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In a market where liquidity and adaptability determine corporate success, structured financing becomes a strategic lever. Refinancing via bearer mortgage notes, together with mezzanine, junior, or senior financing, offers tools to optimize the capital structure, increase flexibility, and free up resources for growth.
1. The bearer mortgage note: the asset that unlocks funds
The bearer mortgage note is a hallmark instrument of Swiss law, combining legal certainty with the easy transfer of claims. It enables a property owner or a company to refinance existing assets without necessarily selling the underlying real estate. By transferring the note to a lender, the lender receives a direct security interest, while the borrower gains fresh liquidity on attractive terms.
At PrestaFlex, this type of transaction is used to reorganize mortgage debt or consolidate multiple commitments through a global refinancing, often in a second-lien setup or as bridge financing.
2. Second-lien financing: the logic of mezzanine credit
Mezzanine financing sits between senior (often bank) debt and equity. It is typically secured by a second-rank mortgage, with a higher interest rate in return for increased risk. Such facilities—often ranging from CHF 2 to 20 million for 12 to 36 months, in line with market practice—are used to cover temporary funding needs, acquire land, finance works, or accelerate a project prior to sale.
In this configuration, PrestaFlex acts as structurer and financing broker, orchestrating the relationship between mezzanine lenders, banks, and private investors. Leveraging its network of institutional partners and risk-modelling expertise, the firm enables clients to obtain flexible, fast, and non-dilutive financing.
3. Junior financing: the dynamic layer of capital
Junior financing ranks even lower in the repayment waterfall. It complements complex capital stacks where equity needs to be amplified without shareholder dilution. These loans—more flexible but riskier—can boost leverage for real-estate, industrial, or acquisition projects.
They are often embedded in three-tier structures (senior / mezzanine / junior), creating a multiplier effect on invested capital.
4. Senior loan: the base of the financial pyramid
Senior financing, typically provided by banks or institutional partners, remains first in priority for repayment and security. It is backed by a first-rank mortgage and benefits from the most favorable market terms. It forms the backbone of corporate or real-estate debt.
PrestaFlex works with cantonal, regional, and private banks to optimize the overall financing structure, while securing counterparties through comprehensive risk analysis (solvency, liquidity, integrity, stability, reputation) based on its internal assessment framework.
5. The PrestaFlex approach: tailor-made financial engineering
The PrestaFlex model follows a tested method:
- Needs and asset analysis (real estate, industrial, or intangible);
- Deal structuring according to key ratios (LTV, EBITDA, equity, interest coverage);
- Selection of financial partners suited to each layer of the capital stack;
- Legal and contractual coordination in line with the CDB (Swiss Bankers Association Due Diligence Agreement) and the Swiss Code of Obligations.
With this expertise, PrestaFlex acts as a conductor between banks, investors, and borrowers—ensuring compliance, transparency, and swift execution.
6. A sustainable financing vision
As Swiss SMEs increasingly rely on non-bank financing, PrestaFlex positions itself as a trusted player able to combine bank-grade rigor with entrepreneurial agility—whether for mortgage refinancing, debt restructuring, or growth financing… (text provided ends here).
An article by Munur Aslan, Managing Director at PrestaFlex
See also our articles Corporate financing Zurich and Corporate financing Geneva for a broader perspective.
In a market where liquidity and adaptability determine corporate success, structured financing becomes a strategic lever. Refinancing via bearer mortgage notes, together with mezzanine, junior, or senior financing, offers tools to optimize the capital structure, increase flexibility, and free up resources for growth.
1. The bearer mortgage note: the asset that unlocks funds
The bearer mortgage note is a hallmark instrument of Swiss law, combining legal certainty with the easy transfer of claims. It enables a property owner or a company to refinance existing assets without necessarily selling the underlying real estate. By transferring the note to a lender, the lender receives a direct security interest, while the borrower gains fresh liquidity on attractive terms.
At PrestaFlex, this type of transaction is used to reorganize mortgage debt or consolidate multiple commitments through a global refinancing, often in a second-lien setup or as bridge financing.
2. Second-lien financing: the logic of mezzanine credit
Mezzanine financing sits between senior (often bank) debt and equity. It is typically secured by a second-rank mortgage, with a higher interest rate in return for increased risk. Such facilities—often ranging from CHF 2 to 20 million for 12 to 36 months, in line with market practice—are used to cover temporary funding needs, acquire land, finance works, or accelerate a project prior to sale.
In this configuration, PrestaFlex acts as structurer and financing broker, orchestrating the relationship between mezzanine lenders, banks, and private investors. Leveraging its network of institutional partners and risk-modelling expertise, the firm enables clients to obtain flexible, fast, and non-dilutive financing.
3. Junior financing: the dynamic layer of capital
Junior financing ranks even lower in the repayment waterfall. It complements complex capital stacks where equity needs to be amplified without shareholder dilution. These loans—more flexible but riskier—can boost leverage for real-estate, industrial, or acquisition projects.
They are often embedded in three-tier structures (senior / mezzanine / junior), creating a multiplier effect on invested capital.
4. Senior loan: the base of the financial pyramid
Senior financing, typically provided by banks or institutional partners, remains first in priority for repayment and security. It is backed by a first-rank mortgage and benefits from the most favorable market terms. It forms the backbone of corporate or real-estate debt.
PrestaFlex works with cantonal, regional, and private banks to optimize the overall financing structure, while securing counterparties through comprehensive risk analysis (solvency, liquidity, integrity, stability, reputation) based on its internal assessment framework.
5. The PrestaFlex approach: tailor-made financial engineering
The PrestaFlex model follows a tested method:
- Needs and asset analysis (real estate, industrial, or intangible);
- Deal structuring according to key ratios (LTV, EBITDA, equity, interest coverage);
- Selection of financial partners suited to each layer of the capital stack;
- Legal and contractual coordination in line with the CDB (Swiss Bankers Association Due Diligence Agreement) and the Swiss Code of Obligations.
With this expertise, PrestaFlex acts as a conductor between banks, investors, and borrowers—ensuring compliance, transparency, and swift execution.
6. A sustainable financing vision
As Swiss SMEs increasingly rely on non-bank financing, PrestaFlex positions itself as a trusted player able to combine bank-grade rigor with entrepreneurial agility—whether for mortgage refinancing, debt restructuring, or growth financing… (text provided ends here).
An article by Munur Aslan, Managing Director at PrestaFlex
See also our articles Corporate financing Zurich and Corporate financing Geneva for a broader perspective.
Financing the new critical metals economy with PrestaFlex