Cost reduction of 52% for Swishfund

The brand

Swishfund is one of the fastest-growing providers of business loans in the Netherlands. With the promise “apply in five minutes, receive funds within one day,” they have been helping entrepreneurs secure flexible financing quickly and without hassle for years.

Objective

Performance was strong, but in a competitive market, standing still is not an option. The challenge was to gain more control over performance, increase efficiency, and maintain growth at the same time.

CroudX was brought in as a strategic partner. The assignment was clear: create a marketing structure that steers on value instead of volume, and that can scale without compromising the quality of results.

“With 52% lower costs and more applications, we now have control over every channel”

What we did

The challenge was not to advertise more, but to use existing resources more intelligently. That meant fewer assumptions, more evidence-based decisions, and a direct link between data and business goals. Within 90 days, we rebuilt the foundation based on four strategic pillars.

• Structuring the foundation
  We refined the existing marketing approach. With first-party tracking through Billy Grace, KPIs were directly tied to revenue goals. This measurable foundation allowed us to reduce costs by 52% while ensuring scalability.
• From assumptions to informed decisions
  With clear insight into performance at every funnel stage, optimization became a continuous process. We stopped steering on isolated click or conversion data, and instead focused on customer value and return.
• Campaign structure based on value
  The focus shifted from cost per lead to lead quality and the margin each lead generates. This strategic shift led to a 3.5% lower CPA and marked a move toward sustainable, long-term growth.
• One strategy, one direction
  Consistency across channels and customer journey stages created an integrated approach. Less noise and more control resulted in 15% more applications with lower spend.

The impact

Swishfund now manages marketing based on measurable value instead of isolated output. The result is less budget waste, higher ROI per campaign, and greater predictability.

Every marketing decision, from channel selection to budget allocation, is now made together with CroudX. This makes us more than an execution partner; we are a strategic sparring partner that continuously adds incremental value.

The foundation is in place, and we are now building toward a scalable and profitable growth strategy.