Bridge loan
Capital to make a purchase or keep your project moving while you arrange a property sale or long-term financing.
- Typical funding per project
- €100–150k
Other amounts considered
- Interest payments
- Quarterly
Or as agreed in the contract
- Principal repayment
- At the end of the term
Mortgage discharged after full repayment
Capital between one step and the next.
Temporary funding for a property project, with a source of repayment identified from the start.
Purchase a property
Funding for a purchase while you arrange the planned financing for the project.
Keep your project moving
Liquidity to prepare a development or cover temporary construction needs.
Bridge the gap to a sale or refinancing
Temporary financing until you complete the property sale or secure permanent funding.
Financing terms.
Every project is assessed individually. The proposal sets out the terms so you can decide whether to proceed.
Explore the collateral framework- Who can apply
- Companies and SPVs legally incorporated in Portugal, with the capacity to deliver the project and property collateral in Portugal.
- Term of up to 3 years
- The term is based on the project and repayment plan, up to a maximum of 3 years.
- Up to 75% of the collateral value
- Financing does not exceed 75% of the value of the properties provided as collateral. This ratio is known as LTV (Loan to Value).
- Agreed interest rate and fees
- These depend on the project assessment and the risk of the transaction. You receive the interest rate, contract fee and any other applicable costs before signing.
How funding and repayment work.
Receive the funds
Once the funding campaign is complete and the mortgage is in place, the funds are transferred to the company's account under the agreed terms.
Pay the interest
Quarterly, or on another schedule agreed in the contract, throughout the loan term.
Repay the principal
At the end of the term, you settle the principal and any outstanding amounts. We then arrange for the mortgage to be discharged.
Frequently asked questions
Answers to the key questions about financing your project.
Talk to the teamHow does it differ from development financing?
A bridge loan meets a temporary need until the property is sold or permanent financing is secured. Development financing supports the stages of construction or renovation. Our team helps identify a suitable structure for the project.
How should I prepare the repayment plan?
Explain where the funds to repay the loan will come from, such as a property sale or long-term financing. Include the expected timeline, supporting documents, company information and proposed collateral.
Does the collateral have to be the project property?
Not necessarily. You can propose another property or several properties as collateral. Acceptance depends on the valuation, legal review and agreed terms of the transaction.
Can I repay before the end of the term?
Yes, you can repay early without fees or penalties. Simply let our team know so we can coordinate repayment and discharge of the mortgage.
Let's talk about your project.
Tell us what you have in mind. We'll start by getting to know your project and financing needs.
We are preparing for launch. Submitting your project registers your interest and does not constitute a financing offer or guarantee.