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Unlock the Value of Your Assets
Prestaflex – Your Expert in Tailor-Made Financing Solutions
Introduction
The Lombard loan is a powerful financing solution for those who need quick liquidity without selling their financial assets.
Widely used by investors and high-net-worth individuals in Switzerland, it allows you to mobilize your wealth while maintaining your investments.
At Prestaflex, we help you structure your Lombard loan with tailor-made conditions for maximum efficiency.
What is a Lombard Loan?
A Lombard loan is a loan secured by the pledging of financial assets (such as stocks, bonds, investment funds, etc.).
In other words, your financial assets serve as collateral to obtain a credit line or a traditional loan.
Examples of assets that can be pledged:
- Listed stocks
- Government or corporate bonds
- Investment funds
- Blocked savings accounts
With this structure, you continue to benefit from the performance of your assets while using the borrowed capital for personal, professional, or investment needs.
How Does a Lombard Loan Work?
- Portfolio Evaluation
Your bank or Prestaflex assesses the value and quality of your financial assets. - Pledge Ratio Calculation
Depending on the asset type, a percentage of their value is accepted as collateral (e.g., 60–90% for high-grade bonds, 50–70% for stocks). - Credit Setup
You receive a credit line or a loan, often with flexible repayment terms. - Portfolio Monitoring
In case of a significant drop in asset value, a margin call may be triggered.
Advantages of a Lombard Loan
✅ Immediate liquidity without selling your investments
✅ Attractive interest rates (generally lower than personal loans)
✅ Flexible use: personal projects, real estate, investments, business needs
✅ Tax optimization: possibility to deduct loan interests (depending on your situation)
✅ Continuation of your investment strategy: no loss of potential returns
Points of Attention
⚠️ Margin Call: If your portfolio’s value falls below the required coverage, you will need to provide additional funds or sell assets.
⚠️ Interest Rate Fluctuation: Lombard loans often come with variable rates. Prestaflex can also offer fixed-rate solutions if needed.
⚠️ Asset Selection: Not all assets are accepted as collateral. Illiquid or highly volatile securities may be excluded or heavily discounted.
Who Is a Lombard Loan For?
The Lombard loan is ideal for:
- Private investors with a significant financial portfolio
- Entrepreneurs looking to finance a project without liquidating their wealth
- Real estate buyers needing a quick advance while awaiting a mortgage
- Families wanting to finance projects (education, travel, investments) without selling assets
- Family offices optimizing liquidity management
Why Choose Prestaflex for Your Lombard Loan?
At Prestaflex, we offer much more than just a loan:
✅ Tailored analysis of your profile and needs
✅ Negotiation with multiple banks to secure the best terms (interest rate, pledge ratio, flexibility)
✅ Innovative solutions aligned with your wealth strategy
✅ Proactive management to anticipate any margin call risk
✅ Absolute confidentiality and operational efficiency
Thanks to our network of leading banking partners in Switzerland, we guarantee you fast and secure access to the Lombard loan best suited to your ambitions.
Practical Use Cases
🔹 Investing in residential real estate: Use a Lombard loan to finance a down payment without selling your portfolio.
🔹 Financing a business project: Unlock liquidity to launch a new venture while keeping your strategic assets intact.
🔹 Leveraging your investment strategy: Borrow at a low cost to invest in higher-yielding assets.
🔹 Anticipating personal needs: Finance your children's education, major purchases, or travels without compromising your financial plan.
Frequently Asked Questions about Lombard Loans
➔ Can I obtain a Lombard loan without Swiss residency?
Yes, Prestaflex works with banks that accept international clients under specific conditions.
➔ What is the minimum amount for a Lombard loan?
Generally from CHF 100,000 in portfolio value. Prestaflex offers solutions from CHF 50,000 in certain cases.
➔ What happens in case of a major market downturn?
A margin call will be triggered. We help you structure a security reserve to avoid forced liquidation.
➔ Can a Lombard loan be combined with a mortgage?
Yes, and it can be an effective strategy to optimize your real estate leverage.
Ready to Unlock the Value of Your Assets?
Request your free personalized study with Prestaflex today.
Our experts will guide you in building an agile, competitive, and 100% secure solution.
📞 Speak with a Prestaflex advisor today
💻 Request your offer online in just a few minutes
Prestaflex – Turn your wealth into opportunity, without compromise.
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Unlock the Value of Your Assets
Prestaflex – Your Expert in Tailor-Made Financing Solutions
Introduction
The Lombard loan is a powerful financing solution for those who need quick liquidity without selling their financial assets.
Widely used by investors and high-net-worth individuals in Switzerland, it allows you to mobilize your wealth while maintaining your investments.
At Prestaflex, we help you structure your Lombard loan with tailor-made conditions for maximum efficiency.
What is a Lombard Loan?
A Lombard loan is a loan secured by the pledging of financial assets (such as stocks, bonds, investment funds, etc.).
In other words, your financial assets serve as collateral to obtain a credit line or a traditional loan.
Examples of assets that can be pledged:
- Listed stocks
- Government or corporate bonds
- Investment funds
- Blocked savings accounts
With this structure, you continue to benefit from the performance of your assets while using the borrowed capital for personal, professional, or investment needs.
How Does a Lombard Loan Work?
- Portfolio Evaluation
Your bank or Prestaflex assesses the value and quality of your financial assets. - Pledge Ratio Calculation
Depending on the asset type, a percentage of their value is accepted as collateral (e.g., 60–90% for high-grade bonds, 50–70% for stocks). - Credit Setup
You receive a credit line or a loan, often with flexible repayment terms. - Portfolio Monitoring
In case of a significant drop in asset value, a margin call may be triggered.
Advantages of a Lombard Loan
✅ Immediate liquidity without selling your investments
✅ Attractive interest rates (generally lower than personal loans)
✅ Flexible use: personal projects, real estate, investments, business needs
✅ Tax optimization: possibility to deduct loan interests (depending on your situation)
✅ Continuation of your investment strategy: no loss of potential returns
Points of Attention
⚠️ Margin Call: If your portfolio’s value falls below the required coverage, you will need to provide additional funds or sell assets.
⚠️ Interest Rate Fluctuation: Lombard loans often come with variable rates. Prestaflex can also offer fixed-rate solutions if needed.
⚠️ Asset Selection: Not all assets are accepted as collateral. Illiquid or highly volatile securities may be excluded or heavily discounted.
Who Is a Lombard Loan For?
The Lombard loan is ideal for:
- Private investors with a significant financial portfolio
- Entrepreneurs looking to finance a project without liquidating their wealth
- Real estate buyers needing a quick advance while awaiting a mortgage
- Families wanting to finance projects (education, travel, investments) without selling assets
- Family offices optimizing liquidity management
Why Choose Prestaflex for Your Lombard Loan?
At Prestaflex, we offer much more than just a loan:
✅ Tailored analysis of your profile and needs
✅ Negotiation with multiple banks to secure the best terms (interest rate, pledge ratio, flexibility)
✅ Innovative solutions aligned with your wealth strategy
✅ Proactive management to anticipate any margin call risk
✅ Absolute confidentiality and operational efficiency
Thanks to our network of leading banking partners in Switzerland, we guarantee you fast and secure access to the Lombard loan best suited to your ambitions.
Practical Use Cases
🔹 Investing in residential real estate: Use a Lombard loan to finance a down payment without selling your portfolio.
🔹 Financing a business project: Unlock liquidity to launch a new venture while keeping your strategic assets intact.
🔹 Leveraging your investment strategy: Borrow at a low cost to invest in higher-yielding assets.
🔹 Anticipating personal needs: Finance your children’s education, major purchases, or travels without compromising your financial plan.
Frequently Asked Questions about Lombard Loans
➔ Can I obtain a Lombard loan without Swiss residency?
Yes, Prestaflex works with banks that accept international clients under specific conditions.
➔ What is the minimum amount for a Lombard loan?
Generally from CHF 100,000 in portfolio value. Prestaflex offers solutions from CHF 50,000 in certain cases.
➔ What happens in case of a major market downturn?
A margin call will be triggered. We help you structure a security reserve to avoid forced liquidation.
➔ Can a Lombard loan be combined with a mortgage?
Yes, and it can be an effective strategy to optimize your real estate leverage.
Ready to Unlock the Value of Your Assets?
Request your free personalized study with Prestaflex today.
Our experts will guide you in building an agile, competitive, and 100% secure solution.
📞 Speak with a Prestaflex advisor today
💻 Request your offer online in just a few minutes
Prestaflex – Turn your wealth into opportunity, without compromise.
Right of First Refusal in Switzerland 
Take over a Business in Switzerland