Real estate finance advisers · Debt advisory
We secure the financing for your real estate project, case by case
We analyse your transaction, give you an initial assessment within 48 hours and stay with you until signing. Transactions from €1 million to €100 million across Spain.
We know the other side of the table
More than ten years on the lender's side, preparing investment committees and closing transactions. We know what a lender looks at and what makes a deal fall through, and we prepare yours so that it arrives ready.
Discretion
Each project reaches only those who can finance it.
A single point of contact
From the first call to the notary. We coordinate the documentation, the due diligence and the negotiation of the loan agreement so that you can carry on with your project.
Success fees
We only charge if the financing is signed.
How we work
- 1A first call to understand the transaction.
- 2Within 48 hours of receiving the basic information, we give you a clear assessment of viability and reasonable terms.
- 3We present the transaction to the right lenders.
- 4We stay with you through the negotiation until signing.
Track record
More than €5 billion analysed across more than 400 investment opportunities, and more than €100 million in residential construction finance for more than 550 homes, over the course of María Pérez del Valle's career.
About María Pérez del Valle- Ticket size
- From €1m up to €100m per transaction
- Transactions
- Development, acquisition and refurbishment, stalled construction projects (WIP), land, bridge loans and refinancing
- Lenders
- Banks, debt funds, private credit and family offices
- Coverage
- All of Spain
What we finance
Development loan
Land and construction funding for residential developments, drawn against construction certificates.
Learn moreSenior acquisition financing
Acquisition of residential and commercial assets and land with mortgage security.
Learn moreBridge loan
Fast liquidity ahead of a sale, a refinancing or the development loan.
Learn moreRefinancing
Upcoming maturities, construction overruns or terms that are no longer competitive.
Learn moreStalled construction projects (WIP) and work in progress
Finish or acquire halted developments.
Learn moreAcquisition and refurbishment
Renovation, change of use and value add.
Learn moreLand
Development-ready land and land under management.
Learn moreMezzanine and preferred equity
Tranches that reduce the equity you put in.
Learn moreBank or alternative financing
Banks are usually the cheapest option when the transaction fits their risk policy: pre-sales, own resources and the developer's solvency. Alternative financing (debt funds, private credit, family offices and platforms) costs more, but reaches where the bank does not: more leverage, fewer pre-sales, faster decisions and special situations. We compare the two and present the total cost of each offer, not just the interest rate: arrangement and exit fees, retained interest, guarantees and drawdown schedule.
Asset types
Multi-family and single-family residential, hotels, offices, logistics, retail and land.
Senior financing
Senior financing for the acquisition of real estate in Spain (residential, commercial and land), secured by mortgage and structured around the investor's business plan. We compare offers from banks and debt funds on term, leverage and cost.
Bridge loans
Bridge loans where speed matters: acquisitions on a tight timeline, liquidity until a sale or a refinancing, or interim steps before the long-term financing. We work with debt funds and private credit lenders able to decide quickly.
Our approach
We prepare the documentation the lender needs, anticipate its objections and present the transaction only to those with the right fit.
Who it is for
Developers and investors that need to secure or refinance real estate finance in Spain.
Debt funds and private credit lenders looking for well-prepared transactions to deploy capital, with solid documentation and a viable structure.
Companies and property holding structures with real estate assets, family offices and international investors operating in Spain.
Frequently asked questions
How much does it cost?
Our fees are success-based: they are only paid if the financing is signed. We explain the terms before we start.
What amounts do you work with?
Transactions from €1 million to €100 million, across Spain.
How quickly do you reply?
We give you an initial assessment within 48 hours of receiving the basic information.
What do I need to get started?
A description of the project, its location, the cost breakdown, the amount you need and the stage it is at. That is enough for the first call.
What if my transaction cannot be financed?
We tell you clearly and explain what would need to change for it to be financeable.
What kind of real estate finance do you secure?
Development finance, senior acquisition financing, bridge loans, refinancing, financing for stalled construction projects (WIP), acquisition and refurbishment, land, and mezzanine or preferred equity tranches. We work with banks and with alternative financing: debt funds, private credit and family offices.
What is the difference between LTV and LTC?
LTV is the loan divided by the value of the asset. LTC is the loan divided by the total cost of the project (land, construction and associated costs). In development financing, debt funds look mainly at LTC and at the loan against the final value of the development (GDV).
Is a bank or alternative financing better?
A bank is cheaper if the transaction fits its criteria on pre-sales, own resources and risk. Alternative financing is more expensive, but it funds more, requires fewer pre-sales, decides faster and enters special situations. We compare the two on total cost.
What documentation do lenders ask for?
Land registry note or title deed of the asset, licence or town-planning status, construction budget and schedule, a viability study, the status of marketing and sales, a valuation if available, and information on the company and the developer's track record.
Do you work with foreign developers or investors?
Yes. Beyond the financing, we coordinate the legal and tax structure and the incorporation of a company in Spain.
I am a debt fund. How do I send you my criteria?
Write to us with your ticket size, asset types, target areas and target leverage. We will send you only transactions that fit.
Which lenders do you work with?
Banks, debt funds, private credit and family offices.
Contact
Tell us about your transaction
We review your case confidentially and reply within 48 hours at the latest.