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Managed Loan Investment (MLI)

Earn returns on your company’s idle cash by investing it with AMINA. AMINA uses that capital to provide loans to existing AMINA clients, allowing investors to earn returns of up to 4% p.a. in CHF, up to 6% p.a. for EUR and up to 7% p.a. in USD.

As an investor, you are not engaging in lending yourself. AMINA manages every element of the loan to the borrower, including borrower checks, monitoring the value of the collateral and repayment of the loan itself.

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What is a Managed Loan Investment?

A Managed Loan Investment (MLI) allows you to earn returns on idle cash by investing with AMINA.

AMINA uses that capital to provide loans to existing AMINA clients. As an investor, you are not engaging in lending yourself. Instead, AMINA structures, manages, and monitors the loans throughout their lifecycle.

Loans are offered to existing AMINA clients, and the borrower must provide AMINA with collateral worth more than the amount that is borrowed to protect AMINA against the risk of borrower default.

Collateral may consist of traditional assets, digital assets, or a combination of both.

Earn up to 4% p.a. in CHF, up to 6% p.a. for EUR and up to 7% p.a. in USD

Invest for 1 to 6 months

Invest from CHF 200k (EUR/USD equivalent)

Loans are backed by collateral worth more than the loan amount

Receive quarterly interest payments

AMINA manages and monitors the loans throughout the investment term

How it works

  1. Step 1: AMINA structures the opportunity 

    AMINA identifies eligible borrowers, evaluates their creditworthiness, defines loan terms, and ensures sufficient collateral is pledged in its favor before the loan is issued.

  2. Step 2: Your company allocates capital

    Your company chooses the amount to invest (minimum CHF/USD 200,000) and transfers funds to AMINA. You receive confirmation together with the key terms of the investment.

  3. Step 3: AMINA manages the loan

    AMINA acts as lender and collateral manager, continuously monitoring collateral levels, borrower obligations, and the overall health of the loan.

  4. Step 4: Your company receives returns

    Your company receives quarterly interest payments. Invested capital is returned upon repayment of the loan to AMINA, subject to the agreed terms.

Indicative returns

Currency Indicative Annual Return*
USD Up to 7% p.a.
CHF Up to 4% p.a.
EUR Up to 6% p.a.

Valid as of [1 May, 2026]

*Returns are indicative and subject to change. Actual returns depend on market conditions, loan-specific factors, collateral composition, and investment tenor.

Why choose Managed Loan Investments

Put excess liquidity to work

Potentially earn higher returns on surplus cash than traditional cash holdings, while AMINA arranges and manages collateral-backed lending opportunities.
Short-term commitment

With typical investment terms of 1 to 6 months, businesses can deploy excess liquidity without long-term capital commitments.
Risk-managed approach

AMINA only lends to existing clients and requires collateral worth more than the loan amount. Collateral may consist of traditional assets, digital assets, or a combination of both.
Operational simplicity

AMINA manages the entire loan lifecycle, including borrower assessment, collateral monitoring, administration, interest collection, and repayment management.

Frequently asked 
questions

The borrower is an existing AMINA client that has been assessed by AMINA and provides AMINA collateral worth more than the amount borrowed.

No. AMINA acts as the lender and manages the borrower relationship. Businesses gain exposure through the Managed Loan Investment structure.

Interest is paid quarterly.

The minimum investment amount is CHF 200k (EUR/USD equivalent), depending on the client’s preference.

MLI may be available in a range of currencies. Availability depends on underlying lending opportunities and borrower demand in each currency. Other currencies may be offered from time to time. Please speak to your Relationship Manager for current availability and further details.

Collateral may include traditional financial assets, digital assets, or a combination of both, and must exceed the amount borrowed.

Ready to put your company's idle cash to work?

Generate competitive returns on excess cash while AMINA manages the lending process from origination through to repayment.

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Ready to put your company's idle cash to work?

Notice for UK visitors

AMINA Bank AG (AMINA) is a Swiss bank, authorised and regulated by the Swiss Financial Market Supervisory Authority (FINMA). AMINA’s products and services are only licenced in Switzerland. They are not registered or approved outside of Switzerland. Your IP address indicates that you are attempting to access AMINA’s website from the UK. If you want to explore AMINA’s products and services that are available in the UK, you can do so by accessing AMINA’s UK specific website.

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