Bridging Loans in Spain
We can offer competitively priced bridging loans in Spain for purchase and capital raising.
Our dedicated team is here to streamline the process and secure the funding you need, fast. We cater to property developers, investors, and owners across key regions like Madrid, Barcelona, and Andalusia.
Spanish Bridging Finance
Our bridging loans provide quick and certain funding for acquisitions across Spain, with loans from €250,000 to €25 million+.
As specialists in high-value international property finance, we have a trusted network of over 250 lenders, including private banks, HNW lenders and specialist finance providers.
Expert finance advice
tailored to you
Quality service
Fast, friendly and professional service.
Lender Choice
Over 250 Banks, Hedge Funds, Family Offices & more.
Experience
Over 15 years of specialist finance broking.
Bespoke Lending
Finance tailored specifically to meet your needs.
Financing Opportunities
Spanish property can offer exceptional value and opportunities.
Whether you’re considering a beachfront villa in Marbella or a commercial development in Barcelona, our Spanish bridging loans provide the speed and flexibility you need.
With completion possible in as little as three weeks and terms ranging from 6 to 48 months, you can secure your chosen property while arranging long-term finance or preparing for sale.
We understand that each property transaction is unique. That’s why we structure every loan around your specific needs.
Maximum 70% loan to value.
What can a Spanish bridging loan be used for?
Purchase
Spanish bridging loans are particularly useful when you need to move quickly to secure a property or land.
These loans are also valuable when you’re buying a property that needs significant renovation work – something that traditional mortgage lenders often shy away from.
Raise capital
If you already own property in Spain, a bridging loan can help you unlock its value without selling.
This type of funding works well when you need quick access to capital, perhaps for property renovations or to take advantage of a time-sensitive business opportunity.
Refinance
Sometimes your original bridging loan needs to be replaced with a new one – this is where refinancing comes in.
This typically happens when your current loan is coming to an end but your exit strategy needs more time to play out. For example, if property renovations are taking longer than expected or market conditions have delayed your sale plans.
Who Can Borrow?
We exclusively arrange Spanish bridging finance for corporate borrowing entities.
Our expertise lies in working with sophisticated structures including BVI companies, Luxembourg SPVs, and Spanish corporate vehicles.
This specialisation allows us to provide precisely tailored funding solutions for professional property investors and developers.
Your borrowing entity might be:
- A BVI holding company
- A Luxembourg SOPARFI
- A Spanish Sociedad Limitada (S.L.)
- An international corporate SPV
- An established property investment company
We understand the complexities of cross-border transactions and multi-jurisdictional security structures. Our lender network specifically caters to corporate borrowers, offering advantages in tax efficiency, asset protection, and succession planning.
This specialist focus means we don’t arrange bridging loans in Spain for individually owned properties.
Property Types
Our expertise spans the entire Spanish property market.
For residential purchases, we finance everything from luxury villas to apartment complexes. If you’re looking at commercial property, we understand the unique requirements of hotels, retail units, and office developments.
Many of our clients also use our bridging finance for development projects.
Whether you’re converting an existing building into luxury apartments or building from the ground-up, we’ll create a short-term funding package that fits your project timeline.
Luxury Residential
Prime homes in sought-after locations demand swift, discrete financing.
We arrange high-value loans for premium houses, apartments and penthouses across Spain’s most exclusive areas, from Costa del Sol beachfronts to Madrid’s historic centre.
Commercial Property
Office buildings, retail units and industrial spaces each require specialist funding approaches.
We structure loans that match the unique income profiles and development potential of commercial assets, with particular expertise in value-add opportunities and change-of-use projects.
Hotels & Hospitality
Spain’s tourism sector creates exceptional opportunities in the hospitality space.
We finance everything from boutique hotels to major resorts, with loans structured around seasonal income patterns and renovation schedules.
Student Accommodation
The Spanish student housing market offers strong growth potential near major universities.
We provide funding for both new PBSA (Purpose Built Student Accommodation) developments and conversions, with loans that account for the specific yields and operating models of student housing.
Private Rented Sector (PRS)
Build-to-rent developments are gaining momentum in Spanish cities.
Our funding solutions cover both ground-up PRS construction and existing multi-unit residential blocks, with loan terms aligned to long-term institutional investment strategies.
Mixed-Use Developments
Spanish urban centres often combine commercial and residential space in single properties.
We structure flexible bridging finance packages that reflect the diverse income streams and development potential of mixed-use assets.
Land & Development Sites
From urban plots to coastal development opportunities, we finance land acquisition and construction.
Our short-term bridge loans cover planning phases through to project completion, with staged drawdown options to match your development timeline.
Logistics & Industrial
Spain’s strategic position and expanding e-commerce sector drives strong demand for logistics property.
We finance modern distribution centres, last-mile delivery hubs and warehousing facilities, particularly in key transport corridors around Madrid, Barcelona and Valencia.
Your Trusted Partner
Advantages
The real power of Spanish bridging finance lies in its flexibility and speed.
You’ll get funds when you need them, often within three weeks of application. This swift access lets you move on opportunities that others might miss. For developers and investors, the ability to roll up interest payments until the end of the term helps manage cash flow during projects.
Plus, our lenders consider foreign income and complex company structures, making these loans particularly suitable for international investors.
Points to Consider
Bridging finance comes at a premium compared to traditional mortgages, reflecting its specialist nature and speed of deployment.
You’ll need a solid exit strategy – whether that’s a property sale, refinance, or another source of funds. The minimum deposit typically sits at 50%, though this can vary based on the property type and location. Set-up costs include arrangement fees, plus legal and valuation fees. Some lenders also charge early repayment fees, though we’ll always try to negotiate flexible terms.
Equity Release Options
Many property owners in Spain use bridging loans to unlock equity from their existing assets.
This strategy works particularly well when you need quick capital for business expansion or further property investment. The funds can support refurbishment projects, tax payments, or provide working capital for your business.
Repayment Options
Your exit strategy forms an important part of any bridging loan application.
Most clients repay through property sale or refinancing to a traditional mortgage. For development projects, the exit often comes from completing the project and either selling units or refinancing against the enhanced value. Some clients plan their exit around business sale proceeds or investment maturity.
We’ll help structure your loan around your intended exit, ensuring the term length and conditions align with your plans.
Why Choose Bridging Finance London
Our success in arranging Spanish property finance stems from deep market knowledge and strong lender relationships.
When you work with us, you’ll deal directly with senior advisers who understand both Spanish property and international lending.
We’ve arranged funding for everything from luxury villas in Marbella to major developments in Barcelona.
More importantly, we understand that every property deal brings its own challenges.
You’ll get a dedicated adviser who stays with you throughout the process, handling lender negotiations and ensuring smooth progress to completion.
We know that timing matters in property.
That’s why we focus on swift decision-making and clear communication. From your first call to final completion, you’ll have direct access to the people who can make your Spanish property finance happen.
Get Started – Call 020 3488 5706 for your free consultation.
