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Why choose PrestaFlex to overcome your company’s financing challenges?
In today’s increasingly demanding economic environment—where access to bank credit faces ever‑stricter requirements—PrestaFlex offers a comprehensive solution combining expertise, responsiveness, and security. With over 12 years of experience in the Swiss market and a network of more than 40 financial partners (cantonal banks, insurers, pension funds, family offices, alternative funds), PrestaFlex guides each entrepreneur in structuring and securing financing tailored to their operational reality.
We arrange business loans from CHF 100,000 up to CHF 2 million, depending on your profile and company history.
1. Understand and diagnose – a pragmatic approach
Before proposing any financing, PrestaFlex conducts a customized financial audit—delivered within 48 hours—that:
- Analyzes cash flows and identifies tension periods: seasonal peaks or production‑cycle bottlenecks often go unnoticed by traditional banks.
- Maps out working capital needs (WCN): accurately measures the gap between inflows and outflows to size financing optimally.
- Revisits cost and margin structure: highlights profitability levers and reassures lenders.
Example: An industrial SME near Lausanne faced unexpected cash shortfalls during its high season. Thanks to PrestaFlex’s audit, the financing request was recalibrated and a CHF 2 million loan approved in under 10 business days—after a cantonal bank had initially refused any line of credit.
2. Design bespoke financing packages
Rather than pushing a one‑size‑fits‑all product, PrestaFlex develops several scenarios, each aligned with the company’s constraints and ambitions:
- Traditional amortizing loan – ideal for linear investments (machinery, operating real estate), with fixed installments and rates for long‑term clarity.
- Mezzanine or subordinated debt – a hybrid solution that limits collateral while keeping financing costs competitive. Perfect for companies wishing to preserve future borrowing capacity.
- Revolving credit line – to manage seasonal swings, fund inventory, or cover one‑off needs without repeated renegotiations.
- Crowdfunding / participative financing – opening equity to an investor community with controlled communications to boost visibility and diversify funding sources.
- More advanced structures (LBO, bond refinancing) – for larger SMEs and mid‑caps, enabling sophisticated buy‑out or restructuring operations.
Illustration: A tech start‑up in Zurich secured CHF 500 K via a mezzanine structure combining private lending and a partial guarantee from a cantonal bank—avoiding equity dilution and achieving a lower all‑in cost than a standard loan.
3. Negotiate and secure the best terms
PrestaFlex’s strength lies in its total independence from financial institutions. Each file is shopped around, yielding:
- Optimized rates: e.g. a fixed 1.8 % rate over seven years for an industrial project, versus 2.3 % from the competition.
- Reduced collateral requirements: acceptance of partial guarantees (e.g. only on stock or receivables) without pledging operating real estate.
- Strict adherence to timelines: from dossier submission to firm offer, within 10 business days maximum—so growth isn’t stalled.
4. Security and sustainability: the foundations of our relationship
- Swiss‑standard data protection: in‑country hosting, 256‑bit encryption, ISO 27001 certification, and full compliance with banking secrecy.
- Transparent pricing: a single, clearly itemized fee (audit, structuring, monitoring) with no hidden charges or surprise commissions.
- Long‑term partnerships: over 550 companies supported—industrial players, hotel groups, and service SMEs—with a total of CHF 1.4 billion financed.
Case in point: A hotel group seeking CHF 8 million to renovate several properties entrusted PrestaFlex with the deal. From LBO structuring to coordinating funding banks, we delivered funds in under three weeks despite tight deadlines and complex requirements.
5. End‑to‑end support, through post‑financing follow‑up
| Phase | PrestaFlex Intervention | Benefit to the Company |
|---|---|---|
| Initial assessment | Financial & legal audit within 48 h | Immediate clarity on financing needs |
| Financing scenarios | Presentation of 2–4 costed, compared structures | Optimal choice aligned with strategy |
| Dossier preparation | Drafting, document gathering & simulations | Streamlined process, time savings |
| Negotiation | Support at credit committee presentations | Better terms and rates |
| Disbursement | Administrative & legal follow‑through to funding | Swift availability of capital |
| Ongoing monitoring | Quarterly reporting & proactive adjustments | Continuous performance management |
6. Take action now to realize your ambitions
Every company faces unique financing challenges based on its sector and life cycle. To turn obstacles into growth drivers:
- Request a free diagnostic
– Fill in a 3‑minute online form; receive a detailed report within 48 h. - Schedule a personalized consultation
– A dedicated advisor will reach out within 24 h to define the optimal strategy. - Unlock your funds swiftly
– Secure, on‑time disbursement so you can invest, innovate, or restructure without stress.
Don’t let banking constraints hold back your projects. PrestaFlex puts its expertise, agility, and network at your service for sustainable success.
👉 Contact a PrestaFlex expert today!
Why choose PrestaFlex to overcome your company’s financing challenges?
In today’s increasingly demanding economic environment—where access to bank credit faces ever‑stricter requirements—PrestaFlex offers a comprehensive solution combining expertise, responsiveness, and security. With over 12 years of experience in the Swiss market and a network of more than 40 financial partners (cantonal banks, insurers, pension funds, family offices, alternative funds), PrestaFlex guides each entrepreneur in structuring and securing financing tailored to their operational reality.
We arrange business loans from CHF 100,000 up to CHF 2 million, depending on your profile and company history.
1. Understand and diagnose – a pragmatic approach
Before proposing any financing, PrestaFlex conducts a customized financial audit—delivered within 48 hours—that:
- Analyzes cash flows and identifies tension periods: seasonal peaks or production‑cycle bottlenecks often go unnoticed by traditional banks.
- Maps out working capital needs (WCN): accurately measures the gap between inflows and outflows to size financing optimally.
- Revisits cost and margin structure: highlights profitability levers and reassures lenders.
Example: An industrial SME near Lausanne faced unexpected cash shortfalls during its high season. Thanks to PrestaFlex’s audit, the financing request was recalibrated and a CHF 2 million loan approved in under 10 business days—after a cantonal bank had initially refused any line of credit.
2. Design bespoke financing packages
Rather than pushing a one‑size‑fits‑all product, PrestaFlex develops several scenarios, each aligned with the company’s constraints and ambitions:
- Traditional amortizing loan – ideal for linear investments (machinery, operating real estate), with fixed installments and rates for long‑term clarity.
- Mezzanine or subordinated debt – a hybrid solution that limits collateral while keeping financing costs competitive. Perfect for companies wishing to preserve future borrowing capacity.
- Revolving credit line – to manage seasonal swings, fund inventory, or cover one‑off needs without repeated renegotiations.
- Crowdfunding / participative financing – opening equity to an investor community with controlled communications to boost visibility and diversify funding sources.
- More advanced structures (LBO, bond refinancing) – for larger SMEs and mid‑caps, enabling sophisticated buy‑out or restructuring operations.
Illustration: A tech start‑up in Zurich secured CHF 500 K via a mezzanine structure combining private lending and a partial guarantee from a cantonal bank—avoiding equity dilution and achieving a lower all‑in cost than a standard loan.
3. Negotiate and secure the best terms
PrestaFlex’s strength lies in its total independence from financial institutions. Each file is shopped around, yielding:
- Optimized rates: e.g. a fixed 1.8 % rate over seven years for an industrial project, versus 2.3 % from the competition.
- Reduced collateral requirements: acceptance of partial guarantees (e.g. only on stock or receivables) without pledging operating real estate.
- Strict adherence to timelines: from dossier submission to firm offer, within 10 business days maximum—so growth isn’t stalled.
4. Security and sustainability: the foundations of our relationship
- Swiss‑standard data protection: in‑country hosting, 256‑bit encryption, ISO 27001 certification, and full compliance with banking secrecy.
- Transparent pricing: a single, clearly itemized fee (audit, structuring, monitoring) with no hidden charges or surprise commissions.
- Long‑term partnerships: over 550 companies supported—industrial players, hotel groups, and service SMEs—with a total of CHF 1.4 billion financed.
Case in point: A hotel group seeking CHF 8 million to renovate several properties entrusted PrestaFlex with the deal. From LBO structuring to coordinating funding banks, we delivered funds in under three weeks despite tight deadlines and complex requirements.
5. End‑to‑end support, through post‑financing follow‑up
| Phase | PrestaFlex Intervention | Benefit to the Company |
|---|---|---|
| Initial assessment | Financial & legal audit within 48 h | Immediate clarity on financing needs |
| Financing scenarios | Presentation of 2–4 costed, compared structures | Optimal choice aligned with strategy |
| Dossier preparation | Drafting, document gathering & simulations | Streamlined process, time savings |
| Negotiation | Support at credit committee presentations | Better terms and rates |
| Disbursement | Administrative & legal follow‑through to funding | Swift availability of capital |
| Ongoing monitoring | Quarterly reporting & proactive adjustments | Continuous performance management |
6. Take action now to realize your ambitions
Every company faces unique financing challenges based on its sector and life cycle. To turn obstacles into growth drivers:
- Request a free diagnostic
– Fill in a 3‑minute online form; receive a detailed report within 48 h. - Schedule a personalized consultation
– A dedicated advisor will reach out within 24 h to define the optimal strategy. - Unlock your funds swiftly
– Secure, on‑time disbursement so you can invest, innovate, or restructure without stress.
Don’t let banking constraints hold back your projects. PrestaFlex puts its expertise, agility, and network at your service for sustainable success.
👉 Contact a PrestaFlex expert today!
G.E.O. visibility development 
Real Estate Financing in Switzerland and the Lex Koller Law