Expert Financing Advisory for Swiss Businesses

Strategic guidance to optimize your financing, investments, and corporate structure — delivered with complete discretion.
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Independent Corporate Finance & Capital Structuring Advisory

 

PrestaFlex is an independent Swiss financing advisory firm supporting entrepreneurs, SMEs, and mid-market companies with complex financing decisions across Switzerland and Europe.

We do not sell financial products.
We advise, structure, and negotiate financing solutions based on real-world execution experience, regulatory knowledge, and a deep understanding of how banks, investors, and institutions actually make decisions.

Why Financing Advisory Requires Experience - Not Just Access?

Many companies believe financing is about “finding a lender".
In practice, financing success depends on:
 

  • how the business is analysed
  • how risks are presented
  • how financial narratives are constructed
  • how decision-makers on the other side evaluate credibility

 

At PrestaFlex Services, financing advisory is built on years of hands-on transaction experience, not theoretical models.

We act as a financial architect, designing financing structures that are realistic, defensible, and executable.

 What We Mean by Financing Advisory 

Financing advisory is the strategic discipline of transforming a business situation into a bankable or investable case.

This includes:
 

  • analysing solvency, liquidity, and cash-flow resilience
  • identifying structural weaknesses before lenders do
  • selecting appropriate financing instruments
  • preparing decision-grade documentation
  • negotiating structure, pricing, and risk allocation
  • supporting execution until funds are disbursed

 

This approach reflects how financing decisions are actually taken in banks, funds, and investment committees.

Contact an advisor
Contact an advisor

Your trusted partner

Independent Financing Advisory 

PrestaFlex operates with a fully independent advisory model.
We are:
  • not a bank
  • not a broker tied to products
  • not incentivised by placement commissions
This independence allows us to:
  • challenge unrealistic assumptions
  • recommend equity when debt is harmful
  • refuse structures that weaken long-term stability

Independence is a risk-management tool, not a marketing claim.

Advisory Service Areas

Strategic Financing Advisory

Strategic financing advisory is the foundation of every mandate.
Before approaching any lender or investor, we analyse:

  • liquidity dynamics
  • solvency and leverage
  • exposure to interest-rate and refinancing risk
  • growth funding needs
  • balance-sheet constraints

What we do in practice

  • Design tailored financing strategies (senior debt, mezzanine, quasi-equity, asset-based financing)
  • Build realistic financial projections and downside scenarios
  • Optimise balance-sheet presentation to increase debt capacity
  • Identify structural issues that could trigger rejection

Why this matters
A significant number of SMEs never apply for financing because they expect rejection.
 A structured strategy restores bankability and confidence.

Equity Financing & Business Angel Advisory

Equity financing requires governance discipline and valuation realism.
We help companies assess whether equity is appropriate and how much dilution is acceptable before engaging investors.

Our advisory includes

  • Cap-table and governance analysis
  • Equity readiness assessment
  • Investor-grade pitch and financial materials
  • Matching with business angels, family offices, and early-stage funds
  • Negotiation of valuation, shareholder rights, and exit logic
  • Structuring of convertible and hybrid equity instruments

Experience insight
For companies without stabilised cash flow, equity often protects long-term viability better than debt.

Private Equity Advisory & M&A Support

Private equity and M&A transactions fail more often due to poor preparation than a lack of interest.

What we handle

  • Structuring complete transaction documentation
  • Preparing companies for financial and operational due diligence
  • Coordinating data rooms and investor questions
  • Accessing private equity funds, growth investors, and strategic buyers
  • Supporting negotiations and execution
  • Advising on post-transaction value-creation logic

Our role is to protect alignment, not just close deals.

Management Buy-Out (MBO) & Buy-In (MBI) Advisory

MBOs are structurally complex transactions.
In practice, most require layered financing rather than standard loans.

Our advisory includes

  • Structuring senior debt, mezzanine, vendor loans, and equity bridges
  • Cash-flow sustainability analysis
  • Valuation and downside stress testing
  • Sourcing mezzanine and junior capital
  • Negotiation with banks and investors

The objective is control without financial fragility.

International Financing Advisory

Cross-border financing introduces regulatory and compliance risks that are often underestimated.

Our role

  • Structuring international financing solutions
  • Analysing AML, KYC, sanctions, and beneficial ownership risks
  • Supporting financing of international projects
  • Managing cross-border onboarding requirements
  • Advising on Swiss Lex Koller implications

Experience matters when multiple jurisdictions are involved.

Bank & Institutional Negotiation Advisory

Most financing refusals result from presentation weaknesses, not business quality.
What we do

  • Prepare complete, decision-ready financing files
  • Improve financial ratio presentation and narrative clarity
  • Pre-check cases through institutional networks
  • Negotiate pricing, structure, collateral, and covenants
  • Support execution until funds are released

Form influences decisions more than many entrepreneurs expect.

Structured Finance Advisory

Collateral does not eliminate risk - it reallocates it.

Our advisory includes

  • Structuring secured and asset-based financing
  • Sale & leaseback solutions
  • Collateral risk and volatility analysis
  • Hybrid financing structures combining multiple instruments

We focus on risk behaviour, not just collateral value.

Real Estate Financing Advisory

Real estate financing requires precise structuring aligned with asset risk and project dynamics.

We advise on:

  • Developer and construction financing
  • Real estate mezzanine solutions
  • Acquisition and refinancing structures
  • Second-rank mortgages
  • Club deals and bridging finance

Each structure reflects project risk, timeline, and exit logic.

Governance & Board Advisory

Governance directly impacts financing credibility.

We support

  • Governance diagnostics
  • Board advisory and participation
  • Financial supervision and reporting discipline
  • SME risk-management frameworks

Strong governance reduces financing friction.

Debt Restructuring, Consolidation & Refinancing

Debt restructuring restores financial clarity and preserves strategic flexibility.

Advisory includes

  • Debt consolidation and refinancing
  • Balance-sheet clean-up
  • Shareholder loan restructuring
  • Working-capital optimisation
  • Off-balance-sheet risk analysis

Early intervention preserves options.

Risk Management & Compliance Advisory

Compliance is no longer administrative - it is integrated into financing decisions.

Our role

  • AML, KYC, LBA, CDB20 preparation
  • Beneficial ownership analysis
  • Group structure and cash-flow review
  • Enhanced due diligence when required

Compliance failures are financing failures.

Why Work with PrestaFlex

Discreet, Independent Advice

We build compelling investment cases tailored to your specific business goals

Network of 80+ Financial Partners

Connect with our curated network of qualified Swiss and international investors

Strategic Sector Insight

Our seasoned team ensures you receive the most favorable terms possible

Proven Track Record

Your sensitive business information remains protected throughout the process

Financing Advisory with Long-Term Responsibility

Financing decisions shape company futures. PrestaFlex acts as a long-term financing advisor, not a transactional intermediary.

 

Talk to a Financing Advisor Start a Confidential Pre-Check

 Frequently Asked Questions 

Here is what you need to know about our financing advisory services. 
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

 

Still Have Questions?

Every financing situation is unique.

Start a Confidential Financing Pre-Check