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smzh Private Debt

Innovative financing. Exclusive opportunities.

Private Debt - desktop

Employ capital strategically – Tap alternative sources of return.

With smzh Private Debt, qualified investors gain access to yield-oriented credit solutions beyond traditional capital investments. Whether it is subordinated mortgages, mezzanine financing, or individually structured credit packages – we offer targeted participation in attractive real estate and corporate projects.

Thanks to in-depth market expertise, proven structures, and an exclusive network, smzh identifies high-quality financing opportunities typically available only to institutional investors. We support you as a co-investor and strategic partner at every stage.

Your advantages at a glance

Attractive return potential

provided by selected financing projects with solid collateral

Broad diversification

beyond capital markets

Strict risk assessment

and transparent structuring by the smzh team of experts

Exclusive access

to off-market transactions and specialized credit solutions

Investing based on partnership

smzh acts as co-investor, structurer, and partner

Our private debt solutions

Subordinated mortgages

Targeted financing of real estate projects with additional layer of security

  • Use: Acquisition, development, refinancing
  • Advantage: Attractive risk-return profile due to subordinated registration and comprehensive due diligence

Mezzanine financing

Form of capital between equity and debt for demanding projects

  • Use: Enhancement without diluting the ownership structure
  • Advantage: Higher interest, flexible design, structured risk protection

Special solutions & individual structures

Structured credit vehicle for complex real estate or corporate financing

  • Use: Specialized financing, growth projects, transitions
  • Advantage: Tailor-made terms, clear covenants, access to exclusive markets

How to proceed

1. Project identification and selection
smzh regularly examines financing opportunities that adhere to strict criteria and quality standards.
2. Structuring and co-investment
Together with our partners, we design the ideal financing structure – transparently, legally secure, impact-oriented.
3. Ongoing monitoring and reporting
smzh ensures active monitoring, risk management, and regular reporting – for full control and auditability.
4. Exit or repayment
Clearly defined scenarios: Repayment, exit or conversion into equity options – depending on market environment and project structure.

Private Debt Factsheet PDF - desktop

Private debt fact sheet

Download the handout on smzh Private Debt now!

(in German)

Download fact sheet as PDF
St Gallen Office - desktop

smzh for you

  • Exclusive access to private debt investments away from the market noise
  • Decades of experience and in-depth understanding of debt
  • Objective structuring independent from banks
  • Strict risk analysis, legal and economic transparency
  • smzh as your reliable investment partner – competent, independent, committed

Our private debt experts:

Fredi Pfammatter - desktop

Fredi Pfammatter

Head of Corporate Clients & Mortgages and Partner

Rafael Szucs - desktop

Rafael Szucs

Head of Key Clients & Corporates and Member of the Extended Executive Management