Finance
Nine mortgages, three banks
- Financing volume
- CHF 120 m
- Margin
- 1.12 → 0.82 pp
- Savings
- CHF 360,000 / year
A tender to six lenders and staggered maturities instead of a concentration risk.
Read case study →Real Estate · Law · Finance
Expertise and sustainable solutionsfor owners, companies and developers
Tailored advice on financing, construction law, succession and legal matters – holistically structured, independently negotiated and legally secured.
4 disciplinesFinance · Construction law · Succession · Law
1 partnerpersonally leads your mandate
> CHF 4.5 bnFinancing volume optimised*
Since 2007in banking & finance
* Experience of the FiPAX partners from their previous roles.
About FiPAX
One partner where finance, law and real estate converge
FiPAX negotiates your financing, secures your construction project legally, arranges your succession and supports you with contracts and before the authorities. Owners, companies, investors and private individuals come to us when it matters – for the next major investment as well as when the bank cuts a loan or a construction site comes to a standstill.
Financing touches construction law, succession touches tax, a legal dispute touches liquidity. That is why you do not have to coordinate several advisors at FiPAX: you have one partner who sees the whole picture and personally leads your mandate through to completion.
Since 2017FiPAX AG, Zurich
Integratedfinance and law from one source
Confidentialdiscreet mandate management
At a glance
- Founded
- 2017
- Office
- Zurich
- Disciplines
- Finance, construction law, succession, law
- Mandates
- Personally led by a partner
Our expertise
Four disciplines. One partner who connects them.
01 · Finance
Debt Advisory & Financing
We structure and negotiate financing for real estate and companies – independent of individual banks and with access to a broad network of lenders.
- New financing and refinancing of mortgages and corporate loans
- Tenders to banks, insurers and pension funds
- Support when a loan is terminated or liquidity is tight
02 · Law
Construction Law & Litigation Support
From drafting contracts to final acceptance, we secure your construction project legally – so that it is delivered on time, on budget and with full legal certainty.
- Works and general contractor agreements under SIA standards
- Defect claims, variations and builders’ liens
- Permit procedures, objections and litigation
03 · Succession
Succession, Property & Tax
We secure your life’s work with foresight – from SME succession to structuring real estate and assets across generations.
- Business succession within the family, to management or to third parties
- Wills, inheritance contracts and powers of attorney
- Property transactions and tax optimisation
04 · Law
Legal Advice & Authorities
We translate legal complexity into clear options and represent your interests towards contractual partners and authorities – directly and personally.
- Review and negotiation of contracts
- Support in permit and administrative procedures
- A well-founded initial assessment of your legal question
How we work
From the first meeting to completion
Whether a loan negotiation, a construction dispute or a succession: every mandate follows a clear process – with one dedicated contact.
01
Confidential first meeting
We clarify your situation, goals and urgency – discreetly and personally.
02
Holistic analysis
Financial, legal and tax aspects are considered together.
03
Strategy & negotiation
You receive a clear plan – we negotiate with banks, authorities and counterparties.
04
Implementation to completion
We support you all the way and secure the result legally.
Insight into our mandates
Typical situations – and how they turned out
Construction law
Defects in a new build
- Remediation cost
- CHF 1.4 m
- Settlement
- CHF 1.1 m
- Paid by
- Contractor & insurer
A condominium owners’ association secures its defect claims before the limitation period expires and enforces the repairs.
Read case study →Law & restructuring
Over-indebted, 90 days to act
- Over-indebtedness
- CHF 600,000
- Subordination
- CHF 700,000
- Jobs
- 30 preserved
Subordination, a standstill agreement and a capital increase – the board fulfils its duties under Art. 725 et seq. CO.
Read case study →To protect confidentiality, names, figures and details have been changed.
All case studiesInsights from practice
Loan agreements, construction projects, transactions: what matters now
- Share Deal or Asset Deal: Where the Millions Lie in Swiss Investment Property
Same property, different contract, a difference worth millions: what investors and sellers need to know about economic transfers, deferred taxes and contractual protection. - General Contractor Bankrupt, Liens on the Title: How Developers Can Rescue Their Project
Your general contractor has gone bankrupt? Subcontractors can place liens on your land even if you have already paid. How developers can limit double payment and get the site moving again. - Covenant Breach Ahead: How Business Owners Can Act Before the Bank Stops the Loan
One missed financial ratio can cost you the loan and trigger duties for the board. How to use waivers, equity cures and refinancing in time – with a worked example.
Frequently asked questions
What clients want to know
Your question is not listed? Call or write to us – the first meeting is non-binding.
Is FiPAX tied to a bank?
No. FiPAX is tied to no bank and no product. For financing, we obtain offers from several banks, insurers and pension funds and negotiate exclusively in your interest.
Does FiPAX also handle purely legal matters?
Yes. Besides financing, we advise on construction law, succession, inheritance and property transactions as well as on contracts and dealings with authorities – even when no financing is involved.
How does a first meeting work?
We confidentially clarify your situation, your goals and the urgency. Afterwards you know which options exist and how we can support you.
What if a deadline is running?
Many mandates start with a deadline: a loan termination, a notice of defects, an objection period or over-indebtedness. Get in touch as early as possible – the more time remains, the more room for manoeuvre there is.
Who does FiPAX work for?
For owners and investors, companies and SMEs, developers and condominium owners’ associations, and private individuals with demanding financing or legal questions.
Contact
Let’s talk about your project
An initial conversation is non-binding – we will tell you openly whether and how we can help.