Case studies

Term · 36 months; repaid early after 10 months

A food distributor financed the expansion of its store network using a retail unit as collateral. The loan had a 36-month term and was repaid early, ten months after completion. The source of repayment funds still needs confirmation.

Funding

120,000 €

Collateral value

379,981 €

Loan-to-value

31.6 %

Collateral

Retail unit

Exit

To be confirmed

Location

Extremadura

Term · Up to 24 months; repaid after 5 months

A construction company obtained funding to refurbish a building with nine homes, using the properties as collateral. The facility had a term of up to 24 months. Five months after completion, the company repaid the loan through refinancing.

Funding

479,815 €

Collateral value

1,526,798 €

Loan-to-value

31.4 %

Collateral

Building with nine homes

Exit

Refinancing (completed)

Location

Asturias

Term · 24 months

A developer needed funding for a property project in Málaga. The loan had a 24-month term, with principal repayment at maturity. The source document reports that the loan was serviced throughout its term and repaid at maturity.

Funding

695,000 €

Collateral value

1,759,496 €

Loan-to-value

39.5 %

Collateral

To be confirmed

Exit

Repaid at maturity; source of repayment funds to confirm

Location

Málaga

Term · 12 months + 12-month renewal

A developer financed the purchase of development land in Sotogrande, secured against the land itself. The initial 12-month loan was renewed for a further year. The company repaid it early through the sale of another asset.

Funding

404,100 €

Collateral value

1,388,114 €

Loan-to-value

29.1 %

Collateral

Development land

Exit

Sale of another asset (completed)

Location

Sotogrande, Cádiz

Term · 36 months

A family-owned business group needed funding to build a hotel project. It offered its own car park as collateral. The loan was structured over 36 months, with bank refinancing as the planned exit.

Funding

458,000 €

Collateral value

1,112,415 €

Loan-to-value

41.2 %

Collateral

Car park

Exit

Bank refinancing planned; completion to confirm

Location

Sevilla

Illustrative example · Not an actual transaction.

26 days to completion · simulated scenario

Fictional example of a property holding company refurbishing four homes for rental. Funding is backed by its residential portfolio, with an exit through rental income and longer-term financing.

Funding

320,000 €

Collateral value

800,000 €

Loan-to-value

40.0 %

Collateral

Company-owned residential portfolio

Exit

Rental income and long-term refinancing

Location

Barcelona

Area / capacity: 4 homes · 360 m²

Illustrative example · Not an actual transaction.

35 days to completion · simulated scenario

Fictional example financing the final stage of an eight-home development. Drawdowns are linked to construction progress and repayment to the sale and handover of completed homes.

Funding

950,000 €

Collateral value

2,200,000 €

Loan-to-value

43.2 %

Collateral

Residential development in progress

Exit

Sale and handover of the homes

Location

Málaga

Area / capacity: 8 homes · 960 m²

Illustrative example · Not an actual transaction.

32 days to completion · simulated scenario

Fictional example of a company with several approaching maturities and company-owned offices. Funding needs are brought into a structure with a repayment timetable linked to the business plan.

Funding

600,000 €

Collateral value

1,200,000 €

Loan-to-value

50.0 %

Collateral

Company-owned offices

Exit

Bank refinancing after cash flow stabilises

Location

Madrid

Area / capacity: 480 m²

Illustrative example · Not an actual transaction.

28 days to completion · simulated scenario

Fictional example of a company using its industrial building to finance machinery. A temporary facility is modelled to support investment while longer-term bank financing is arranged.

Funding

420,000 €

Collateral value

1,050,000 €

Loan-to-value

40.0 %

Collateral

Company-owned industrial building

Exit

Operating income and long-term bank financing

Location

Zaragoza

Area / capacity: 1.450 m²

Illustrative example · Not an actual transaction.

21 days to completion · simulated scenario

Fictional funding example for a retail network expansion. A company provides a retail unit as collateral to fund a new shop fit-out, opening inventory and initial working capital.

Funding

150,000 €

Collateral value

375,000 €

Loan-to-value

40.0 %

Collateral

Company-owned retail unit

Exit

Business cash flow and bank refinancing

Location

Valencia

Area / capacity: 210 m²

Illustrative example · Not an actual transaction.

24 days to completion · simulated scenario

Fictional example of a company seeking to complete a purchase before selling another property. A bridge loan is modelled against a company-owned home, with repayment from the sale of the second asset.

Funding

280,000 €

Collateral value

700,000 €

Loan-to-value

40.0 %

Collateral

Company-owned residential property

Exit

Sale of another company-owned property

Location

Alicante

Area / capacity: 320 m²

Funding

To be confirmed

Collateral value

To be confirmed

Loan-to-value

To be confirmed

Collateral

To be confirmed

Exit

To be confirmed

Location

To be confirmed