Real Estate Loans (Commercial Property Financing)

Real Estate Loans are designed for companies that want to purchase, refinance, or develop commercial properties such as offices, warehouses, or retail spaces.

These loans offer tailored financing solutions based on property value, business performance, and long-term investment goals, enabling companies to strengthen their asset base and secure sustainable growth

Real Estate Loans for Commercial Growth

Strategic Financing for Commercial Property Investments

Our Real Estate Loans are tailored financing solutions designed for companies seeking to purchase, refinance, or develop commercial properties, including office buildings, warehouses, industrial facilities, logistics centers, and retail spaces.

These loans are structured to support long-term business growth by leveraging property value, financial performance, and future investment potential—allowing companies to strengthen their asset base while maintaining healthy cash flow.

How It Works

1. Initial Assessment
   We evaluate the property value, rental income potential, and your company’s financial performance.

2. Customized Loan Structure
   Loan terms are tailored to your investment goals, including:

   • Loan size

   • Repayment period

   • Interest structure (fixed or variable)

   • Amortization profile

3. Approval & Funding
   Once approved, funds are released for acquisition, refinancing, or development.

4. Ongoing Support
   We offer refinancing options, restructuring, and portfolio optimization as your business grows.

What Our Clients Gain

✔ Access to significant capital without diluting ownership
✔ Improved liquidity while retaining valuable real estate assets
✔ Predictable long-term financing
✔ Optimized balance sheet and asset growth
✔ Flexible repayment aligned with rental or business income
✔ Competitive interest rates compared to traditional banks

Loan Features & Terms (Indicative)

Pricing Examples

Example 1 – Commercial Property Purchase

• Loan Amount: €2,000,000

• Interest Rate: 5.2%

• Term: 15 years

• Monthly Payment: approx. €13,400

Equivalent in GBP:

• Loan Amount: £1,720,000

• Monthly Payment: approx. £11,500

Example 2 – Property Refinancing

• Loan Amount: €750,000

• Interest Rate: 4.8%

• Term: 15 years

• Monthly Payment: approx. €5,850

Equivalent in GBP:

• Loan Amount: £645,000

• Monthly Payment: approx. £5,030

Ideal For

• Growing SMEs

• Property-holding companies

• Developers and investors

• Businesses expanding through asset acquisition

• Companies seeking refinancing to unlock capital

An Attractive Financing Offer

 Fast approval process
 Tailored structures instead of rigid bank models
 Competitive rates with long-term stability
 Multi-property portfolio support
 Dedicated financial advisors throughout the loan period

Build Long-Term Value With Confidence

Our Real Estate Loans empower businesses to invest strategically, scale sustainably, and maximize the value of their commercial property portfolio—without compromising operational flexibility

Real Estate Loans for Commercial Growth

Short-Term & Long-Term Financing Solutions

Our Real Estate Loans offer both short-term and long-term financing, designed for companies that need flexibility—whether for rapid acquisitions, bridge financing, refinancing, or long-term property investments.

We support businesses purchasing, refinancing, or developing commercial real estate such as offices, warehouses, industrial units, logistics hubs, and retail properties.

How It Works

1. Property & Business Review
   We assess the property value, market position, income potential, and your company’s financial strength.

2. Tailored Loan Structure
   You choose the loan duration and structure that best fits your strategy:

   • Short-term (6–24 months)

   • Long-term (1–10 years)

3. Fast Approval & Funding
   Short-term loans benefit from accelerated approval and quick access to capital.

4. Exit or Refinance Options
   At maturity, you may repay, refinance, or convert into a long-term facility.

Short-Term Real Estate Loan Offers

(6, 12 & 24 Months)

Ideal for bridge financing, acquisitions, renovations, development phases, or liquidity optimization.

Key Features

✔ Fast approval (often within weeks)
✔ Minimal documentation compared to traditional banks
✔ Interest-only options available
✔ Flexible exit strategies
✔ EUR and GBP financing

Indicative Terms

Short-Term Pricing Examples

6-Month Bridge Loan

• Loan Amount: €1,000,000

• Interest Rate: 7.5%

• Monthly Interest: approx. €6,250

GBP Equivalent:

• Loan Amount: £860,000

• Monthly Interest: approx. £5,380

12-Month Property Loan

• Loan Amount: €750,000

• Interest Rate: 6.8%

• Monthly Interest: approx. €4,250

GBP Equivalent:

• Loan Amount: £645,000

• Monthly Interest: approx. £3,650

24-Month Development Loan

• Loan Amount: €2,500,000

• Interest Rate: 6.2%

• Monthly Interest: approx. €12,900

GBP Equivalent:

• Loan Amount: £2,150,000

• Monthly Interest: approx. £11,100

Long-Term Real Estate Loans

(1–15 Years)

Designed for stable ownership, rental income, and long-term portfolio growth.

What Clients Gain

✔ Access to capital without equity dilution
✔ Flexible financing across short- and long-term needs
✔ Improved liquidity and balance sheet optimization
✔ Faster execution in competitive property markets
✔ Professional support throughout the loan lifecycle

A Highly Attractive Financing Offer

 Short-term loans from just 6 months
 Long-term stability up to 15 years
 Competitive pricing in EUR and GBP
 Fast decision-making
 Exit, refinance, or conversion options

Build, Acquire, or Refinance — On Your Terms

Whether you need rapid short-term funding or long-term investment financing, our Real Estate Loans are structured to move at the speed of your business while supporting sustainable growth.

Security & Collateral Requirements

To ensure responsible lending and competitive pricing, all Real Estate Loans are secured by appropriate collateral. The required security structure depends on the loan size, duration, property type, and risk profile.

Primary Collateral

1. Mortgage on the Property

A first-ranking mortgage over the financed property is required in most cases.

• Commercial real estate (offices, warehouses, retail, logistics, industrial)

• The property must be independently valued by an approved valuer

• Loan-to-Value (LTV) typically up to 65–70%

Additional Security (When Applicable)

Depending on the transaction, one or more of the following may be required:

2. Personal or Corporate Guarantees

• Personal guarantees from shareholders or directors

• Corporate guarantees from parent or holding companies

3. Pledge of Shares

• Pledge over shares in the property-owning company (SPV)

4. Assignment of Rental Income

• Pledge or assignment of rental income and lease agreements

• Particularly relevant for income-generating properties

5. Bank Account Pledge

• Pledge over designated operating or rent collection accounts

6. Development Security (For Construction Projects)

• Step-in rights

• Construction contracts and permits

• Cost-to-complete analysis

Short-Term Loan Security (6–24 Months)

Short-term and bridge loans typically require stronger collateral coverage due to their accelerated timelines.

✔ First-ranking mortgage
✔ Lower LTV (typically max 60–65%)
✔ Clear exit strategy (sale or refinancing)
✔ Additional guarantees may apply

Long-Term Loan Security (1–15 Years)

Long-term loans allow for more flexible structures:

✔ First-ranking mortgage
✔ Stable cash flow or rental income
✔ Standard LTV up to 70%
✔ Long-term guarantees assessed case-by-case

What We Do NOT Require

✘ No equity dilution
✘ No transfer of operational control
✘ No complex bank bureaucracy

Why This Benefits Our Clients

✔ Lower interest rates through strong collateral
✔ Faster approvals
✔ Transparent and predictable structures
✔ Long-term security for both lender and borrower

A Clear & Secure Lending Process

Our collateral requirements are designed to protect both parties, ensure stability, and enable attractive pricing—without unnecessary complexity.

Each transaction is assessed individually to provide the most efficient security structure possible

Security & Collateral – FAQ

What security is required to obtain a Real Estate Loan?
A first-ranking mortgage on the commercial property is required in most cases.

What types of properties can be used as collateral?
Offices, warehouses, industrial properties, logistics centers, retail units, and mixed-use commercial properties.

What is the maximum Loan-to-Value (LTV)?
Up to 70% for long-term loans and up to 60–65% for short-term loans.

Are additional guarantees required?
Depending on the transaction, we may require:

• Personal or corporate guarantees

• Pledge of shares in the property-owning company

• Assignment of rental income

Do you require personal assets as collateral?
Personal guarantees may be requested, but private assets are not automatically required.

Are rental incomes considered as security?
Yes. Rental income and lease agreements can be pledged as part of the security package.

Are short-term loans secured differently?
Yes. Short-term loans (6–24 months) require stronger collateral and a clear exit strategy.

Do you take equity or operational control?
No. We do not take equity, ownership, or operational control.

Is each loan assessed individually?
Yes. All loans are structured on a case-by-case basis to ensure fair pricing and flexibility.