Company real estate loan

This company real estate loan is as its title indicates specialized for firms and allows the financing of commercial or industrial buildings, ranging from CHF 500'000 to 10'000'000 or even 20'000'000.

Who is concerned by company real estate loans?

Managers or company directors with several businesses or holding companies frequently hold stakes in real estate companies. Indeed, generally, they own short- or medium-term assets and wish to obtain liquiditiesr anging from CHF 1'000'000 to 5'000'000 allowing them to face unplanned opportunities on the market such as the purchase of a new building, a company or simply to face unexpected events.

What are the procedures to get a real estate loan ?

There are two possible operations when taking out a company real estate loan.

First, it is possible to renegotiate an advance rate on the first rank mortgage (this varies depending on the termination terms and outstanding penalties) and the terms, which can lead to getting a better rate. It also allows to negotiate the contractual clauses in effect, or to reduce certain constraints (guarantee, global assignment of the debtors, release of the mortgage notes...).

Then, there is the possibility of obtaining an additional second rank credit representing a complement of liquidities. In this case, it is necessary either to increase the value of an existing mortgage note, which is a much more economical solution, or to create a new one. However, a mortgage note may not be sufficient. In this case, alternative solutions exist such as a pledge of the company's shares, a pledge of insurance, a pledge of securities, a joint guarantee, etc.

What are the advantages of the different types of company real estate financing?

The advantage of choosing a first rank financing is characterized by the obtaining of larger amounts, thanks to the negotiation of rates and conditions (restrictive bank covenants). The second rank financing, on the other hand, allows for maximum liquidity, while guaranteeing security as well as flexible and variable amortization.

PrestaFlex has been of great assistance to its clients in terms of company real estate  financing

Since 2013, PrestaFlex has regularly contributed to the financing of real estate companies, promoters and industrialists that own a lot of assets but are facing a liquidity shortage with an urgent need for cash. PrestaFlex has provided a tailor-made solution for each type of company. Our clients in Geneva, Vaud, Fribourg, Zürich and Zug particularly appreciated our ability to negotiate and find alternative financing solutions in a very short time.

More information under: Company real estate loan

Written by : Münür Aslan, CEO and Founder of PrestaFlex & Arij Kamel, Marketing trainee, Fribourg

What is the difference between a financing advisor and a financing broker?

A financing advisor analyzes, structures, and negotiates the entire financing strategy in the client’s interest.
A broker typically focuses on placing a predefined product with a lender.

At PrestaFlex, we do not sell financing products. We act as an independent advisor, designing the optimal capital structure first, then selecting and negotiating with the most suitable lenders or investors.

When should a company involve a financing advisor?

Ideally, before approaching banks or investors.

Financing advisors are most effective when involved early — to:

  • assess feasibility
  • identify structural weaknesses
  • avoid preventable rejections
  • position the case correctly from the start

We are also frequently involved after rejections, when existing financing no longer works, or during growth, acquisition, or restructuring phases.

Can you help if a bank has already rejected our financing request?

Yes — this is a common situation.

Most rejections are not due to the company’s quality, but to:

  • poor structuring
  • incomplete documentation
  • weak financial narrative
  • misaligned financing instruments

We analyse why the request was rejected, restructure the case, and re-position it with the appropriate institutions.

Do you work only with banks?

No.

We work with a broad network of Swiss and European financing partners, including:

  • banks
  • alternative lenders
  • mezzanine funds
  • leasing and factoring providers
  • private investors and family offices
  • private equity and growth funds

This allows us to select the right instrument, not just the available one.

Is financing advisory only for large companies?

No.

We advise:

  • entrepreneurs and business owners
  • SMEs and mid-market companies
  • family-owned businesses
  • holding and group structures

What matters is complexity, strategic impact, or risk, not company size.

How is independence ensured?

PrestaFlex is not tied to any bank, fund, or product.
Our remuneration is not linked to the placement of a specific solution.

This allows us to:

  • recommend equity instead of debt when appropriate
  • refuse structures that create long-term fragility
  • negotiate objectively with multiple institutions

Independence is a core risk-management principle.

Do you also advise on equity and private capital?

Yes.

Our financing advisory includes:

  • equity financing and business angel advisory
  • growth capital
  • private equity advisory
  • M&A and acquisition financing
  • MBO and MBI structuring

We support valuation, governance, dilution control, and investor negotiations.

Can you support international or cross-border financing?

Yes.

We regularly advise on international financing structures, including:

  • cross-border debt and equity
  • international real estate and project financing
  • compliance with AML, sanctions, and beneficial ownership rules
  • Swiss Lex Koller implications

Cross-border financing requires both financial and regulatory experience.

How long does a financing advisory mandate take?

It depends on complexity, but typically:

  • Initial pre-check: a few days
  • Structuring and preparation: 1–3 weeks
  • Negotiation and execution: depends on lenders and transaction type

Our focus is on quality and execution, not artificial speed.

Is everything confidential?

Yes.

All mandates are handled under strict Swiss confidentiality standards.
Client data is hosted and processed in Switzerland, and information is shared only with partners approved by the client.

How do you charge for financing advisory services?

Fees depend on:

  • complexity of the mandate
  • scope of advisory
  • transaction type

We are transparent about fees from the outset and align incentives with long-term client interests.

What types of financing situations do you handle most often?

Typical mandates include:

  • growth and expansion financing
  • liquidity and working-capital optimisation
  • debt restructuring and refinancing
  • acquisition and transaction financing
  • equity and hybrid capital structuring
  • special or non-standard situations

We are often involved where standard solutions fail.

Why should we choose PrestaFlex as our financing advisor?

Clients choose PrestaFlex because of:

  • independent, non-product-driven advice
  • senior-level structuring expertise
  • strong Swiss and European institutional network
  • deep understanding of how financing decisions are made
  • discretion, clarity, and execution focus
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