Real Estate Financing in Switzerland and the Lex Koller Law

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Real Estate Financing in Switzerland and the Lex Koller Law: A PrestaFlex Strategy for Savvy Investors

In Switzerland, acquiring real estate as a foreigner or structuring a property development project intelligently requires more than just solid capital. It demands a deep understanding of local regulations, mastery of legal frameworks, and the ability to secure financing that is compliant, fast, and well-calibrated.
At PrestaFlex, we support you with a strategic, pragmatic, and secure approach—whether you are a foreign investor, a local developer, or a growing business.

🏢 Lex Koller: Barrier or Opportunity?

The Lex Koller restricts the acquisition of real estate in Switzerland by foreign nationals. However, what is often seen as a constraint can become a strategic lever—if the project is well structured.

At PrestaFlex, we collaborate with specialized partners to:

Determine whether your project is subject to authorization
Explore compliant legal structures (Swiss companies, commercial use, etc.)
Ensure alignment between the legal setup and the financing solution
Optimize tax and long-term structural flexibility

💼 Tailor-Made Financing for Robust Projects

PrestaFlex does not offer standard financing. We assess each case individually, based on:

The property type (residential, commercial, mixed-use)
The location (high-demand areas, tourist zones, etc.)
The buyer profile (individual, corporation, foundation, foreign structure)
Holding capacity, expected rental income, and potential capital gains

We then build a robust financial solution: commercial mortgage, asset-backed loan, equity or mezzanine funding, hybrid structures…
The goal: to secure property access or project realization while minimizing friction and maximizing profitability.

🔍 Comprehensive Support: From Planning to Closing

With PrestaFlex, you benefit from:

A strategic upstream diagnosis (legal, financial, tax)
Financing structuring aligned with bank and private partner requirements
Customized, confidential, fast, and efficient negotiation
A mobilizable network of Lex Koller experts (lawyers, notaries, tax advisors)

We don’t just get you a loan—we design an intelligent, compliant, stable, and scalable setup.

🌍 For International Investors and Local Entrepreneurs Alike

Whether you are:

A foreign investor seeking to acquire commercial property or rental buildings
A Swiss developer aiming to structure a mixed-use project
A company looking to invest in its own premises
A family office seeking secure diversification

PrestaFlex is your single point of contact, capable of understanding your broader challenges and helping you gain time, clarity, and financial autonomy.

Concrete Examples: Financing Solutions up to CHF 60 Million

Because every major real estate project in Switzerland deserves a financing strategy to match, PrestaFlex has designed and secured solutions that go beyond traditional standards. Below are representative examples of our capabilities, for structured deals from CHF 5 to 60 million:

🏗️ CHF 12 million – Acquisition of a rental building in Lausanne by a European investor
Client profile: Luxembourg-based wealth holding company
Challenge: Acquisition subject to Lex Koller authorization + need for tax optimization
PrestaFlex solution: Swiss SPV holding the asset for mixed-use, 70% bank financing + 20% mezzanine loan from private partner
Result: Authorization granted, tax efficiency achieved, net profitability > 4.2%

🏬 CHF 25 million – Development of a shopping center on the outskirts of Geneva
Client profile: Swiss company in retail distribution
Challenge: Structuring a project on existing land and raising capital
PrestaFlex solution: 65% commercial mortgage + corporate equity injection + coordinated bank pool
Result: Financing validated in less than 6 weeks, construction started without delay

🏢 CHF 39 million – Acquisition of a real estate portfolio in Zurich by an Italian family office
Client profile: International family office with a Swiss entity
Challenge: Avoid direct acquisition subject to Lex Koller + secure deal within short timeframe
PrestaFlex solution: Creation of Swiss SPV with shared governance, structured financing with cross-collateralization on existing assets
Result: Deal closed in under 90 days, portfolio value up 9% in 12 months

🏙️ CHF 60 million – Mixed-use residential project in the canton of Vaud
Client profile: Swiss developer with foreign partners
Challenge: Financing various phases (acquisition, construction, marketing) of a complex project
PrestaFlex solution: Three-tier structure: land loan, bridge loan for initial phase, equity raise via SPV
Result: Fully structured 36-month financing with integrated flexibility for each project stage

🎯 The PrestaFlex Effect

These examples illustrate our ability to:

Mobilize the right partners (banks, funds, private investors)
Tailor financing tools to legal constraints and client profiles
Optimize tax, liquidity, and governance over the long term
Support strategic, innovative, or complex projects throughout Switzerland

✅ PrestaFlex – Real Estate Financial Engineering at the Service of Your Swiss Ambitions

At PrestaFlex, we don’t ask you to fit into a box—we tailor the solution to your real estate project.
Our strength: aligning financial logic, regulatory realities, and wealth strategy.

📞 Contact our team today for a confidential first consultation.
PrestaFlex. Structured. Discreet. High-performing.

An article by Munur Aslan, Managing Director of PrestaFlex

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