Development Finance for Spanish Property Projects
We arrange multi-million euro development finance for corporate entities and SPVs investing in Spanish property projects.
Our connections with 250+ specialist lenders, private banks and funds mean better terms and faster completion for your development.
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.
How Does Development Finance Work in Spain
Unlike traditional Spanish banks, which typically offer limited leverage and rigid terms, our specialist lenders take a more commercial approach.
They assess the project’s viability and future value rather than focusing solely on current assets and trading history.
Development funding releases in stages.
The initial draw provides capital for your land purchase or property acquisition, followed by construction funding at agreed project milestones.
As work progresses, additional releases match key completion stages, ensuring smooth cash flow throughout the development.
Loan Repayment
Spanish development projects exit through either sales or refinancing.
For residential schemes, this means selling completed units to end buyers – often with pre-sales forming part of your exit strategy.
Pre-sales not only support your funding application but can also trigger staged repayment of your facility.
For commercial developments like hotels or retail schemes, long-term commercial mortgage refinancing provides a common exit route.
We help structure your development finance with these exits in mind, often securing terms with preferred refinancing partners before your project begins.
How We Help Secure Your Development Finance
As specialist finance brokers, we go far beyond simply finding lenders.
Our expertise in deal structuring means we’ll create the optimal borrowing structure for your development through SPVs, ensuring tax efficiency and strong commercial viability. For larger projects, we can bring in additional layers of finance through joint venture partnerships or mezzanine arrangements.
Our network of over 250 lenders gives you unparalleled access to funding sources.
We maintain strong relationships with private banks across London and Europe, as well as specialist development lenders, family offices, and alternative finance providers.
Risk Management and Local Expertise
Your interests are protected through every stage of the process.
We negotiate favourable loan terms and structure stage payments to optimise your cash flow.
Where needed, we’ll arrange currency hedging solutions to protect against exchange rate fluctuations.
Local knowledge, combined with our international finance expertise, helps smooth the path to completion.
Lending Parameters
Your development finance application needs to meet certain criteria to secure the best terms.
Full planning permission must be in place, with clean title and a professional team ready to execute. Your corporate entity should demonstrate clean history and transparent ownership.
We can arrange loans from €500,000 with no upper limit – we regularly arrange facilities exceeding €5 million.
How Our Lending Works
Getting development finance for your Spanish project is straightforward when you work with us.
First, we’ll have an initial discussion about your project, understanding your requirements and timeline. We’ll then approach suitable lenders from our network of trusted funding sources, negotiating terms on your behalf.
Once we’ve secured the best offers, we’ll help structure the deal through your chosen corporate entity or SPV.
Funds are released in stages to match your development timeline, with draw-downs linked to construction milestones.
Project Types We Finance
Spanish property development spans multiple sectors, each offering unique opportunities.
Here’s how our lending solutions support some of them:
Premium Residential
The luxury residential sector in Spain continues to attract global buyers, particularly in prime coastal locations.
High-end apartment complexes consistently achieve strong sales rates, with premium specifications and facilities driving excellent returns.
Villa Projects
Individual and multiple villa developments remain highly sought after, especially in the Costa del Sol and Balearic Islands.
These projects command premium prices and attract international buyers seeking second homes or investment properties. We support both boutique villa schemes and larger gated communities.
Hotel & Resorts
Spain’s tourism sector creates excellent opportunities for hotel development and renovation.
From boutique hotels to major resorts, we arrange finance for both new builds and conversions.
Apart-Hotel Schemes
Apart-hotel developments blend the best aspects of residential and hospitality sectors.
These projects often achieve premium rates and strong occupancy levels, particularly in prime tourist locations. We arrange funding that considers both the development phase and operational requirements.
Retail
From local retail schemes to major shopping destinations, Spain’s retail sector offers strong development potential.
Our lenders support various retail projects, understanding the importance of location, anchor tenants, and local market dynamics.
Mixed-Use Projects
Combined developments often achieve the strongest returns in prime locations.
These might include retail units below residential apartments, or hotels with integrated commercial facilities. We excel at structuring complex funding packages for mixed-use schemes.
Commercial Offices
Office development in key Spanish business locations continues to show strong potential.
Whether creating modern business centres or converting existing buildings, we arrange finance that matches your development timeline.
Private Rented Sector (PRS)
Spain’s rental market has good demand for high-quality PRS developments, particularly in major cities like Madrid and Barcelona.
We arrange funding packages that consider the build-to-rent model’s specific requirements, including extended stabilisation periods and operational cash flows.
Purpose-Built Student Accommodation (PBSA)
The Spanish student housing sector presents significant opportunities, especially near major universities and in key student cities.
With international student numbers growing and a shortage of quality accommodation, well-located PBSA developments can achieve strong yields. Our lenders understand this specialist sector, offering terms that account for academic year cycles and phased lettings.
We structure finance for both new builds and conversions, supporting schemes from boutique developments to large-scale student communities.
Your Trusted Partner
Getting Started
Beginning your Spanish development project requires careful preparation.
We’ll need to review your development appraisal, cost breakdowns, and construction timeline. Your corporate information, including company structure details and latest accounts, helps us approach the most appropriate lenders.
We’ve streamlined the application process to make it as efficient as possible.
Our initial assessment quickly identifies any potential challenges, allowing us to address them proactively and maintain momentum toward completion.
Why Choose Bridging Finance London
Our success in arranging Spanish property development 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.
Get your project moving quickly with approvals secured in as little as 3-6 weeks.
Get Started – Call 020 3488 5706 for your free consultation.
