', and the statistics page the FAQ points to returns a 404.

This platform blocked our automated check, so this figure is carried over from the previous reading rather than confirmed today.