Melanie Aubail
Marketing and Family Office
Financing is most effective when it is flexible, discreet and tailored to client objectives. At Alpen, we structure bespoke lending solutions across asset classes, drawing on approaches that may differ from those of traditional banks. From Lombard loans to real estate, yachts, aircraft or single-stock financing, we support cross-border coordination with a focus on liquidity, innovation and long-term planning.
At Alpen, we design and coordinate financing that reflects the realities of international wealth. Our approach is not about standardised lending products, but about bespoke structures tailored to client assets and objectives. Whether through Lombard loans, real estate financing or asset-backed lending, we emphasise speed, cross-border coordination and discretion. By leveraging our independence, we support clients in accessing liquidity while maintaining flexibility for long-term planning, with financing structured to remain consistent with broader wealth strategies and objectives.
Asset-backed financing can provide access to liquidity from holdings while maintaining ownership. At Alpen, we structure loans against portfolios, collectibles or other real assets, with terms designed to be transparent and aligned with planning objectives. This flexibility can open access to capital with structures that may differ from traditional lending models. By coordinating across jurisdictions, we create bespoke solutions that adapt to global realities.
Financing real assets requires discretion and creativity. At Alpen, we structure financing backed by yachts, aircraft, gemstones and other tangible assets, creating potential avenues for liquidity without the need for an outright sale. We emphasise transparency, portability and international coordination, with structures designed to reflect jurisdictional realities. This approach supports access to capital while maintaining ownership and freeing resources for new opportunities or strategic priorities.
Real estate is central to many portfolios, and financing it often requires cross-border structuring. At Alpen, we create financing solutions for residential, commercial or investment properties, tailored to international requirements. Our focus is on responsiveness and flexibility, with financing designed to support liquidity while maintaining ownership and planning options. By coordinating with legal and tax advisers, we ensure real estate financing remains aligned with broader wealth considerations.
Concentrated holdings can be powerful but illiquid. At Alpen, we structure single-stock financing strategies that provide a way to access liquidity without the need for an immediate sale. By securing financing against individual equities, these structures can offer flexibility while maintaining market exposure. Such approaches are complex and require careful oversight, which we support through coordination with counterparties and advisers. The result is liquidity that supports broader strategies while preserving long-term ownership.
Our team at Alpes Partners brings deep expertise in structuring bespoke financing across asset classes — from real estate and portfolios to yachts, aircraft, and unique assets like single stock collateral. We work with precision, discretion, and a clear understanding of cross-border complexities, tailoring lending solutions that align with your broader wealth strategy.
Melanie Aubail
Franz Lukas
Cornelia Daniel
Mark Hollenstein
At Alpen, we provide lending solutions services in Switzerland designed to meet your unique financial needs. As a leading firm in Swiss investment managed account services, we offer:
Navigate the complexities of managing and protecting your wealth with our professional advisers, experienced in Swiss and international financial markets.
Benefit from our familiarity with the Swiss financial market and its regulatory environment.
Receive personalised wealth management plans that reflect your financial goals and risk profile.
Access a full suite of services including investment planning, tax optimisation and succession planning.
We strive to deliver high-quality services aligned with our clients’ objectives.
Our independence allows us to move without institutional constraints, providing structures that are both efficient and discreet.
These questions are frequently asked in relation to lending solutions.
Financing can provide flexibility and liquidity when managed with discretion and foresight. At Alpen, we design bespoke solutions across asset classes including real estate, portfolios, yachts, aircraft and single stocks. Our role is to structure financing quickly and creatively, coordinating across jurisdictions while integrating with wealth strategies. We work with trusted partners and advisers to support compliance, transparency and alignment with client objectives. Financing is approached not as a product but as a strategic tool. Based in Switzerland, we structure solutions within a stable and well-regulated environment for international families with bespoke financing requirements.
Flexibility is at the heart of effective financing. At Alpen, we design bespoke structures rather than rely on fixed lending models. Financing can be structured against portfolios, real estate or tangible assets, creating access to liquidity while maintaining ownership. Each solution is tailored to client circumstances, objectives and jurisdictional realities. Flexibility also means speed. Families often need liquidity quickly to capture opportunities or meet obligations. Our independence allows us to move without institutional constraints, providing structures that are both efficient and discreet.
We coordinate with legal and tax advisers to support compliance across borders and align financing with succession planning, governance and broader wealth considerations. The focus is not simply on access to capital but on structuring financing to complement long-term planning. By emphasising adaptability, Alpen structures liquidity in ways that are consistent with established wealth frameworks and long-term objectives.
Global families often hold assets in multiple countries, making financing complex. At Alpen, we specialise in structuring cross-border solutions that respect differing legal, tax and regulatory regimes. Whether arranging loans against international real estate, equities or lifestyle assets, we coordinate with trusted advisers to design frameworks that simplify oversight. Switzerland serves as an established and well-regulated jurisdiction for these arrangements, recognised internationally for its financial stability.
Cross-border financing also requires adaptability, as rules may change over time. We monitor developments closely to ensure structures remain compliant and consistent with client objectives. Coordination across jurisdictions allows families to access liquidity where needed without unnecessary duplication or risk. Our role is to integrate financing with the broader wealth strategies, reducing complexity while preserving flexibility.
Asset-backed financing allows families to unlock liquidity from holdings while retaining ownership. At Alpen, we design solutions backed by portfolios, single stocks, yachts, aircraft or gemstones. Each arrangement is tailored to reflect the unique nature of the asset, jurisdictional realities and family priorities. Creativity lies not in complexity but in structuring approaches that take planning objectives into account while maintaining transparency and compliance. We coordinate with trusted partners to support valuations, collateral and reporting in line with recognised standards.
Asset-backed financing is particularly valuable when families wish to preserve ownership of strategic holdings or lifestyle assets while accessing capital for other opportunities. These solutions can support succession planning, acquisitions or diversification without disrupting long-term strategies. Our independence allows us to move beyond standard lending models, focusing instead on discreet, client-specific frameworks.
At Alpen, financing is never treated as separate from wealth planning. It is a tool that enhances liquidity, resilience and continuity when integrated thoughtfully. We structure financing to take estate planning, tax strategies and governance frameworks into account. The objective is to integrate financing thoughtfully so that it remains consistent with broader long-term considerations. For families with intergenerational priorities, financing can provide liquidity during transitions - for example, covering estate settlements, funding distributions or enabling succession planning.
It can also support opportunities, such as acquisitions or strategic investments, without requiring the sale of core assets. Our role is to design frameworks where financing strengthens wealth strategies rather than undermines them. Independence allows us to stay focused on client goals rather than institutional products. Financing, when coordinated carefully, can serve as a tool to support broader planning considerations. It supports obligations, enables flexibility and preserves continuity across generations, all while reinforcing long-term wealth preservation and growth.
At Alpen, lending solutions are about more than returns. They are built on trust, long-term relationships and a structured approach that emphasises clarity. You remain in control where it matters most, while drawing on professional expertise where it adds value. In this way, your portfolio can be structured to reflect your vision, your family’s priorities and the legacy you wish to build.
Pierre Gabris
Your contact for Lending solutions
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