{"id":31833,"date":"2026-08-14T06:32:56","date_gmt":"2026-08-14T06:32:56","guid":{"rendered":"https:\/\/multicredit.ch\/?page_id=31833"},"modified":"2026-08-14T11:54:32","modified_gmt":"2026-08-14T11:54:32","slug":"mezzanine-financing-in-switzerland","status":"publish","type":"page","link":"https:\/\/multicredit.ch\/en\/alternative-financing\/mezzanine-financing-in-switzerland\/","title":{"rendered":"Mezzanine Financing in Switzerland"},"content":{"rendered":"
[vc_row full_width=”stretch_row” el_class=”section-l section-content-narrow”][vc_column][vc_row_inner css=”.vc_custom_1752759875971{padding-top: 3% !important;padding-bottom: 3% !important;}”][vc_column_inner]<\/p>\n

Bridge the Gap to Your Next Stage of Growth<\/H2><\/p>\n

Flexible capital between traditional lending and equity investment.<\/h4>\n<\/div>\n

[vc_wp_text el_class=”white-texte”]Your villa, primary residence, secondary home, or income-generating property is more than real estate. It is capital.<\/p>\n

The real question is not whether you have equity tied up in your property. The real question is: how can you use it strategically without selling under pressure?<\/p>\n

Mezzanine financing \u2014 also known as junior debt or second-ranking financing \u2014 is an alternative solution that complements your existing mortgage.[\/vc_wp_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” content_placement=”middle” el_class=”section-l section-content-wide” css=”.vc_custom_1786624848328{margin-bottom: 0px !important;padding-bottom: 0px !important;}”][vc_column width=”1\/2″][vc_single_image image=”31837″ img_size=”full” alignment=”center” css=”.vc_custom_1786689435696{margin-bottom: 0px !important;padding-bottom: 0px !important;}”][\/vc_column][vc_column width=”1\/2″ css=”.vc_custom_1786624335135{margin-bottom: 0px !important;padding-bottom: 0px !important;}”]<\/p>\n

What Is Mezzanine Financing?<\/H2><\/div>\n

[vc_column_text]Mezzanine financing is a loan secured by a second-ranking (or sometimes third-ranking) mortgage note, positioned behind your primary bank.<\/p>\n

In case of enforcement, the first-ranking lender is repaid first. The mezzanine lender therefore takes higher risk \u2014 which explains:<\/p>\n

Shorter duration (12 to 60 months)
\nOften interest-only with bullet repayment (in fine)
\nStrong focus on property value and exit strategy<\/p>\n

This structure does not replace your existing mortgage. It enhances it.[\/vc_column_text][\/vc_column][\/vc_row][vc_section full_width=”stretch_row” css=”.vc_custom_1786691225365{padding-bottom: 0px !important;background-color: #f4f4f4 !important;}”][vc_row full_width=”stretch_row” el_class=”section-l section-content-wide” css=”.vc_custom_1786691219386{padding-bottom: 0px !important;}”][vc_column]<\/p>\n

Typical Use Cases<\/H2><\/div>\n

[vc_column_text]Mezzanine financing is particularly relevant in the following situations:[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section][vc_row full_width=”stretch_row” css=”.vc_custom_1786691106701{padding-bottom: 0px !important;background-color: #f4f4f4 !important;}” el_class=”section-l section-content-wide”][vc_column width=”1\/3″][vc_custom_heading text=”1″ font_container=”tag:h3|font_size:6rem|text_align:left|color:%23e9003c|line_height:6rem” google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:800%20bold%20regular%3A800%3Anormal”][vc_column_text]<\/p>\n

Transitional Sale & Purchase<\/h4>\n

Selling your villa and buying a new apartment or holiday property?<\/p>\n

A mezzanine bridge loan can cover the timing gap between purchase and sale \u2014 preserving your negotiation power.[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_custom_heading text=”2″ font_container=”tag:h3|font_size:6rem|text_align:left|color:%23e9003c|line_height:6rem” google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:800%20bold%20regular%3A800%3Anormal”][vc_column_text]<\/p>\n

Real Estate Cash-Out<\/h4>\n

Your property value has increased but your bank refuses to increase your mortgage (age restrictions, retirement ratios, internal policy limits)?<\/p>\n

Junior debt allows you to release liquidity without selling.[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_custom_heading text=”3″ font_container=”tag:h3|font_size:6rem|text_align:left|color:%23e9003c|line_height:6rem” google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:800%20bold%20regular%3A800%3Anormal”][vc_column_text]<\/p>\n

Investing in Your Business<\/h4>\n

You want to invest in your company, participate in an acquisition, or strengthen working capital?<\/p>\n

Available mortgage notes can serve as collateral.[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1786690730947{padding-top: 0px !important;background-color: #f4f4f4 !important;}” el_class=”section-l section-content-wide”][vc_column width=”1\/3″][vc_single_image image=”31840″ img_size=”full”][\/vc_column][vc_column width=”1\/3″][vc_custom_heading text=”4″ font_container=”tag:h3|font_size:6rem|text_align:left|color:%23e9003c|line_height:6rem” google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:800%20bold%20regular%3A800%3Anormal”][vc_column_text]<\/p>\n

Real Estate Development or Land Acquisition<\/h4>\n

Acquisition of high-potential land, short-term development projects, or financing prior to resale.[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_custom_heading text=”5″ font_container=”tag:h3|font_size:6rem|text_align:left|color:%23e9003c|line_height:6rem” google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:800%20bold%20regular%3A800%3Anormal”][vc_column_text]<\/p>\n

Buying Property Abroad<\/h4>\n

Swiss banks often do not directly finance foreign real estate.<\/p>\n

A mezzanine loan secured on your Swiss property can provide the necessary leverage.[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” el_class=”section-l section-content gradient-bck”][vc_column][vc_raw_html]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[\/vc_raw_html][\/vc_column][\/vc_row][vc_row el_class=”section-l”][vc_column width=”1\/2″]<\/p>\n

Why Work With an Independent Expert?<\/H2><\/div>\n

[vc_column_text]Traditional banks operate within standardized risk models.
\nMezzanine financing requires:<\/p>\n

    \n
  • A realistic valuation of the property<\/li>\n
  • A credible and structured exit plan<\/li>\n
  • Customized structuring<\/li>\n<\/ul>\n

    We work with private investors, family offices, and specialized funds capable of assessing risk case by case.[\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_single_image image=”31842″ img_size=”full”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” gap=”30″ equal_height=”yes” css=”.vc_custom_1786707898478{padding-top: 6rem !important;padding-bottom: 3rem !important;background-color: #fafafa !important;}” el_class=”section-content-wide”][vc_column width=”1\/3″ css=”.vc_custom_1786707658221{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-left-color: #eeeeee !important;border-left-style: solid !important;border-right-color: #eeeeee !important;border-right-style: solid !important;border-top-color: #eeeeee !important;border-top-style: solid !important;border-bottom-color: #eeeeee !important;border-bottom-style: solid !important;border-radius: 25px !important;}” data_aos=”fade-up” data_aos_delay=”0″][vc_icon icon_fontawesome=”fas fa-info-circle” color=”custom” size=”lg” custom_color=”#e9003c” css=”.vc_custom_1786707327211{padding-top: 48px !important;padding-right: 48px !important;padding-left: 48px !important;}”][vc_column_text css=”.vc_custom_1786707337796{padding-right: 48px !important;padding-left: 48px !important;}”]<\/p>\n

    The Economic Logic Behind Mezzanine<\/h5>\n

    [\/vc_column_text][vc_separator color=”custom” accent_color=”#eeeeee” el_class=”mc-separator separator-gray”][vc_column_text css=”.vc_custom_1786707394229{padding-right: 48px !important;padding-bottom: 24px !important;padding-left: 48px !important;}”]One fundamental rule: mezzanine financing must always include a clear exit strategy<\/strong>.<\/p>\n

    Typical exits include:<\/p>\n

      \n
    • Sale of the property<\/li>\n
    • Future bank refinancing<\/li>\n
    • Business liquidity event<\/li>\n
    • Inheritance or asset restructuring<\/li>\n<\/ul>\n

      Without a credible exit, mezzanine becomes expensive.
      \nWith a structured strategy, it becomes a powerful financial lever.[\/vc_column_text][\/vc_column][vc_column width=”1\/3″ css=”.vc_custom_1786707667097{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-left-color: #eeeeee !important;border-left-style: solid !important;border-right-color: #eeeeee !important;border-right-style: solid !important;border-top-color: #eeeeee !important;border-top-style: solid !important;border-bottom-color: #eeeeee !important;border-bottom-style: solid !important;border-radius: 25px !important;}” data_aos=”fade-up” data_aos_delay=”150″][vc_icon icon_fontawesome=”fas fa-info-circle” color=”custom” size=”lg” custom_color=”#e9003c” css=”.vc_custom_1786707403578{padding-top: 48px !important;padding-right: 48px !important;padding-left: 48px !important;}”][vc_column_text css=”.vc_custom_1786707467738{padding-right: 48px !important;padding-left: 48px !important;}”]<\/p>\n

      Who Is It For?<\/h5>\n

      [\/vc_column_text][vc_separator color=”custom” accent_color=”#eeeeee” el_class=”mc-separator separator-gray”][vc_column_text css=”.vc_custom_1786707500912{padding-right: 48px !important;padding-bottom: 24px !important;padding-left: 48px !important;}”]<\/p>\n

        \n
      • Owners of villas and high-value residential property<\/li>\n
      • Income-property investors<\/li>\n
      • Entrepreneurs and executives<\/li>\n
      • High-net-worth individuals seeking flexibility<\/li>\n<\/ul>\n

        [\/vc_column_text][\/vc_column][vc_column width=”1\/3″ css=”.vc_custom_1786707672951{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-left-color: #eeeeee !important;border-left-style: solid !important;border-right-color: #eeeeee !important;border-right-style: solid !important;border-top-color: #eeeeee !important;border-top-style: solid !important;border-bottom-color: #eeeeee !important;border-bottom-style: solid !important;border-radius: 25px !important;}” data_aos=”fade-up” data_aos_delay=”300″][vc_icon icon_fontawesome=”fas fa-info-circle” color=”custom” size=”lg” custom_color=”#e9003c” css=”.vc_custom_1786707427027{padding-top: 48px !important;padding-right: 48px !important;padding-left: 48px !important;}”][vc_column_text css=”.vc_custom_1786707537095{padding-right: 48px !important;padding-left: 48px !important;}”]<\/p>\n

        Flexibility & Strategic Freedom<\/h5>\n

        [\/vc_column_text][vc_separator color=”custom” accent_color=”#eeeeee” el_class=”mc-separator separator-gray”][vc_column_text css=”.vc_custom_1786707609418{padding-right: 48px !important;padding-bottom: 24px !important;padding-left: 48px !important;}”]Mezzanine financing is not a comfort solution.
        \nIt is a strategic tool.<\/p>\n

        It allows you to:<\/p>\n

          \n
        • Avoid forced or premature sales<\/li>\n
        • Seize time-sensitive opportunities<\/li>\n
        • Optimize market timing<\/li>\n
        • Restructure assets intelligently<\/li>\n<\/ul>\n

          [\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1786708011519{padding-top: 0px !important;padding-bottom: 6rem !important;background-color: #fafafa !important;}” el_class=”section-content-wide”][vc_column][vc_row_inner css=”.vc_custom_1786707986467{padding-top: 3rem !important;}” el_class=”section-l”][vc_column_inner][vc_wp_text el_class=”white-texte”]In an environment where banks are increasingly conservative \u2014 especially regarding age, retirement, and regulatory capital constraints \u2014 junior debt offers a structured alternative.<\/p>\n

          Smart finance is not about increasing debt.
          \nIt is about using the right instrument at the right moment.<\/p>\n

          Your real estate can become a strategic lever \u2014 provided the structuring is disciplined and the exit is clearly defined.<\/p>\n

          Each case is assessed confidentially, pragmatically, and with a solution-oriented mindset.[\/vc_wp_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/section>\n","protected":false},"excerpt":{"rendered":"

          [vc_row full_width=”stretch_row” el_class=”section-l section-content-narrow”][vc_column][vc_row_inner css=”.vc_custom_1752759875971{padding-top: 3% !important;padding-bottom: 3% !important;}”][vc_column_inner][vc_wp_text el_class=”white-texte”]Your villa, primary residence, secondary home, or income-generating property is more than real estate. It is capital. The real question is not whether you have equity tied up in your property. The real question is: how can you use it strategically without selling under pressure? Mezzanine […]<\/p>\n","protected":false},"author":24,"featured_media":31836,"parent":31076,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-credit.php","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[],"class_list":["post-31833","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/31833","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=31833"}],"version-history":[{"count":6,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/31833\/revisions"}],"predecessor-version":[{"id":31838,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/31833\/revisions\/31838"}],"up":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/pages\/31076"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/31836"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=31833"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=31833"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}