Real estate companies now refinance via Loanboox

Real estate companies now refinance via Loanboox

Loanboox, the leading financing platform, has modernised debt financing for the public sector. The company now also offers its services to housing cooperatives, real estate funds and real estate companies. For this purpose, Loanboox has added the experienced real estate financing expert Patrick Zurfluh to the team.  

To date, municipalities, cities and large companies have concluded 2’500 loans via Loanboox. Due to the high demand, the financing platform is now also offering its services to housing cooperatives, real estate funds and companies. 

The first pilot transactions have already been concluded in recent months. A housing cooperative from the canton of Zurich has saved 20% of its financing costs and more than halved its workload. With its new offering, Loanboox combines the advantages of the digital platform (digital offer comparison, efficient processes and access to a big lender network) with professional, personal advice. 

For this purpose, the financing expert Patrick Zurfluh joins the team as Head of Real Estate Financing. Patrick Zurfluh previously worked for Raiffeisen and Credit Suisse as a real estate financing specialist and explains:

«When working there, I noticed: Real estate financing should be simpler and more cost-efficient. That’s why I have joined Loanboox. I’m looking forward to helping real estate companies get their best financings.»

For lenders, Loanboox also creates advantages, by enabling wider access to opportunities and streamlined processes. In the digital data room, all documents and necessary information are available in one place and clearly synthetised. This eliminates the need for multiple back and forth between borrowers and lenders. Fair communication and clear deadlines are an advantage for all parties. Loanboox is open to partnerships with interested associations or organisations. 


Martina Bühler, CMO
Patrick Zurfluh, Head Real Estate Financing
Talacker 50, 8001 Zurich 
+41 55 220 78 29,

Results of the World Climate Conference: What the financial industry has to do with it

Results of the World Climate Conference: What the financial industry has to do with it

The World Climate Conference COP26, which ended mid-November, delivered important results against climate change. We show these and explain what sustainable finance means and what role the financial sector is playing in the fight against climate change.

The goal of the 26th World Climate Conference COP26 in Glasgow was to advance measures to achieve the goals of the Paris Agreement and the UN Framework Convention on Climate Change.

Achieving Net Zero: The contribution of the World Climate Conference COP26

The Glasgow Climate Pact was adopted at COP26 – almost 200 countries agreed to it. Aside from the one-sentence explanation of keeping the temperature rise below 1.5°C, these are the main points discussed by the delegates:

  • Coal will be “phased down”.
  • $500 billion to developing countries in the next 5 years to help them cut emissions and cope with the impacts of the climate crisis.
  • A database, communications and reporting system (Santiago Network) for countries and organisations to identify and catalyze opportunities and mobilize assistance to address loss and damage from climate change.

Some countries and NGOs described the results as “disappointing”. However, most countries agreed that the deal was balanced at this point, given their differences. The New Zealand chief negotiator summarized it as follows: “The text represents the ‘least bad’ result.”

More information about COP26 and its results can be found here.

Explanation of terms: Net Zero

Net Zero (net zero emissions) means that, through various measures, humans remove the same amount of the greenhouse gases they produce from the earth’s atmosphere. Accordingly, net zero means climate neutrality. The goal of global climate policy: to achieve Net Zero respectively climate neutrality by 2050.

Sources: Avenir Suisse and IPCC

What is the connection between the measures mentioned and the financial world?

The importance of sustainable finance

The way the world is currently managing its economy is not sustainable. The ecological level is overstretched and has reached its capacity limits. The financial sector has a central role to play in fighting climate change. On the one hand, enormous sums must be invested to promote sustainable measures, such as renewable energies. This is in order to achieve the UN’s Sustainable Development Goals. On the other hand, huge amounts of money are still flowing into organizations, projects and investments that do not meet sustainability criteria.

What role does finance play in net zero?

One of the key objectives identified in the run-up to COP26 was to mobilize finance. The Glasgow Financial Alliance for Net Zero (GFANZ) was launched to raise standards, drive ambition and ensure that Net Zero commitments are transparent, credible and consistent. Trillions must flow from the private and public sectors for Net Zero to be achieved.

Portrait von Andi Burri

Image source: flickr

“The private sector is realizing that climate risks are very important for their portfolios and they need to align them to a more sustainable way of doing things.”


Patricia Espinosa, Executive Secretary of the UN Framework Convention on Climate Change

500 global financial services firms have responded and agreed to align $130 trillion – 40% of the worlds’ financial assets – with the goals set out in the Paris Agreement, including limiting global warming to 1.5°C. An encouraging sign.

In the next article, we will do a deep-dive on the roadmap and the role of institutional investors, governments and cities to financing Net Zero.

Stay tuned.

“The new normal”. How digital solutions help through the pandemic

What are the biggest challenges for treasurers on the way back after the COVID 19 pandemic? In a multi-part virtual conference, the auditing firm PwC gets to the bottom of this question and sheds light on the various facets behind it.

Is there a new “new normal” with COVID-19? And how might it change the work of treasury staff? Experts from international technology companies and financial service providers will share their views on the development of tax regulations, green finance and cyber security, for example.

In addition, the webinar series will focus on the possibilities of digital transformation and how finance processes can be optimised as a result. Stefan Feller, Head Capital Markets/Bonds, will participate on behalf of Loanboox. Keyword: Digital Treasury. 

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Does that sound exciting? Then register now for the webinars on 01 and 08 June 2021.

The World in Covid 19 Shock – The Big Picture Special with Mark Dittli

The World in Covid 19 Shock – The Big Picture Special with Mark Dittli

How is the world – and Switzerland in particular – coping with the Covid 19 shock? How great is the economic damage? These questions were the focus of an exciting virtual Loanboox panel discussion with business journalist and “The Market” editor-in-chief Mark Dittli.

The bar chart makes it clear: 2020 was a disaster for most countries in economic terms. A single, red bar in the annual overview points steeply downwards. On another presentation slide, a heat map shimmers in shades of yellow, red and green. It shows a global comparison of how far the economic recovery has progressed in the individual countries – or not. “The Market’s editor-in-chief Mark Dittli explains the details and background so logically and comprehensibly that it is simply fun to follow his explanations.

Comprehensive market knowledge compactly packaged

In his 20-minute talk, the economic journalist looks at how the rapid rise in interest rates in the USA will affect the markets and Switzerland in particular. He takes a close look at economic and industrial sectors that have been the quickest to get back on their feet after the Covid 19 shock. In doing so, Dittli pays particular attention to the investor perspective. The intensive Q&A session afterwards showed how much he struck a chord with the participants. All in all, a successful start to an exciting series of expert talks.

Curious? You can watch Mark Dittli’s presentation here.


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Further expert talks and assessments on topics related to the economy, financial markets and digitalisation can be found here.

Interest rates and inflation – Daniel Stelter’s economic forecast

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How do cities and municipalities get through the Corona crisis? What do capital providers and investors need to be successful? And what advantages does digitalisation bring? In the loanboox.asks. series, we talk to experts about topics like these. Daniel Stelter kicks off our audio talks.

The forecasts for 2021 are mixed. On the one hand, highs on the stock market – on the other hand, dampened economic expectations due to the ongoing Corona pandemic. And on top of that, central banks are pumping massive amounts of money into the markets and keeping interest rates low. In loanboox.asks. we talked to the economic expert and author Daniel Stelter about how all this is connected. He says:

The economic consequences of the Corona crisis will keep us busy for a very long time.

Listen to his assessments in the following audio:

Niedrigzins und Inflation - ein Ausblick auf 2021 mit Daniel Stelter

by Simone Franzke

About Daniel Stelter:

Daniel Stelter is a macroeconomist, strategy consultant and author. In his podcast “Think beyond the obvious” he looks behind the scenes of economic and financial policy and explains important connections.

No time to listen to the audio? Then simply download the article.

Study on community financing in Switzerland. Part 2: “Intermediary platforms benefit everyone”.

Who are the preferred financing partners of Swiss municipalities? And why are online platforms also becoming increasingly interesting for investors? In the second part of our blog series, we take a closer look at these aspects and let economist Prof. Christoph Lengwiler have his say.

Since 2003, the Lucerne School of Business has regularly examined the financing structure of medium-sized municipalities in Switzerland – most recently in 2019. In the study published this summer, it concludes that the market has changed significantly in recent years.

With whom?

Especially with regard to financing partners, there is movement. With 51.3 percent of the recorded credit volume, banks are still the most important partner of the municipalities, but the market share is almost 11 percent lower than in the 2016 study. On the other hand, pension funds seem to be becoming an increasingly attractive financing partner: They are recording an increase of a good 10 percent. Almost half of the credit volume is thus no longer financed by banks.

But the weighting has also shifted within the banks. PostFinance and the Raiffeisen banks have maintained their position in the market compared to the previous study, but the cantonal banks and the other banks (UBS, CS, etc.) recorded lower market shares at the end of 2019. The same applies to insurance companies, which have almost completely withdrawn from the market in recent years. Obviously, municipal financing, although highly rated in terms of creditworthiness, is not attractive enough due to the low margins.

Mediation platforms are used more often

And what about alternatives to the classic loan brokerage via the house bank advisor? According to the study, more than half of the surveyed municipalities (60%) now work with service providers such as loan brokerage platforms or brokers. In 2016, it was only just over 41 per cent. But the platforms are not only attractive for borrowers, says study leader Prof. Dr. Christoph Lengwiler, but also for potential investors.


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Quality before quantity

A certain consistency seems to be important to the municipal finance directors: The number of brokers and platforms used by the municipalities decreased compared to the last study. This is evidence of a concentration on certain service providers. In the ranking of which service providers the municipalities use for their loan requests, Loanboox takes second place with 33% after only three years in the market.

Details about the study and the participants

In 2003, the Institute of Financial Services Zug (IFZ) at the Lucerne School of Business, under the direction of Prof. Dr. Christoph Lengwiler, conducted its first survey of the financing market for medium-sized municipalities in Switzerland. The study has been conducted six times since then – most recently at the end of 2019. The focus is on municipalities with 4,000 to 30,000 inhabitants. In the most recent study, a total of 470 municipalities were requested and 238 provided their data – this corresponds to just under eleven percent of all municipalities in Switzerland. With a participation rate of 50.6%, the survey can be considered largely representative. For the first time, Western Switzerland was also included, which is reflected in the credit volume with an increase of almost 30% compared to the 2016 study.

Read also part 1 of the blog series on municipal financing in Switzerland.