Development finance
Structure land, construction, sales and drawdown milestones before approaching funders.
Corporate and property finance · Spain
Capital structured around the asset and the business.
We prepare and present real-estate financing cases for companies, investors and developers, with clear cash-flow, collateral and repayment logic.
The case before the lender
Complex finance needs a coherent story backed by numbers.
RCG Finance analyses the purpose of the capital, asset, borrower, cash flow, guarantees and exit route before identifying a suitable financing path. We do not promise funding: every lender or investor retains its own approval process.
Investment property
Assess acquisition leverage, rental coverage, capex and exit assumptions as one financing case.
Refinancing
Rework maturity, payment profile or collateral where the current structure no longer fits the asset.
Sale and leaseback
Test liquidity released, rent burden, valuation and long-term control before using an owned property to raise capital.
Business mortgages
The same service we offer individuals, adapted to companies: the property, the corporate structure and the people behind it, presented as one file.
Portfolio coordination
Several assets or transactions at once for developers and investors, with a single point of contact across lenders.
Process
Five stages, no shortcuts.
- Confidentiality and reviewWe sign a non-disclosure agreement and review accounts, deeds, corporate structure and the purpose of the capital.
- Financial structureLoan-to-value, term, guarantees and repayment profile, tested with sources and uses, debt service and sensitivities.
- Lender selection and negotiationWe approach the corporate and real-estate lenders that fit the case and compare price, covenants, guarantees and conditions.
- Coordination and closingValuation, notary, insurance and every party involved, coordinated until signing.
- Review and follow-upWe review the terms periodically and tell you when refinancing may be worth looking at.
What a lender will ask for
Prepare the file once, for every lender.
- Annual accounts and tax returns of the company, and of the partners where the lender asks for them.
- Bank statements and the company’s existing debt, including the Bank of Spain risk report (CIRBE).
- A description of the business or the investment, and how the property will be used.
- The purchase agreement or option, the land-registry extract (nota simple) and, when the time comes, an official valuation.
- A cash-flow forecast that shows the payments can be met without relying on the property’s value alone.
Buying a shop, office or commercial unit? Our guide to financing commercial property in Spain explains percentages, terms and how to structure the purchase. Building on your own land? Read the guide to self-build mortgages.
Frequently asked questions
Before you approach a lender.
Can a company get a mortgage on property in Spain?
Yes, subject to lender approval. Terms depend on the company, the property and its use, cash flow, guarantees and the transaction. Lenders often also look at the partners and may ask for personal guarantees.
How much will a lender finance for commercial property?
Usually less than for a home: lenders typically finance around 50–70% of the valuation of a shop, office or commercial unit, over shorter terms. The figure depends on the asset, the business and the lender, and is never guaranteed.
What does the lender look at first?
The purpose of the capital, the asset, the borrower, the cash flow that will repay the loan and the exit route. A property worth more than the loan does not replace a credible repayment plan.
Do you charge for the initial review?
No. The initial review is free. If we go ahead, the fees are set out in writing before you sign anything, and they are only charged if the transaction completes.
Buying a home rather than a business property? Our non-resident mortgage service covers residential purchases.
Bring us the transaction
Structure the case before you approach a lender.
Share the asset, the amount, the timetable and the borrower. We will assess the financing route and tell you what a lender will want to see.