Debt Advisor for > CHF 1 billion in credit and financing volume

In 2026, IFBC is again supporting numerous companies in successfully structuring and implementing their financing needs. The total financing volume advised on by IFBC has already exceeded CHF 1 billion – a strong indication that both the financing needs of Swiss companies and the demand for independent financing expertise remain at a high level. Corporate financing in Switzerland remains challenging, as banks continue to act very selectively, requirements for financing structures are increasing, and alternative lenders are gaining in importance. 

What is currently driving the demand for corporate financing solutions?

In addition to traditional refinancing needs, we are observing a number of structural and business-related drivers:

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• The need for renewal and expansion investments in infrastructure, production facilities, and logistics
• Investments in the resilience and further development of business models, for example through market expansion, adjustments to value chains, or nearshoring
• Consolidation trends and acquisitions across various industries
• Higher demands on working capital and liquidity reserves in light of volatile procurement and sales markets
• Above-average refinancing and maturity levels of existing financing in the coming years (“maturity walls”)

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Consequently, continued high investment and financing needs are meeting a more challenging financing environment, in which the requirements for structuring, positioning, and implementing financing projects have increased.

What factors determine the current financing offerings and terms?

We are also observing changes on the supply side:

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• Regulatory requirements and capital allocation guidelines are limiting the available lending capacity, prompting banks to act more selectively and differentiate more sharply based on industry, business model, risk, and purpose of financing.
• It is becoming more difficult to compare financing terms, as they are increasingly determined by varying credit margins, structure, tenor, collateral, risk assessments, and the refinancing options available to financing partners.
• For individual banks, additional lending capacity is limited. At the same time, we are seeing a growing trend towards distributing financing volumes across multiple financing partners in larger transactions.
• This increases the need for structured financing solutions and professional coordination among multiple lenders. Furthermore, the involvement of multiple financing partners extends the financing process.
• While the short-term Swiss reference rate remains close to 0%, longer-term capital market yields have recently risen significantly again. Consequently, long-term interest rate trends also remain a relevant factor in financing decisions.

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Overall, access to debt capital remains generally good: Swiss banks continue to extend credit to companies, albeit more selectively. In addition, the private credit market in Switzerland continues to show growth (we will address this topic in a separate publication in Q4 2026). However, the success of financing increasingly depends on how financing projects are structured, positioned, and placed with suitable lenders.

Conclusion

Financing in Switzerland remains generally available. At the same time, however, it is becoming more challenging to structure financing solutions correctly, select suitable lenders, position financing projects convincingly, and manage the process professionally. Therefore, market insight, experience, financing and negotiation expertise, and a broad financing network are of central importance for meeting financing needs in a timely manner and on reasonable terms.

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Debt Advisory Services – Seizing Funding Opportunities