Since 1999
Mezzanine Financing in Switzerland
Finance your projects
What Is Mezzanine Financing?
Mezzanine financing is a loan secured by a second-ranking (or sometimes third-ranking) mortgage note, positioned behind your primary bank.
In case of enforcement, the first-ranking lender is repaid first. The mezzanine lender therefore takes higher risk — which explains:
Shorter duration (12 to 60 months)
Often interest-only with bullet repayment (in fine)
Strong focus on property value and exit strategy
This structure does not replace your existing mortgage. It enhances it.
Typical Use Cases
Mezzanine financing is particularly relevant in the following situations:
1
Transitional Sale & Purchase
Selling your villa and buying a new apartment or holiday property?
A mezzanine bridge loan can cover the timing gap between purchase and sale — preserving your negotiation power.
2
Real Estate Cash-Out
Your property value has increased but your bank refuses to increase your mortgage (age restrictions, retirement ratios, internal policy limits)?
Junior debt allows you to release liquidity without selling.
3
Investing in Your Business
You want to invest in your company, participate in an acquisition, or strengthen working capital?
Available mortgage notes can serve as collateral.
4
Real Estate Development or Land Acquisition
Acquisition of high-potential land, short-term development projects, or financing prior to resale.
5
Buying Property Abroad
Swiss banks often do not directly finance foreign real estate.
A mezzanine loan secured on your Swiss property can provide the necessary leverage.
Loan Amounts & Duration
- Amounts: CHF 100,000 to CHF 10,000,000
- Duration: 12 to 60 months
- Flexible structure: amortizing or bullet repayment
- Early repayment possible
Why Work With an Independent Expert?
Traditional banks operate within standardized risk models.
Mezzanine financing requires:
- A realistic valuation of the property
- A credible and structured exit plan
- Customized structuring
We work with private investors, family offices, and specialized funds capable of assessing risk case by case.
The Economic Logic Behind Mezzanine
One fundamental rule: mezzanine financing must always include a clear exit strategy.
Typical exits include:
- Sale of the property
- Future bank refinancing
- Business liquidity event
- Inheritance or asset restructuring
Without a credible exit, mezzanine becomes expensive.
With a structured strategy, it becomes a powerful financial lever.
Who Is It For?
- Owners of villas and high-value residential property
- Income-property investors
- Entrepreneurs and executives
- High-net-worth individuals seeking flexibility
Flexibility & Strategic Freedom
Mezzanine financing is not a comfort solution.
It is a strategic tool.
It allows you to:
- Avoid forced or premature sales
- Seize time-sensitive opportunities
- Optimize market timing
- Restructure assets intelligently
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T: 041 726 71 00 M: 079 936 31 75
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