Development finance
From preparing the site to construction or renovation. Capital to bring your project to life, with funds released as the work progresses.
- 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
From the first works to completion.
Residential or commercial projects with a clear plan for delivery and repayment.
Prepare the site
Initial works, excavation and infrastructure needed to get the project started.
Build from the ground up
Houses, apartment buildings, offices, warehouses or mixed-use properties.
Renovate and add value
Renovation and conversion of existing properties, in line with the approved project.
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 teamCan funds be released in stages?
Yes. Disbursements can follow the milestones set out in the contract. Our team reviews construction progress and the required documents before each release of funds.
Which documents should I prepare for the construction project?
The project presentation, budget, construction schedule, relevant permits, company and shareholder information, proposed collateral and repayment plan. We will confirm the documents needed based on the project's stage and complexity.
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.