7Harvests Review 2026: Swiss Company, No Licence, No Track Record

7Harvests is an online lending platform operated by 7 Harvests AG, a Swiss joint-stock company based at Bahnhofplatz in Zug. Investors put money into loans to businesses and receive interest; the platform advertises target returns of up to 15% a year, from a €50 minimum.

It is very new. The company says it finished a private testing phase and opened to the public in May 2026, and its first borrower write-up was published on 29 May 2026. That makes it about four months old at the time of writing. The homepage claims "340+ investors". We could find no public statistics on loan volume, repayments or defaults.

This review is shorter than our reviews of established platforms for a simple reason: most of the things we normally measure — realised returns, default rates, recovery history, audited operating results — do not exist yet. What we can check is who runs the company, what the terms say, and whether the marketing matches them. The live figures are on the 7Harvests platform page.

According to its terms, 7 Harvests does not grant loans itself and is not a bank. A borrower signs a loan agreement, and 7 Harvests transfers the claims against that borrower to investors under a Claim Purchase & Assignment Agreement. What you buy is an assigned share of a loan claim, not a note or a regulated security.

The borrower repays 7 Harvests, which passes the money on. That puts 7 Harvests in the middle of every payment, and it matters for the insolvency question discussed below.

The one public loan

The only listing the platform has announced publicly is Bear and Boar, a craft brewery in Lithuania raising €250,000 for refinancing, working capital and equipment. The write-up states that security for this tranche is the founders' personal guarantees, with collateral over land, buildings and equipment promised for a later tranche. It also says, fairly, that most of the brewery's revenue history predates its new facility and that the growth case "requires execution that is still in progress".

The homepage describes consumer, SME and real-estate loans. Only a business loan is publicly visible so far, so any diversification is prospective.

The Zug commercial register shows 7 Harvests AG (UID CHE-356.409.118) was entered on 15 April 2024 under the name Toucan Technology Solutions AG. It became 7 Harvests AG in a change published in the Swiss Official Gazette of Commerce on 20 March 2026. A board member, Diogo André Pedroso Patão, left in a change published on 2 April 2026. Share capital is CHF 100,000.

The registered purpose still reads "technological development and management of advertising technologies and digital assets". It does not describe lending or financial intermediation, which is unusual for a company whose only visible business is a lending platform.

The board lists two members: Ričardas Vandzinskas, whom the platform names as founder and chairman, and Kurt Alexander Schöllhorn. Third-party reviews describe Mr Schöllhorn as an independent non-executive director and name a certified anti-money-laundering officer; the homepage mentions non-executive directors without naming them.

Mr Vandzinskas was previously co-founder and CEO of Hive5, an unlicensed consumer-loan platform, according to Hive5's own blog. Experience of running a platform is useful. It also means investors should judge 7Harvests on its own disclosures, not on its founder's earlier venture.

The terms state that the platform is "solely directed at Users with residency or legal seat in Switzerland" and that its services are offered to Swiss residents aged 18 or older. US persons are excluded. Some third-party reviews say non-Swiss investors can register if they confirm they approached the platform on their own initiative; if you live outside Switzerland, read the terms before you apply.

1. 1Register with your email address and accept the terms.
2. 2Verify your identity. The platform's anti-money-laundering policy names SumSub as its verification provider, with daily sanctions and PEP rechecks.
3. 3Open a EUR or CHF account and deposit by SEPA transfer or one of the listed payment providers.
4. 4Invest manually in a listed loan, or set up automated investing, which the FAQ says you can adjust or stop at any time.

With one public loan, auto-invest has almost nothing to spread across. Before you deposit, read the buyback and regulation sections below.

Opening an account on 7Harvests is quick: registration is free, and the platform says identity verification usually takes up to a minute.

Signing up

The process is a short online form: an email address, a password, an onboarding questionnaire and acceptance of the terms, followed by email confirmation. For verification, 7Harvests asks for a valid identity document and a document of the investor's choice showing their address. The FAQ states that this step "usually takes up to a minute".

Deposits and withdrawals

Investors can hold a EUR or CHF account. Money comes in by SEPA bank transfer or through payment providers such as Monetley, Caxton and Narvi, and the available methods are shown inside the account after registration. 7Harvests charges no commission on deposits or withdrawals. Withdrawals are requested directly from the account and go to the investor's verified bank account. Deposited cash is meant to be invested or withdrawn within 30 days.

Investing

Investments start at €50. Loans can be picked one by one, or the auto-invest tool can spread money across projects that match chosen criteria. The FAQ says automated investing can be adjusted or stopped at any time.

Platform and support

7Harvests runs in the browser, and the site links to no mobile app. The personal account shows the state of an investor's finances at any time, and public statistics are available on the website. The terms promise a service centre reachable by chat, email or phone, and the homepage lists a Swiss phone number and a support email address. No support hours or tax report are mentioned.

The fee position is simple: 7Harvests says it charges investors no fees for investing, depositing or withdrawing. It earns a success fee from borrowers, whose amount the terms do not state.

• Deposits: SEPA bank transfer, or CHF and EUR payments through third-party payment providers such as Monetley, Caxton and Narvi. The €50 minimum may be higher for some payment methods.
• Withdrawals: uninvested cash can be withdrawn to the bank account it came from. The terms warn that transfers "may take several days to process".
• Invested money: the terms say it cannot be withdrawn until the project closes.

The terms describe a secondary market where investors could sell claims to each other, but the FAQ says investments are "generally held until maturity", and we found no evidence that a secondary market is operating. Treat any money you invest as locked in for the full loan term.

The platform's own pages do not agree on the headline number. The homepage says "target returns of from 15%" and, lower down, "typically ranging from 8% to 15% annually". The FAQ and the current terms say up to 15%.

On top of that, the 7Circle programme adds bonuses: loyalty tiers of +1% to +3% depending on the amount invested, and permanent referral boosts of +0.5% or +1% when you bring in other investors of €10,000 or €35,000. Stacked on the 15% headline, that reaches 19%.

None of these figures is a realised return. There is no statistics page, no loan book and no repayment history, so there is no average rate across a portfolio, no default rate and no net return after losses. A 15% rate on a loan to a small brewery is the price of that borrower's risk. The bonuses reward bringing in more money and other people's money; they do not change the credit risk of the loan.

One independent reviewer reported earlier this year that the binding terms gave a €500 minimum and "up to 12%". The terms we read on 21 September 2026 say €50 and up to 15%, in line with the website. They carry no version date, so it is not possible to tell when that changed.

The terms say every loan carries a buyback guarantee: if the borrower is more than 60 days late, "the loan originator" buys the claim back in full with accrued interest. A June 2026 blog post adds a second layer: if the originator cannot pay, 7Harvests itself steps in, and it says it keeps a minimum 10% cash-to-portfolio ratio from its own liquid capital to do so.

Two things limit what this is worth.

First, for the one public loan, we could not identify an originator separate from 7 Harvests. The terms define no originator entity, and the Bear and Boar write-up names none. Where the platform is the only party standing behind a loan, the buyback is 7 Harvests' promise to repurchase claims it arranged itself.

Second, that promise is only as strong as 7 Harvests' balance sheet. The last published figures, for the period to 31 December 2025, show cash of CHF 17,198 and equity of CHF 12,305. The 10% reserve cannot be checked, because no portfolio or reserve figures are published. The platform's own blog is candid that the buyback cannot cover the case where both the originator and 7Harvests fail.

The homepage markets "Triple-Shield investor protection": Swiss regulatory oversight, the buyback and platform-level safeguards. The first shield is not what it sounds like (see below), and the other two both depend on the same small company.

7Harvests describes itself as "Swiss regulated" and "aligned with Swiss Self-Regulatory Organisation (SRO) standards". Its terms are more precise, and they say something different:

• 7 Harvests "is not directly supervised by the Swiss Financial Market Authority" (FINMA);
• investor funds "are not subject to the Swiss bank deposit insurance";
• "under Swiss bankruptcy law, Investor funds are not privileged in the event of 7 Harvests' bankruptcy".

The same terms call 7 Harvests "a crowdfunding platform subject to the supervision of a Swiss regulator" without naming one. The anti-money-laundering policy, approved on 31 March 2026, refers to VQF's regulations and to being affiliated with an SRO. Third-party reviews published between July and mid-September 2026 report that the VQF application was still being processed, and we found no public confirmation that membership has been granted. VQF does not publish an open member search that we could use.

Even if membership is granted, an SRO under the Anti-Money Laundering Act supervises money-laundering controls. It does not license lending, check capital adequacy or compensate investors when loans or platforms fail.

The terms say client money is held in a separate account from the company's operating account, and third-party reviews report it is at Swiss banks. That is worth having. But the terms themselves say investor funds are not privileged in a bankruptcy. This is not a bank deposit, and no compensation scheme applies. Compare our methodology for how we score unlicensed platforms.

The only financial statements we could find are for the pre-launch company. bePartner AG of Lucerne issued a report dated 30 January 2026 under Art. 725a para. 2 of the Swiss Code of Obligations, covering 15 April 2024 to 31 December 2025:

• revenue: nil;
• loss for the period: CHF 87,695;
• equity: CHF 12,305 against share capital of CHF 100,000;
• total assets: CHF 17,405, almost all of it cash.

The auditor found nothing to suggest the accounts breached Swiss law, but drew attention to the fact that half of the share capital and legal reserves was no longer covered — a capital loss under Swiss company law. The platform publishes this report itself, which deserves credit.

These figures predate the launch and may have changed since. But they are the only independent numbers available, and the buyback depends on them.

Why the record cannot be judged yet

A lending platform proves itself when loans go wrong: how it reports late payments, whether buybacks are paid, how recoveries work. With one public loan of up to 12 months announced in May 2026, 7Harvests has not yet reached a single maturity. No default, delay or recovery can have been tested. The homepage says performance is "audited and reported quarterly, with key statistics made publicly available", and the FAQ points to a Public Statistics section, but we found no such page. Until it exists, there is nothing to measure.

1. 1Platform risk. Everything runs through one small company that reported CHF 12,305 of equity before launch. If it fails, its own terms say investor funds are not privileged.
2. 2Buyback risk. The second-layer buyback comes from 7 Harvests. It offers nothing if 7 Harvests cannot pay.
3. 3Concentration. One public loan to one Lithuanian brewery, secured for now by personal guarantees.
4. 4No regulation. No FINMA licence, no confirmed SRO membership, no compensation scheme.
5. 5No exit. No working secondary market; money stays in until the loan ends.
6. 6Information risk. No statistics page, marketing that contradicts the terms, and terms without a version date.
7. 7Currency risk if you invest in a currency other than your own.

If you want to see how a young, unlicensed platform with a similar model has fared over a longer period, compare 7Harvests vs Hive5, and read our risks guide.

This is general information, not tax advice. How interest from 7Harvests is taxed depends on your country of tax residence.

The terms make investors "solely responsible" for all tax obligations, and mention that withholding tax may apply, without stating a rate or saying whether 7 Harvests withholds anything. We found no information on an annual tax statement. Keep your own records of every payment received and every loan outstanding at year end.

Swiss residents normally declare interest as income and the outstanding claims as wealth. Investors elsewhere will usually need to declare the income at home. Losses on defaulted claims are treated differently from country to country. Check with a tax adviser before you invest a meaningful amount.