At Société2Courtage (S2C), we specialize in tailored financing solutions designed for High-Net-Worth Individuals (HNWI) and Ultra-High-Net-Worth Individuals (UHNWI).
We define HNWI as individuals with at least USD 2 million in liquid assets, and UHNWI as those with USD 10 million or more in liquid assets. For these clients, financing needs go far beyond standard banking solutions — they require strategic, flexible, and sophisticated debt structuring.
Bespoke Financing for
HNWI & UHNWI Clients
A Customized Approach to Financing
The optimal financing structure depends primarily on your investment horizon and the nature of your asset.
Real Estate Financing
When acquiring real estate, we analyze whether the property is intended for:
- Patrimonial holding (long-term wealth preservation),
- Personal enjoyment (primary or secondary residence), or
- Pure investment (development, build-to-sell, or capital appreciation).
This assessment allows us to recommend the most suitable debt structure — whether long-term or short-term financing, amortizable or in fine loans, or a combination of both.
Business & Investment Financing
For business development, cash flow optimization, or funding rounds, we can structure debt solutions over a 3 to 5-year horizon, typically at competitive rates, ensuring financial flexibility without excessive dilution or asset sales.
Flexible Collateral Options
Our financing solutions can be secured against a wide range of assets, including:
- Tangible assets: real estate, precious metals, luxury assets
- Intangible assets: shares, private equity stakes, or even cryptocurrencies
This flexibility enables our clients to access liquidity while preserving their investment portfolios.
Attractive Loan Terms
Our loans are typically:
- Fixed-rate for 5 to 10 years,
- Available in USD, EUR, or CHF,
- Structured to align with your overall wealth and investment strategy.
The average entry level for equity-backed loans is €2 million, making these solutions accessible to sophisticated investors seeking leverage.
Key Benefits of Equity & Asset-Backed Loans
Our financing structures offer several strategic advantages:
✔ No forced asset sales
maintain your current investment positions
✔ No immediate capital gains tax exposure
as assets remain in your portfolio
✔ High leverage potential
50–75% against tangible assets
70–95% against intangible assets
✔ Competitive interest rates
often offset by portfolio performance or financial structuring
Why Choose S2C?
With over 10 years of experience, S2C brings unmatched expertise in international lending and wealth financing.
Our added value includes:
Access to 60+ lending partners across Europe,
Digital, efficient application processes,
Fast turnaround times,
Optimized cost and financing structures tailored to your needs.
