{"id":2736,"date":"2026-10-14T07:56:43","date_gmt":"2026-10-14T07:56:43","guid":{"rendered":"https:\/\/bridgemer.com\/sale-and-leaseback-in-switzerland-unlocking-capital-from-your-operating-property\/"},"modified":"2026-10-14T13:34:22","modified_gmt":"2026-10-14T13:34:22","slug":"sale-and-leaseback-in-switzerland-unlocking-capital-from-your-operating-property","status":"publish","type":"post","link":"https:\/\/bridgemer.com\/en\/sale-and-leaseback-in-switzerland-unlocking-capital-from-your-operating-property\/","title":{"rendered":"Sale and Leaseback in Switzerland: Unlocking Capital from Your Operating Property"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_flex_section\">\n<div class=\"et_pb_row_0 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_0 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_heading_0 et_pb_heading et_pb_module et_flex_module preset--group--divi-heading--divi-font--hm5q2bb--default preset--group--divi-heading--divi-font--hp5h6dj--default preset--module--divi-heading--default\"><div class=\"et_pb_heading_container\"><h1 class=\"et_pb_module_header\">Sale and Leaseback in Switzerland: Unlocking Capital from Your Operating Property<\/h1><\/div><\/div>\n\n<div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Freeing up capital whilst retaining the premises: How Swiss companies use a sale-and-leaseback arrangement to sell their business premises, lease them back on a long-term basis and invest the capital in their core business.<\/p>\n<p>&nbsp;<\/p>\n<p>8 mins\u2019 read | October 2026 | Commercial and investment property <\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_1 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_image_0 et_pb_image et_pb_module et_flex_module\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/bridgemer.com\/wp-content\/uploads\/2026\/10\/zulfugar-karimov-WstzH0ZRmno-unsplash-1024x683.jpg\" title=\"Commercial Property_Sale-Leaseback\" width=\"1024\" height=\"683\" srcset=\"https:\/\/bridgemer.com\/wp-content\/uploads\/2026\/10\/zulfugar-karimov-WstzH0ZRmno-unsplash-980x653.jpg 980w, https:\/\/bridgemer.com\/wp-content\/uploads\/2026\/10\/zulfugar-karimov-WstzH0ZRmno-unsplash-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" class=\"wp-image-2737\" \/><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_1 et_pb_section et_section_regular et_flex_section\">\n<div class=\"et_pb_row_1 et_pb_row et_flex_row\" id=\"kurz\">\n<div class=\"et_pb_column_2 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>Key takeaways<\/h2>\n<\/div><\/div>\n\n<ul class=\"et_pb_icon_list_0 et_pb_icon_list et_pb_module et_flex_module preset--group--divi-icon-list--divi-font--h1caasa--default preset--group--divi-icon-list--divi-font--hcqrk4v--default\">\n<li class=\"et_pb_icon_list_item_0 et_pb_icon_list_item et_pb_module et_flex_module preset--group--divi-icon-list-item--divi-font--heah654--default preset--group--divi-icon-list-item--divi-font--hcqrk4v--default\"><span class=\"et-pb-icon\">N<\/span><div class=\"et_pb_icon_list_text\">A sale and leaseback is the sale of an operating property combined with a long-term lease back. Operations continue unchanged. <\/div><\/li>\n\n<li class=\"et_pb_icon_list_item_1 et_pb_icon_list_item et_pb_module et_flex_module preset--group--divi-icon-list-item--divi-font--heah654--default preset--group--divi-icon-list-item--divi-font--hcqrk4v--default\"><span class=\"et-pb-icon\">N<\/span><div class=\"et_pb_icon_list_text\">It releases the full market value of the property \u2013 more than a mortgage will lend against it.<\/div><\/li>\n\n<li class=\"et_pb_icon_list_item_2 et_pb_icon_list_item et_pb_module et_flex_module preset--group--divi-icon-list-item--divi-font--heah654--default preset--group--divi-icon-list-item--divi-font--hcqrk4v--default\"><span class=\"et-pb-icon\">N<\/span><div class=\"et_pb_icon_list_text\">The SNB policy rate is at 0%, yet 10-year fixed-rate mortgages cost again more than 2%<\/div><\/li>\n\n<li class=\"et_pb_icon_list_item_3 et_pb_icon_list_item et_pb_module et_flex_module preset--group--divi-icon-list-item--divi-font--heah654--default preset--group--divi-icon-list-item--divi-font--hcqrk4v--default\"><span class=\"et-pb-icon\">N<\/span><div class=\"et_pb_icon_list_text\">A 10- to 20-year lease makes occupancy costs predictable and removes refinancing risk.<\/div><\/li>\n\n<li class=\"et_pb_icon_list_item_4 et_pb_icon_list_item et_pb_module et_flex_module preset--group--divi-icon-list-item--divi-font--heah654--default preset--group--divi-icon-list-item--divi-font--hcqrk4v--default\"><span class=\"et-pb-icon\">N<\/span><div class=\"et_pb_icon_list_text\">The core test: does the released capital earn more in the core business than having it tied up in the property and not accessible for operations, corporate financing or dividends?<\/div><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_2 et_pb_section et_section_regular et_flex_section\">\n<div class=\"et_pb_row_2 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_3 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_16_24 et_flex_column_16_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>Why is a Sale-Leaseback relevant for Swiss companies<\/h2>\n<p>For many companies, their operating property is the largest block of capital on the balance sheet \u2013 and the one that contributes least to the return of the core business. As long as long-term money cost almost nothing, this hardly mattered. <\/p>\n<p>That is changing. The benchmark rate for 10-year fixed-rate mortgages is back above 2%, and lenders expect further upward pressure on long maturities (<a target=\"_blank\" rel=\"nofollow noopener noreferrer\" href=\"https:\/\/www.finews.ch\/news\/finanzplatz\/73659-hypothekarzinsen-schweiz-zehnjaehrige-festhypotheken-mehr-als-zwei-prozent-laengere-laufzeiten-weiteren-aufwaertsdruck-moneypark\">finews.ch<\/a>). In July and September 2026 alone, two Swiss industrial companies sold their headquarters in sale and leaseback transactions. These transactions unlock value, allowing a company to reduce debt, expand business, pay dividends, or do whatever may be more productive versus not having access to the capital that can be made available.   <\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_4 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_testimonial_0 et_pb_testimonial et_pb_testimonial_no_image et_pb_bg_layout_light et_pb_text_align_center et_pb_module et_flex_module preset--group--divi-testimonial--divi-font--h1rjrmu--default preset--group--divi-testimonial--divi-font-body--h19rs5u--default preset--group--divi-testimonial--divi-font--h367h4a--default preset--group--divi-testimonial--divi-font--h1hap5r--default preset--group--divi-testimonial--divi-font-body--hini219--default preset--group--divi-testimonial--divi-font--h31sxiu--default preset--group--divi-testimonial--divi-font--hee8qms--default preset--group--divi-testimonial--divi-font--h3ht9kc--default\"><div class=\"et_pb_testimonial_inner\"><div class=\"et_pb_testimonial_description et_flex_module\"><div class=\"et_pb_testimonial_description_inner\"><div class=\"et_pb_testimonial_content\"><p>A franc invested in a new machine usually yields more than a franc invested in your building.<\/p>\n<\/div><\/div><div class=\"et_pb_testimonial_meta\"><\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_3 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_5 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>What is a Sale-Leaseback?<\/h2>\n<p>A Sale-Leaseback (also sale and leaseback) is a transaction in which a company sells a property it occupies and simultaneously leases it back on a long-term basis. The purchase agreement and the lease are negotiated as a package and completed on the same day; operationally, nothing changes. <\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_image_1 et_pb_image et_pb_module et_flex_module\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/bridgemer.com\/wp-content\/uploads\/2026\/10\/Transaktionsschema-Sale-and-Leaseback-transparent-scaled.png\" title=\"transactionscheme-Sale-and-Leaseback-transparent\" width=\"2560\" height=\"792\" srcset=\"https:\/\/bridgemer.com\/wp-content\/uploads\/2026\/10\/Transaktionsschema-Sale-and-Leaseback-transparent-scaled.png 2560w, https:\/\/bridgemer.com\/wp-content\/uploads\/2026\/10\/Transaktionsschema-Sale-and-Leaseback-transparent-1280x396.png 1280w, https:\/\/bridgemer.com\/wp-content\/uploads\/2026\/10\/Transaktionsschema-Sale-and-Leaseback-transparent-980x303.png 980w, https:\/\/bridgemer.com\/wp-content\/uploads\/2026\/10\/Transaktionsschema-Sale-and-Leaseback-transparent-480x149.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 2560px, 100vw\" class=\"wp-image-2688\" \/><\/span><\/div>\n\n<div class=\"et_pb_text_4 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Three features set it apart from conventional debt financing:<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_4 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_6 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_blurb_0 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--group--divi-blurb--divi-font--hm5q2bb--default preset--group--divi-blurb--divi-font-body--h19rs5u--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">\ue074<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">Full market value instead of a loan-to-value ratio<\/h2><div class=\"et_pb_blurb_description\"><p>A bank finances only part of the value; a sale realizes all of it, including the appreciation in value.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_7 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_blurb_1 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--group--divi-blurb--divi-font--hm5q2bb--default preset--group--divi-blurb--divi-font-body--h19rs5u--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">+<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">Price and rent are one equation<\/h2><div class=\"et_pb_blurb_description\"><p>The purchase price is derived from the capitalised rent. A higher price means a higher rent. <\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_8 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_blurb_2 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--group--divi-blurb--divi-font--hm5q2bb--default preset--group--divi-blurb--divi-font-body--h19rs5u--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">\uf505<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">The tenant's credit quality is what the investor buys<\/h2><div class=\"et_pb_blurb_description\"><p>Strong credit and a long lease term lower the required yield and raise the price.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_3 et_pb_section et_section_regular et_flex_section\">\n<div class=\"et_pb_row_5 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_9 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_row_6 et_pb_row et_pb_row_nested et_flex_row\">\n<div class=\"et_pb_column_10 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_5 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Real Life Examples<\/p>\n<h2>Two Swiss Transactions in 2026<\/h2>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_7 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_11 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_number_counter_0 et_pb_number_counter et_pb_bg_layout_light et_pb_text_align_center et_pb_with_title et_pb_module et_flex_module preset--group--divi-number-counter--divi-font--hm5q2bb--default preset--group--divi-number-counter--divi-font--h32y694--default\"><div class=\"percent\"><p><span class=\"percent-value\"><\/span><span class=\"percent-sign\"><\/span><\/p><\/div><h2 class=\"title\">Purchase price in CHF million<\/h2>\n<div class=\"et_pb_text_6 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p style=\"text-align: center;\">Sale to a listed property fund, September 2026<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_column_12 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_number_counter_1 et_pb_number_counter et_pb_bg_layout_light et_pb_text_align_center et_pb_with_title et_pb_module et_flex_module preset--group--divi-number-counter--divi-font--hm5q2bb--default preset--group--divi-number-counter--divi-font--h32y694--default\"><div class=\"percent\"><p><span class=\"percent-value\"><\/span><span class=\"percent-sign\"><\/span><\/p><\/div><h2 class=\"title\">Year lease term<\/h2>\n<div class=\"et_pb_text_7 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p style=\"text-align: center;\">12 years fixed term,<br \/>with the option to extend for up to a further 10 years<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_column_13 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_number_counter_2 et_pb_number_counter et_pb_bg_layout_light et_pb_text_align_center et_pb_with_title et_pb_module et_flex_module preset--group--divi-number-counter--divi-font--hm5q2bb--default preset--group--divi-number-counter--divi-font--h32y694--default\"><div class=\"percent\"><p><span class=\"percent-value\"><\/span><span class=\"percent-sign\"><\/span><\/p><\/div><h2 class=\"title\">Years of a triple-net lease<\/h2>\n<div class=\"et_pb_text_8 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p style=\"text-align: center;\">Second example: production site in Graub\u00fcnden, two options, each lasting 10 years<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_8 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_14 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_9 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>How much capital will be freed up? Example based on a market value of CHF 15 million <\/h2>\n<\/div>\n<ul class=\"et_pb_counters_0 et_pb_counters et-waypoint et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-counters--divi-font--hm5q2bb--default preset--group--divi-counters--divi-font--hcmqm2n--default\">\n<li class=\"et_pb_counter_0 et_pb_counter preset--group--divi-counter--divi-font--hm5q2bb--default preset--group--divi-counter--divi-font--hcmqm2n--default\"><span class=\"et_pb_counter_title\">Mortgage (example: 60% loan-to-value ratio)<\/span><span class=\"et_pb_counter_container\"><span class=\"et_pb_counter_amount\" data-width=\"60%\"><span class=\"et_pb_counter_amount_number\"><span class=\"et_pb_counter_amount_number_inner\">60%<\/span><\/span><\/span><span class=\"et_pb_counter_amount overlay\" data-width=\"60%\"><span class=\"et_pb_counter_amount_number\"><span class=\"et_pb_counter_amount_number_inner\">60%<\/span><\/span><\/span><\/span><\/li>\n\n<div class=\"et_pb_text_10 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>At a loan-to-value ratio of 60%, around <strong>CHF 9 million<\/strong> will be made available for you to use for your business.<\/p>\n<\/div><\/div>\n\n<li class=\"et_pb_counter_1 et_pb_counter preset--group--divi-counter--divi-font--hm5q2bb--default preset--group--divi-counter--divi-font--hcmqm2n--default\"><span class=\"et_pb_counter_title\">Sale-Leaseback (full market value)<\/span><span class=\"et_pb_counter_container\"><span class=\"et_pb_counter_amount\" data-width=\"100%\"><span class=\"et_pb_counter_amount_number\"><span class=\"et_pb_counter_amount_number_inner\">100%<\/span><\/span><\/span><span class=\"et_pb_counter_amount overlay\" data-width=\"100%\"><span class=\"et_pb_counter_amount_number\"><span class=\"et_pb_counter_amount_number_inner\">100%<\/span><\/span><\/span><\/span><\/li>\n\n<div class=\"et_pb_text_11 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Through the Sale-Leaseback, you will receive the full market value, <strong>CHF 15 million,<\/strong> and can use this for investments in your core business, dividends, etc.<\/p>\n<\/div><\/div>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_4 et_pb_section et_section_regular et_flex_section\">\n<div class=\"et_pb_row_9 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_15 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_row_10 et_pb_row et_pb_row_nested et_flex_row\">\n<div class=\"et_pb_column_16 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_12 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>How will the interest rate environment in 2026 affect the figures?<\/h2>\n<p>The SNB policy rate has been at 0% since June 2025, but long-term financing is becoming more expensive again.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_11 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_17 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_number_counter_3 et_pb_number_counter et_pb_bg_layout_light et_pb_text_align_center et_pb_with_title et_pb_module et_flex_module preset--group--divi-number-counter--divi-font--hm5q2bb--default preset--group--divi-number-counter--divi-font--h32y694--default\"><div class=\"percent\"><p><span class=\"percent-value\"><\/span><span class=\"percent-sign\"><\/span><\/p><\/div><h2 class=\"title\">SNB policy rate<\/h2>\n<div class=\"et_pb_text_13 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p style=\"text-align: center;\">unchanged since June 2025<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_column_18 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_number_counter_4 et_pb_number_counter et_pb_bg_layout_light et_pb_text_align_center et_pb_with_title et_pb_module et_flex_module preset--group--divi-number-counter--divi-font--hm5q2bb--default preset--group--divi-number-counter--divi-font--h32y694--default\"><div class=\"percent\"><p><span class=\"percent-value\"><\/span><span class=\"percent-sign\"><\/span><\/p><\/div><h2 class=\"title\">5-year fixed-rate mortgage (average)<\/h2>\n<div class=\"et_pb_text_14 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p style=\"text-align: center;\">+14 basis points since June 2026 <\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_column_19 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_number_counter_5 et_pb_number_counter et_pb_bg_layout_light et_pb_text_align_center et_pb_with_title et_pb_module et_flex_module preset--group--divi-number-counter--divi-font--hm5q2bb--default preset--group--divi-number-counter--divi-font--h32y694--default\"><div class=\"percent\"><p><span class=\"percent-value\"><\/span><span class=\"percent-sign\"><\/span><\/p><\/div><h2 class=\"title\">10-year fixed-rate mortgage (average)<\/h2>\n<div class=\"et_pb_text_15 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p style=\"text-align: center;\">back above 2 per cent<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_12 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_20 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_16 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><span>And the turn in rates may continue: UBS considers an increase in the SNB policy rate in 2027 possible. For owner-occupiers, this means.  <\/span><\/p>\n<ul>\n<li><strong>Tied-up equity becomes more expensive. <\/strong>Every franc in the building has to justify itself against what it could earn in the core business or elsewhere.<\/li>\n<li><strong>Refinancing risk becomes real. <\/strong>A mortgage expiring in 2028 will be repriced in a market no one can foresee today.<\/li>\n<li><strong>Fix and stabilize occupancy costs, provide investors with table income. <\/strong>Pension funds, insurers and real estate fund want long, indexed cash flows. Companies want certainty, predictability, and budgeting clarity.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_17 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>Why does a long-term lease provide planning certainty?<\/h2>\n<p> A well-negotiated lease is a fixed-price contract for your business.<\/p>\n<ul>\n<li><strong>Predictable costs.<\/strong> For commercial premises, an index-linked rent based on the Swiss consumer price index is permitted if the lease runs for at least five years. A stepped rent fixes increases in advance for leases of at least three years. <\/li>\n<li><strong>No refinancing cliff.<\/strong> No loan-to-value tests, no amortisation, no renegotiation with a credit committee, no ongoing reporting to a lender.<\/li>\n<li><strong>Limited inflation risk.<\/strong> Caps, floors or partial indexation (e.g. 80% of the index) turn an open-ended risk into a bounded one.<\/li>\n<li><strong>Secure occupancy.<\/strong> Registering the lease in the land register binds every future owner.<\/li>\n<li><strong>Operational control.<\/strong> Extension options and fit-out and expansion rights secure the control of an owner without tying up an owner's capital.<\/li>\n<\/ul>\n<p>The flip side: a fixed lease also protects the investor. Lease term and options therefore deserve as much attention as the price.  <\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_5 et_pb_section et_section_regular et_flex_section\">\n<div class=\"et_pb_row_13 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_21 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_18 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>What are the benefits of a Sale-Leaseback for your company?<\/h2>\n<p data-lfile-container=\"b549380b-9ed2-4b31-a556-1cbee9311bad\" data-pm-slice=\"1 1 []\">Capital for what moves your company forward - without new debt and without giving up the site.<span style=\"font-size: 20px;\"><\/span><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_14 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_22 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_blurb_3 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--group--divi-blurb--divi-font--hm5q2bb--default preset--group--divi-blurb--divi-font-body--h19rs5u--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">\uf185<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">New machinery and equipment<\/h2><div class=\"et_pb_blurb_description\"><p>Modernising production, automation, more capacity.<\/p>\n<\/div><\/div><\/div><\/div>\n\n<div class=\"et_pb_blurb_4 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--group--divi-blurb--divi-font--hm5q2bb--default preset--group--divi-blurb--divi-font-body--h19rs5u--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">\uf3ed<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">Financial Strength<\/h2><div class=\"et_pb_blurb_description\"><p>Debt reduction and a liquidity reserve for uncertain times.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_23 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_blurb_5 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--group--divi-blurb--divi-font--hm5q2bb--default preset--group--divi-blurb--divi-font-body--h19rs5u--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">\uf0c3<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">Innovation<\/h2><div class=\"et_pb_blurb_description\"><p>Research and Development, new products, digitalisation. <\/p>\n<\/div><\/div><\/div><\/div>\n\n<div class=\"et_pb_blurb_6 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--group--divi-blurb--divi-font--hm5q2bb--default preset--group--divi-blurb--divi-font-body--h19rs5u--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">\uf2b5<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">Succession<\/h2><div class=\"et_pb_blurb_description\"><p>Separating property can increase the company value <\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_24 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_blurb_7 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--group--divi-blurb--divi-font--hm5q2bb--default preset--group--divi-blurb--divi-font-body--h19rs5u--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">\uf201<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">Growth<\/h2><div class=\"et_pb_blurb_description\"><p>Acquisitions, tapping into new markets, opening additional sites.<\/p>\n<\/div><\/div><\/div><\/div>\n\n<div class=\"et_pb_blurb_8 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--group--divi-blurb--divi-font--hm5q2bb--default preset--group--divi-blurb--divi-font-body--h19rs5u--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">\uf24e<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">Improve Balance Sheet<\/h2><div class=\"et_pb_blurb_description\"><p>More liquid assets, fewer tangible assets \u2013 relevant for banks and other stakeholders<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_15 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_25 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_19 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>What are the risks of a Sale-Leaseback?<\/h2>\n<ul>\n<li>Giving up appreciation: future value gains go to the investor.<\/li>\n<li><strong>Higher running costs:<\/strong> rent is usually higher than mortgage interest.<\/li>\n<li><strong>Less flexibility: <\/strong>an early exit becomes expensive.<\/li>\n<li><strong>Maintenance and capex:<\/strong> under a triple-net lease, the tenant bears maintenance, taxes, insurance and replacement investments.<\/li>\n<li><strong>Tax realisation<\/strong>: hidden reserves are taxed all at once.<\/li>\n<li><strong>End of the lease term: <\/strong>without options, you negotiate from a weak position.<\/li>\n<\/ul>\n<p data-lfile-container=\"b549380b-9ed2-4b31-a556-1cbee9311bad\" data-pm-slice=\"1 1 []\">None of these risks rules out a transaction; each can be negotiated in the lease before signing.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_6 et_pb_section et_section_regular et_flex_section\">\n<div class=\"et_pb_row_16 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_26 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_20 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2 id=\"wie-l\u00e4uft-ein-sale-and-leaseback-ab-und-wie-begleiten-wir-sie\" data-lfile-container=\"b549380b-9ed2-4b31-a556-1cbee9311bad\" data-pm-slice=\"1 1 []\">How does a Sale-Leaseback work \u2013 and how do we support you?<\/h2>\n<p data-lfile-container=\"b549380b-9ed2-4b31-a556-1cbee9311bad\" data-pm-slice=\"1 1 []\">A sale and leaseback is not an off-the-shelf product. What matters is that the purchase price and the lease fit your business goals. As real estate advisors, we guide you through the entire process:   <\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_timeline_0 et_pb_timeline et_pb_module preset--group--divi-timeline--divi-font--h1w2abv--default preset--group--divi-timeline--divi-font--h14wvdm--default preset--group--divi-timeline--divi-font--hm5q2bb--default preset--group--divi-timeline--divi-font--h1dmpen--default preset--group--divi-timeline--divi-font-body--h19rs5u--default preset--group--divi-timeline--divi-font-body--h4v67o4--default preset--group--divi-timeline--divi-font--h1yja8w--default preset--group--divi-timeline--divi-font--hk5gecm--default preset--group--divi-timeline--divi-font--h1jxdu7--default preset--group--divi-timeline--divi-font--hp5sdas--default preset--group--divi-timeline--divi-font-body--hd4znbv--default preset--group--divi-timeline--divi-font-body--h5h4dx1--default\"><div class=\"et_pb_timeline_track_wrapper\"><div class=\"et_pb_timeline_track\">\n<div class=\"et_pb_timeline_item_0 et_pb_timeline_item et_pb_module et_flex_column_1_5 et_flex_column_12_24_tablet et_flex_column_24_24_phone preset--group--divi-timeline-item--divi-font--h1w2abv--default preset--group--divi-timeline-item--divi-font--hm5q2bb--default preset--group--divi-timeline-item--divi-font-body--h19rs5u--default preset--group--divi-timeline-item--divi-font--h1yja8w--default preset--group--divi-timeline-item--divi-font--h1jxdu7--default preset--group--divi-timeline-item--divi-font-body--hd4znbv--default\"><div class=\"et_pb_timeline_spacer\"><\/div><div class=\"et_pb_timeline_ornament\"><div class=\"et_pb_timeline_connector\"><\/div><div class=\"et_pb_timeline_marker\"><\/div><\/div><div class=\"et_pb_timeline_card\"><div class=\"et_pb_timeline_date\">1.<\/div><h2 class=\"et_pb_timeline_title\">Clarify goals:<\/h2><div class=\"et_pb_timeline_content\"><p>We discuss with you what the capital should be used for and how long you need the site.<\/p>\n<\/div><\/div><\/div>\n\n<div class=\"et_pb_timeline_item_1 et_pb_timeline_item et_pb_module et_flex_column_1_5 et_flex_column_12_24_tablet et_flex_column_24_24_phone preset--group--divi-timeline-item--divi-font--h1w2abv--default preset--group--divi-timeline-item--divi-font--hm5q2bb--default preset--group--divi-timeline-item--divi-font-body--h19rs5u--default preset--group--divi-timeline-item--divi-font--h1yja8w--default preset--group--divi-timeline-item--divi-font--h1jxdu7--default preset--group--divi-timeline-item--divi-font-body--hd4znbv--default\"><div class=\"et_pb_timeline_spacer\"><\/div><div class=\"et_pb_timeline_ornament\"><div class=\"et_pb_timeline_connector\"><\/div><div class=\"et_pb_timeline_marker\"><\/div><\/div><div class=\"et_pb_timeline_card\"><div class=\"et_pb_timeline_date\">2. <\/div><h2 class=\"et_pb_timeline_title\">Determine Value<\/h2><div class=\"et_pb_timeline_content\"><p>We estimate the market value of your property and show which combinations of price and rent are realistic.<\/p>\n<\/div><\/div><\/div>\n\n<div class=\"et_pb_timeline_item_2 et_pb_timeline_item et_pb_module et_flex_column_1_5 et_flex_column_12_24_tablet et_flex_column_24_24_phone preset--group--divi-timeline-item--divi-font--h1w2abv--default preset--group--divi-timeline-item--divi-font--hm5q2bb--default preset--group--divi-timeline-item--divi-font-body--h19rs5u--default preset--group--divi-timeline-item--divi-font--h1yja8w--default preset--group--divi-timeline-item--divi-font--h1jxdu7--default preset--group--divi-timeline-item--divi-font-body--hd4znbv--default\"><div class=\"et_pb_timeline_spacer\"><\/div><div class=\"et_pb_timeline_ornament\"><div class=\"et_pb_timeline_connector\"><\/div><div class=\"et_pb_timeline_marker\"><\/div><\/div><div class=\"et_pb_timeline_card\"><div class=\"et_pb_timeline_date\">3.<\/div><h2 class=\"et_pb_timeline_title\">Shape the lease<\/h2><div class=\"et_pb_timeline_content\"><p>Term, extension options, rent adjustment and expansion rights. So your business has long-term planning certainty. <\/p>\n<\/div><\/div><\/div>\n\n<div class=\"et_pb_timeline_item_3 et_pb_timeline_item et_pb_module et_flex_column_1_5 et_flex_column_12_24_tablet et_flex_column_24_24_phone preset--group--divi-timeline-item--divi-font--h1w2abv--default preset--group--divi-timeline-item--divi-font--hm5q2bb--default preset--group--divi-timeline-item--divi-font-body--h19rs5u--default preset--group--divi-timeline-item--divi-font--h1yja8w--default preset--group--divi-timeline-item--divi-font--h1jxdu7--default preset--group--divi-timeline-item--divi-font-body--hd4znbv--default\"><div class=\"et_pb_timeline_spacer\"><\/div><div class=\"et_pb_timeline_ornament\"><div class=\"et_pb_timeline_connector\"><\/div><div class=\"et_pb_timeline_marker\"><\/div><\/div><div class=\"et_pb_timeline_card\"><div class=\"et_pb_timeline_date\">4.<\/div><h2 class=\"et_pb_timeline_title\">Approach investors<\/h2><div class=\"et_pb_timeline_content\"><p>We present your property to investors locally, nationally and internationally including pension funds, insurers and real estate funds in a structured process.<\/p>\n<\/div><\/div><\/div>\n\n<div class=\"et_pb_timeline_item_4 et_pb_timeline_item et_pb_module et_flex_column_1_5 et_flex_column_12_24_tablet et_flex_column_24_24_phone preset--group--divi-timeline-item--divi-font--h1w2abv--default preset--group--divi-timeline-item--divi-font--hm5q2bb--default preset--group--divi-timeline-item--divi-font-body--h19rs5u--default preset--group--divi-timeline-item--divi-font--h1yja8w--default preset--group--divi-timeline-item--divi-font--h1jxdu7--default preset--group--divi-timeline-item--divi-font-body--hd4znbv--default\"><div class=\"et_pb_timeline_spacer\"><\/div><div class=\"et_pb_timeline_ornament\"><div class=\"et_pb_timeline_connector\"><\/div><div class=\"et_pb_timeline_marker\"><\/div><\/div><div class=\"et_pb_timeline_card\"><div class=\"et_pb_timeline_date\">5.<\/div><h2 class=\"et_pb_timeline_title\">Guide the closing<\/h2><div class=\"et_pb_timeline_content\"><p>From the buyer's due diligence to notarization, we coordinate all parties, including your fiduciaries and lawyers. <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_17 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_27 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_21 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2 id=\"f\u00fcr-welches-unternehmen-eignet-sich-ein-sale-and-leaseback\" data-lfile-container=\"b549380b-9ed2-4b31-a556-1cbee9311bad\" data-pm-slice=\"1 1 []\">Which company is a Sale-Leaseback suitable for?<\/h2>\n<p data-lfile-container=\"b549380b-9ed2-4b31-a556-1cbee9311bad\" data-pm-slice=\"1 1 []\">Five questions provide an initial orientation. If you answer \u2018yes\u2019 to three or more of them, you should have the option assessed. We\u2019d be happy to work with you, with no obligation, to check whether a sale-and-leaseback would be a viable option for your commercial and investment properties.  <\/p>\n<ol><\/ol>\n<\/div><\/div>\n\n<div class=\"et_pb_code_0 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"bm-check\">\n  <div class=\"bm-check__q\"><button type=\"button\" data-v=\"1\" aria-pressed=\"false\">Would the money from your property be better invested in the business - for example, in machinery, growth or debt repayment?\nYes<\/button><button type=\"button\" data-v=\"0\" aria-pressed=\"false\">No<\/button><\/div>\n  <div class=\"bm-check__q\">Would you like to continue using the site for at least ten years?\n<button type=\"button\" data-v=\"1\" aria-pressed=\"false\">Yes<\/button><button type=\"button\" data-v=\"0\" aria-pressed=\"false\">No<\/button><\/div>\n  <div class=\"bm-check__q\">Are you planning to refinance, make a major investment, carry out an acquisition or arrange succession planning?\n<button type=\"button\" data-v=\"1\" aria-pressed=\"false\">Yes<\/button><button type=\"button\" data-v=\"0\" aria-pressed=\"false\">No<\/button><\/div>\n  <div class=\"bm-check__q\">Would you be able to let the property to another tenant today?\n<button type=\"button\" data-v=\"1\" aria-pressed=\"false\">Yes<\/button><button type=\"button\" data-v=\"0\" aria-pressed=\"false\">No<\/button><\/div>\n  <div class=\"bm-check__q\">Can you imagine being a long-term tenant rather than an owner?\n<button type=\"button\" data-v=\"1\" aria-pressed=\"false\">Yes<\/button><button type=\"button\" data-v=\"0\" aria-pressed=\"false\">No<\/button><\/div>\n\n  <div class=\"bm-check__score\" aria-live=\"polite\">\n    <div>\n      <b class=\"bm-check__n\">0 out of 5<\/b>\n      <span class=\"bm-check__dots\"><i><\/i><i><\/i><i><\/i><i><\/i><i><\/i><\/span>\n      <p class=\"bm-check__t\">Please answer the questions to get an initial assessment.<\/p>\n    <\/div>\n    <a class=\"bm-check__btn\" href=\"https:\/\/bridgemer.com\/en\/book-an-appointment\/\">Discuss the results<\/a>\n  <\/div>\n<\/div>\n\n<style>\n.bm-check { --bm-navy:#263B81; --bm-ink:#1C2C62; --bm-green:#214E34; --bm-line:#DCE1EE; --bm-tint:#F2F4FA; --bm-muted:#5D6891;\n  font-family:\"Source Sans Pro\",\"Source Sans 3\",sans-serif; color:var(--bm-navy);\n  background:#FFFFFF; border:1px solid var(--bm-line); border-radius:10px; padding:22px; display:grid; gap:4px; }\n.bm-check__q { display:grid; grid-template-columns:minmax(0,1fr) auto; gap:16px; align-items:center;\n  padding:12px 0; border-bottom:1px solid var(--bm-line); font-size:17px; line-height:1.45; }\n.bm-check__yn { display:inline-flex; border:1px solid var(--bm-line); border-radius:6px; overflow:hidden; }\n.bm-check__yn button { font:600 15px \"Source Sans Pro\",\"Source Sans 3\",sans-serif; background:#FFFFFF; color:var(--bm-muted);\n  border:0; padding:8px 16px; min-width:60px; cursor:pointer; transition:background .15s, color .15s; }\n.bm-check__yn button + button { border-left:1px solid var(--bm-line); }\n.bm-check__yn button:hover { color:var(--bm-green); }\n.bm-check__yn button[aria-pressed=\"true\"] { background:var(--bm-green); color:#FFFFFF; }\n.bm-check__yn button:focus-visible, .bm-check__btn:focus-visible { outline:2px solid var(--bm-green); outline-offset:2px; }\n.bm-check__score { margin-top:14px; display:flex; flex-wrap:wrap; align-items:center; justify-content:space-between; gap:14px;\n  background:var(--bm-tint); border-radius:8px; padding:16px 18px; }\n.bm-check__n { font:700 26px \"Josefin Sans\",sans-serif; color:var(--bm-ink); }\n.bm-check__dots { display:inline-flex; gap:6px; margin-left:10px; vertical-align:middle; }\n.bm-check__dots i { width:12px; height:12px; border-radius:50%; background:var(--bm-line); transition:background .2s; }\n.bm-check__dots i.is-on { background:var(--bm-green); }\n.bm-check .bm-check__t { margin:4px 0 0; padding:0; font-size:15px; color:var(--bm-muted); }\n.bm-check .bm-check__btn { display:inline-block; background:var(--bm-green); color:#FFFFFF !important; text-decoration:none;\n  font-weight:600; font-size:16px; padding:11px 20px; border-radius:6px; }\n.bm-check .bm-check__btn:hover { filter:brightness(1.12); }\n@media (max-width:600px) { .bm-check { padding:16px; } .bm-check__q { grid-template-columns:minmax(0,1fr); gap:8px; } }\n<\/style>\n\n<script>\n(function () {\n  document.querySelectorAll('.bm-check').forEach(function (box) {\n    if (box.dataset.ready) return; box.dataset.ready = '1';\n    var qs = box.querySelectorAll('.bm-check__q');\n    var n = box.querySelector('.bm-check__n'), t = box.querySelector('.bm-check__t');\n    var dots = box.querySelectorAll('.bm-check__dots i');\n    function update() {\n      var yes = 0, answered = 0;\n      qs.forEach(function (q) {\n        var on = q.querySelector('button[aria-pressed=\"true\"]');\n        if (on) { answered++; if (on.dataset.v === '1') yes++; }\n      });\n      n.textContent = yes + ' von ' + qs.length;\n      dots.forEach(function (d, i) { d.classList.toggle('is-on', i < yes); });\n      t.textContent = answered < qs.length\n        ? 'Beantworten Sie alle Fragen f\u00fcr eine erste Einsch\u00e4tzung.'\n        : (yes >= 3 ? 'Ein Sale-and-Leaseback lohnt sich n\u00e4her anzuschauen.'\n                    : 'Eher nicht priorit\u00e4r \u2013 andere Optionen k\u00f6nnten besser passen.');\n    }\n    box.addEventListener('click', function (e) {\n      var b = e.target.closest('.bm-check__yn button'); if (!b) return;\n      b.parentNode.querySelectorAll('button').forEach(function (x) { x.setAttribute('aria-pressed', x === b ? 'true' : 'false'); });\n      update();\n    });\n    update();\n  });\n})();\n<\/script><\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_18 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_28 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_22 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2 id=\"f\u00fcr-welches-unternehmen-eignet-sich-ein-sale-and-leaseback\" data-lfile-container=\"b549380b-9ed2-4b31-a556-1cbee9311bad\" data-pm-slice=\"1 1 []\">Ownership or Sale-Leaseback?<\/h2>\n<p data-lfile-container=\"b549380b-9ed2-4b31-a556-1cbee9311bad\" data-pm-slice=\"1 1 []\">Compare the costs of retaining your business premises with those of a sale-and-leaseback arrangement. This also takes into account the capital you can invest in your business. <\/p>\n<ol><\/ol>\n<\/div><\/div>\n\n<div class=\"et_pb_code_1 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"bm-calc\" data-pos=\"Bei {c} Rendite im Kerngesch\u00e4ft ist der Sale-and-Leaseback \u00fcber die Betrachtungsdauer die wirtschaftlichere Option.\" data-neg=\"Bei {c} Rendite im Kerngesch\u00e4ft bleibt das Eigentum in diesem Szenario g\u00fcnstiger.\">\n\n  <div class=\"bm-calc__panel\">\n    <p class=\"bm-calc__label\">Your assumptions<\/p>\n    <div class=\"bm-calc__inputs\">\n      <div class=\"bm-calc__field\"><label for=\"bmc-value\">Market value of the property<\/label>\n        <div class=\"bm-calc__num\"><input id=\"bmc-value\" data-f=\"value\" inputmode=\"numeric\"><span>CHF<\/span><\/div><\/div>\n      <div class=\"bm-calc__field\"><label for=\"bmc-debt\">Existing mortgage<\/label>\n        <div class=\"bm-calc__num\"><input id=\"bmc-debt\" data-f=\"debt\" inputmode=\"numeric\"><span>CHF<\/span><\/div><\/div>\n      <div class=\"bm-calc__field\"><label for=\"bmc-rate\">Mortgage interest rate<\/label>\n        <div class=\"bm-calc__num\"><input id=\"bmc-rate\" data-f=\"rate\" inputmode=\"decimal\"><span>%<\/span><\/div><\/div>\n      <div class=\"bm-calc__field\"><label for=\"bmc-maint\">Maintenance and investment (% of value p.a.)<\/label>\n        <div class=\"bm-calc__num\"><input id=\"bmc-maint\" data-f=\"maint\" inputmode=\"decimal\"><span>%<\/span><\/div><\/div>\n      <div class=\"bm-calc__field\"><label for=\"bmc-yield\">Investor\u2019s initial return<\/label>\n        <div class=\"bm-calc__num\"><input id=\"bmc-yield\" data-f=\"yield\" inputmode=\"decimal\"><span>%<\/span><\/div>\n        <span class=\"bm-calc__hint\">The rent is calculated as: market value \u00d7 yield<\/span><\/div>\n      <div class=\"bm-calc__field\"><label for=\"bmc-growth\">Inflation and appreciation p.a.<\/label>\n        <div class=\"bm-calc__num\"><input id=\"bmc-growth\" data-f=\"growth\" inputmode=\"decimal\"><span>%<\/span><\/div><\/div>\n      <div class=\"bm-calc__field\"><label for=\"bmc-term\">Duration of observation<\/label>\n        <div class=\"bm-calc__num\"><input id=\"bmc-term\" data-f=\"term\" inputmode=\"numeric\"><span>Years<\/span><\/div><\/div>\n      <div class=\"bm-calc__field\"><label for=\"bmc-core\">Return in the core business<\/label>\n        <div class=\"bm-calc__num\"><input id=\"bmc-core\" data-f=\"core\" inputmode=\"decimal\"><span>%<\/span><\/div>\n        <span class=\"bm-calc__hint\">Simultaneous discount rate<\/span><\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"bm-calc__compare\">\n    <div class=\"bm-calc__panel bm-calc__opt\">\n      <p class=\"bm-calc__opth\">Keep owning<\/p>\n      <p class=\"bm-calc__sub\">Capital remains tied up in the property.<\/p>\n      <dl>\n        <dt>Mortgage interest rates over 15 years<\/dt><dd data-o=\"o-int\">\u2013<\/dd>\n        <dt>Maintenance and investment over <span class=\"bm-calc__n\">15 <\/span>years<\/dt><dd data-o=\"o-maint\">\u2013<\/dd>\n        <dt class=\"is-total\">Total costs over <span class=\"bm-calc__n\">15 <\/span>years<\/dt><dd class=\"is-total\" data-o=\"o-cost\">\u2013<\/dd>\n        <dt class=\"is-gap\">Equity in the property today<\/dt><dd class=\"is-gap\" data-o=\"o-tied\">\u2013<\/dd>\n        <dt>Market value after <span class=\"bm-calc__n\">15 <\/span>years, <span class=\"bm-calc__dt-hint\">assuming a <span class=\"bm-calc__g\">1%<\/span> annual return<\/span><\/dt><dd data-o=\"o-mv\">\u2013<\/dd>\n        <dt>Equity after <span class=\"bm-calc__n\">15 <\/span>years, <span class=\"bm-calc__dt-hint\">market value minus mortgage<\/span><\/dt><dd class=\"is-plus\" data-o=\"o-end\">\u2013<\/dd>\n      <\/dl>\n      <div class=\"bm-calc__npv\"><span class=\"bm-calc__k\">Net present value<\/span><span class=\"bm-calc__v\" data-o=\"o-npv\">\u2013<\/span>\n        <div class=\"bm-calc__bar\"><i data-o=\"o-bar\"><\/i><\/div><\/div>\n    <\/div>\n\n    <div class=\"bm-calc__panel bm-calc__opt is-slb\">\n      <p class=\"bm-calc__opth\">Sale-and-Leaseback<\/p>\n      <p class=\"bm-calc__sub\">Capital is being channelled into the core business.<\/p>\n      <dl>\n        <dt>Rent in the first year<\/dt><dd data-o=\"s-rent\">\u2013<\/dd>\n        <dt class=\"is-total\">Total costs over <span class=\"bm-calc__n\">15 <\/span>years<\/dt><dd class=\"is-total\" data-o=\"s-cost\">\u2013<\/dd>\n        <dt class=\"is-gap\">Available capital today<\/dt><dd class=\"is-plus is-gap\" data-o=\"s-avail\">\u2013<\/dd>\n        <dt>Return on this in the core business, p.a.<\/dt><dd class=\"is-plus\" data-o=\"s-earn\">\u2013<\/dd>\n      <\/dl>\n      <div class=\"bm-calc__npv\"><span class=\"bm-calc__k\">Net present value<\/span><span class=\"bm-calc__v\" data-o=\"s-npv\">\u2013<\/span>\n        <div class=\"bm-calc__bar\"><i data-o=\"s-bar\"><\/i><\/div><\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"bm-calc__verdict\" data-o=\"verdict\" aria-live=\"polite\">\n    <div>\n      <span class=\"bm-calc__k2\">Benefits of a Sale-Leaseback (present value)<\/span>\n      <div class=\"bm-calc__adv\" data-o=\"adv\">\u2013<\/div>\n      <p class=\"bm-calc__vtext\" data-o=\"vtext\"><\/p>\n    <\/div>\n    <a class=\"bm-calc__btn\" href=\"https:\/\/bridgemer.com\/en\/contact\/\">Discuss the results<\/a>\n  <\/div>\n\n  <p class=\"bm-calc__note\">Simplified comparative calculation excluding tax and transaction costs. This calculation is not a substitute for individual advice. Assumptions: mortgage with no capital repayment; rent and maintenance costs rise in line with inflation; maintenance costs for the property are borne by the company.   <\/p>\n<\/div>\n\n<style>\n.bm-calc { --c-bg:#F5F6FA; --c-surface:#FFFFFF; --c-line:#DCE0EC; --c-fg:#1C2A5C; --c-muted:#5A6487;\n  --c-green:#214E34; --c-green-soft:#E3EDE6; --c-own:#8A93B5; --c-bad:#B3412E; --c-bad-soft:#F6E3DF;\n  --c-display:\"Josefin Sans\",\"Century Gothic\",sans-serif; --c-body:\"Source Sans Pro\",\"Source Sans 3\",\"Segoe UI\",sans-serif;\n  font-family:var(--c-body); font-size:16px; line-height:1.5; color:var(--c-fg); display:grid; gap:20px; }\n.bm-calc *, .bm-calc *::before, .bm-calc *::after { box-sizing:border-box; }\n.bm-calc p { margin:0; padding:0; }\n.bm-calc__panel { background:var(--c-surface); border:1px solid var(--c-line); border-radius:10px; padding:20px; min-width:0; }\n.bm-calc .bm-calc__label { font-family:var(--c-display); font-weight:600; color:var(--c-green); font-size:15px;\n  letter-spacing:.06em; 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}\n    function chf(n) { return (n < 0 ? '\u2212 ' : '') + 'CHF ' + Math.round(Math.abs(n)).toLocaleString(LOC); }\n    function pct(n) { return n.toLocaleString(LOC, { maximumFractionDigits: 2 }) + '%'; }\n    function fmt(k) {\n      var f = F[k];\n      if (f.money) return Math.round(f.v).toLocaleString(LOC);\n      if (f.int) return String(f.v);\n      return f.v.toLocaleString(LOC, { maximumFractionDigits: 2 });\n    }\n    function parse(s) { var n = parseFloat(String(s).replace(\/[\u2019'\\s]\/g, '').replace(',', '.')); return isNaN(n) ? null : n; }\n\n    function calc() {\n      var V = F.value.v, H = Math.min(F.debt.v, V), r = F.rate.v \/ 100, m = F.maint.v \/ 100,\n          y = F.yield.v \/ 100, g = F.growth.v \/ 100, N = F.term.v, k = F.core.v \/ 100;\n      var equity = V - H, interest = H * r, maint0 = V * m, rent0 = V * y;\n      var pvOwnCost = 0, pvRent = 0, sumMaint = 0, sumRent = 0;\n      for (var i = 1; i <= N; i++) {\n        var d = Math.pow(1 + k, i), grow = Math.pow(1 + g, i - 1);\n        pvOwnCost += (interest + maint0 * grow) \/ d;\n        pvRent += rent0 * grow \/ d;\n        sumMaint += maint0 * grow;\n        sumRent += rent0 * grow;\n      }\n      var sumInt = interest * N;\n      var endValue = V * Math.pow(1 + g, N);\n      var endEquity = endValue - H;\n      \/\/ CCIM own vs. lease, pre-tax: net present value of each option from today's position\n      var npvOwn = endEquity \/ Math.pow(1 + k, N) - pvOwnCost;\n      var npvSlb = equity - pvRent;\n      var adv = npvSlb - npvOwn;\n\n      root.querySelectorAll('.bm-calc__n').forEach(function (e) { e.textContent = N; });\n      root.querySelectorAll('.bm-calc__g').forEach(function (e) { e.textContent = pct(F.growth.v); });\n      out('o-int').textContent = chf(sumInt);\n      out('o-maint').textContent = chf(sumMaint);\n      out('o-cost').textContent = chf(sumInt + sumMaint);\n      out('o-tied').textContent = chf(equity);\n      out('o-mv').textContent = chf(endValue);\n      out('o-end').textContent = chf(endEquity);\n      out('o-npv').textContent = chf(npvOwn);\n      out('s-rent').textContent = chf(rent0);\n      out('s-cost').textContent = chf(sumRent);\n      out('s-avail').textContent = chf(equity);\n      out('s-earn').textContent = chf(equity * k);\n      out('s-npv').textContent = chf(npvSlb);\n      var top = Math.max(Math.abs(npvOwn), Math.abs(npvSlb), 1);\n      out('o-bar').style.width = (Math.max(npvOwn, 0) \/ top * 100).toFixed(1) + '%';\n      out('s-bar').style.width = (Math.max(npvSlb, 0) \/ top * 100).toFixed(1) + '%';\n      out('adv').textContent = (adv >= 0 ? '+ ' : '') + chf(adv);\n      out('verdict').classList.toggle('is-neg', adv < 0);\n      out('vtext').textContent = (adv >= 0 ? root.dataset.pos : root.dataset.neg).replace('{c}', pct(F.core.v));\n    }\n\n    root.querySelectorAll('input[data-f]').forEach(function (el) {\n      var key = el.dataset.f;\n      el.value = fmt(key);\n      function apply() {\n        var n = parse(el.value);\n        if (n !== null) {\n          if (F[key].min !== undefined) n = Math.max(n, F[key].min);\n          if (F[key].max !== undefined) n = Math.min(n, F[key].max);\n          if (F[key].int) n = Math.round(n);\n          F[key].v = n;\n        }\n        calc();\n      }\n      el.addEventListener('input', apply);\n      el.addEventListener('change', function () { apply(); el.value = fmt(key); });\n    });\n    calc();\n  });\n})();\n<\/script><\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_19 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_29 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_23 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>Frequently asked questions about Sale-Leaseback<\/h2>\n<\/div><\/div>\n\n<div class=\"et_pb_accordion_0 et_pb_accordion et_pb_module et_flex_module preset--group--divi-accordion--divi-font--hm5q2bb--default preset--group--divi-accordion--divi-font-body--h19rs5u--default preset--group--divi-accordion--divi-font--h1rap4w--default preset--group--divi-accordion--divi-font--h1ofg5v--default preset--group--divi-accordion--divi-font--hp5h6dj--default preset--group--divi-accordion--divi-font--h10j4yd--default preset--module--divi-accordion--default\">\n<div class=\"et_pb_accordion_item_0 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_open et_flex_module preset--group--divi-accordion-item--divi-font--hm5q2bb--default preset--group--divi-accordion-item--divi-font--h1rap4w--default preset--group--divi-accordion-item--divi-font--h1l93ac--default preset--group--divi-accordion-item--divi-font--h1ofg5v--default preset--group--divi-accordion-item--divi-font-body--h19rs5u--default preset--group--divi-accordion-item--divi-font--hp5h6dj--default preset--group--divi-accordion-item--divi-font--h10j4yd--default preset--module--divi-accordion-item--default\"><h2 class=\"et_pb_toggle_title\">What is the difference between (1) a sale and leaseback and (2) a mortgage?<\/h2><div class=\"et_pb_toggle_content et_flex_module\"><p>A mortgage lends against only part of the property's value and must be refinanced periodically. A sale and leaseback realises the full market value and replaces interest and amortisation with a contractually fixed rent.  <\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_accordion_item_1 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_flex_module preset--group--divi-accordion-item--divi-font--hm5q2bb--default preset--group--divi-accordion-item--divi-font--h1rap4w--default preset--group--divi-accordion-item--divi-font--h1l93ac--default preset--group--divi-accordion-item--divi-font--h1ofg5v--default preset--group--divi-accordion-item--divi-font-body--h19rs5u--default preset--group--divi-accordion-item--divi-font--hp5h6dj--default preset--group--divi-accordion-item--divi-font--h10j4yd--default preset--module--divi-accordion-item--default\"><h2 class=\"et_pb_toggle_title\">What can companies use the released capital for?<\/h2><div class=\"et_pb_toggle_content et_flex_module\"><p>Typical uses are new machinery and equipment, automation, research and development, acquisitions, debt reduction or a liquidity reserve \u2013 investment in the core business rather than in the building, or a dividend.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_accordion_item_2 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_flex_module preset--group--divi-accordion-item--divi-font--hm5q2bb--default preset--group--divi-accordion-item--divi-font--h1rap4w--default preset--group--divi-accordion-item--divi-font--h1l93ac--default preset--group--divi-accordion-item--divi-font--h1ofg5v--default preset--group--divi-accordion-item--divi-font-body--h19rs5u--default preset--group--divi-accordion-item--divi-font--hp5h6dj--default preset--group--divi-accordion-item--divi-font--h10j4yd--default preset--module--divi-accordion-item--default\"><h2 class=\"et_pb_toggle_title\">What changes for operations after the sale?<\/h2><div class=\"et_pb_toggle_content et_flex_module\"><p>Nothing. The company stays on site, with the same employees and equipment. A long-term lease secures occupancy, even if the property later changes owner.  <\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_accordion_item_3 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_flex_module preset--group--divi-accordion-item--divi-font--hm5q2bb--default preset--group--divi-accordion-item--divi-font--h1rap4w--default preset--group--divi-accordion-item--divi-font--h1l93ac--default preset--group--divi-accordion-item--divi-font--h1ofg5v--default preset--group--divi-accordion-item--divi-font-body--h19rs5u--default preset--group--divi-accordion-item--divi-font--hp5h6dj--default preset--group--divi-accordion-item--divi-font--h10j4yd--default preset--module--divi-accordion-item--default\"><h2 class=\"et_pb_toggle_title\">How long is the lease in a sale and leaseback?<\/h2><div class=\"et_pb_toggle_content et_flex_module\"><p>In Switzerland, fixed terms of 10 to 20 years are common, supplemented by extension options. You can agree whatever term suits you. <\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_accordion_item_4 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_flex_module preset--group--divi-accordion-item--divi-font--hm5q2bb--default preset--group--divi-accordion-item--divi-font--h1rap4w--default preset--group--divi-accordion-item--divi-font--h1l93ac--default preset--group--divi-accordion-item--divi-font--h1ofg5v--default preset--group--divi-accordion-item--divi-font-body--h19rs5u--default preset--group--divi-accordion-item--divi-font--hp5h6dj--default preset--group--divi-accordion-item--divi-font--h10j4yd--default preset--module--divi-accordion-item--default\"><h2 class=\"et_pb_toggle_title\">How is the purchase price determined in a Sale-Leaseback?<\/h2><div class=\"et_pb_toggle_content et_flex_module\"><p>The purchase price is usually derived from the capitalised rent: annual rent divided by the investor's target yield. The company's credit quality and the lease term have a major influence on the price. <\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_accordion_item_5 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_flex_module preset--group--divi-accordion-item--divi-font--hm5q2bb--default preset--group--divi-accordion-item--divi-font--h1rap4w--default preset--group--divi-accordion-item--divi-font--h1l93ac--default preset--group--divi-accordion-item--divi-font--h1ofg5v--default preset--group--divi-accordion-item--divi-font-body--h19rs5u--default preset--group--divi-accordion-item--divi-font--hp5h6dj--default preset--group--divi-accordion-item--divi-font--h10j4yd--default preset--module--divi-accordion-item--default\"><h2 class=\"et_pb_toggle_title\">Can the rent be linked to inflation in a Sale-Leaseback?<\/h2><div class=\"et_pb_toggle_content et_flex_module\"><p>Yes. For commercial premises, an index-linked rent based on the Swiss consumer price index is permitted if the lease runs for at least five years. <\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_accordion_item_6 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_flex_module preset--group--divi-accordion-item--divi-font--hm5q2bb--default preset--group--divi-accordion-item--divi-font--h1rap4w--default preset--group--divi-accordion-item--divi-font--h1l93ac--default preset--group--divi-accordion-item--divi-font--h1ofg5v--default preset--group--divi-accordion-item--divi-font-body--h19rs5u--default preset--group--divi-accordion-item--divi-font--hp5h6dj--default preset--group--divi-accordion-item--divi-font--h10j4yd--default preset--module--divi-accordion-item--default\"><h2 class=\"et_pb_toggle_title\">Which properties are suitable for a Sale-Leaseback?<\/h2><div class=\"et_pb_toggle_content et_flex_module\"><p>Mainly production and logistics properties, headquarters and operating buildings that are necessary for the business and used over the long term.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_7 et_pb_section et_section_regular et_flex_section\">\n<div class=\"et_pb_row_20 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_30 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_24 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-body--default preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>What does a Sale-Leaseback mean for your business?<\/h2>\n<p>We\u2019ll work with you to assess, with no obligation, whether and how this option would be worthwhile for your commercial and investment property.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_module et_pb_button_module_wrapper et_pb_button_0_wrapper preset--group--divi-button--divi-font--h1vi52x--default_wrapper preset--module--divi-button--44j93p3scn_wrapper\"><a class=\"et_pb_button_0 et_pb_button et_pb_bg_layout_dark et_pb_bg_layout_light_phone et_pb_module et_flex_module preset--group--divi-button--divi-font--h1vi52x--default preset--module--divi-button--44j93p3scn\" href=\"https:\/\/bridgemer.com\/en\/contact\/\" data-icon=\"=\">Discuss without obligation<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Freeing up capital whilst retaining the premises: How Swiss companies use a sale-and-leaseback arrangement to sell their business premises, lease them back on a long-term basis and invest the capital in their core business.<\/p>\n","protected":false},"author":1,"featured_media":2737,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_cacherocket_do_not_cache":false},"categories":[23,24],"tags":[],"class_list":["post-2736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-invest","category-sell"],"_links":{"self":[{"href":"https:\/\/bridgemer.com\/en\/wp-json\/wp\/v2\/posts\/2736","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bridgemer.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bridgemer.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bridgemer.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bridgemer.com\/en\/wp-json\/wp\/v2\/comments?post=2736"}],"version-history":[{"count":2,"href":"https:\/\/bridgemer.com\/en\/wp-json\/wp\/v2\/posts\/2736\/revisions"}],"predecessor-version":[{"id":2739,"href":"https:\/\/bridgemer.com\/en\/wp-json\/wp\/v2\/posts\/2736\/revisions\/2739"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bridgemer.com\/en\/wp-json\/wp\/v2\/media\/2737"}],"wp:attachment":[{"href":"https:\/\/bridgemer.com\/en\/wp-json\/wp\/v2\/media?parent=2736"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bridgemer.com\/en\/wp-json\/wp\/v2\/categories?post=2736"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bridgemer.com\/en\/wp-json\/wp\/v2\/tags?post=2736"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}