FINANCING WITH REAL ESTATE GUARANTEE · BRIDGE CAPITAL
Financing with real estate guarantees and bridge capital for companies and investors
Liquidity backed by your assets, with a decision within 48 hours. Transactions from €200,000 to €3 million in Costa del Sol, Malaga, Valencia, Alicante, and Portugal.
Decision within 48 hours
From €200,000 to €3 million
Up to 50% of the value
Spain and Portugal
Or speak to an advisor: 698 51 03 20 · Mon–Fri 10:00–18:00
We assess your operation, no commitment required
Three details to get started. We'll ask for your contact details at the end.
- Capital backed by Génova Partners
- Experience in the real estate sector since 2021
- Transactions for institutional funds including Copernicus
- Appraisals under Bank of Spain ECO standards
- Transactions formalized before a notary
For whom
Who is this funding for?
Designed for real-world transactions that traditional banks can't resolve in a timely manner. If your situation falls into this category and you have a property to use as collateral, we can review your application.
01.
Investors with an unexpected opportunity
A below-market purchase, an auction, a seller in a hurry. We provide the bridging capital to close the deal in weeks.
02.
Companies that need working capital or cash
A business opportunity, a stock purchase, a peak in activity. Your real estate portfolio becomes the capital the operation needs.
03.
Developers and construction operations
Capital to acquire land, finance a phase of construction, or cover the period until developer financing.
04.
Corporate debt refinancing
Consolidate your company's scattered debt into a single transaction with real estate collateral, regaining control of your cash flow.
05.
Transactions rejected by banks
Complex history, previous issues, or a profile that doesn't fit the banking algorithm. We analyze the asset's viability.
06.
Bridging capital between two operations
The space between selling and buying, between investing and divesting. We give you the liquidity so that the calendar doesn't decide for you.
Financial intermediation service intended for viable business, professional, or investment transactions secured by real estate. We do not finance personal consumption or the purchase of the applicant's primary residence.
What is
What is real estate-backed financing?
Real estate-backed financing is a loan transaction in which a property is used as collateral for the loan. Unlike traditional banking, which primarily analyzes the applicant's credit profile, this type of financing focuses on the viability of the transaction and the value of the asset provided as collateral.
This allows for quick decisions—48 hours compared to the weeks or months a bank would take—and provides access to capital for businesses, freelancers, and investors whose projects are sound, even if their documentation doesn't meet standard banking criteria. The loan amount is typically up to 50% of the property's appraised value.
At Albora Finance we act as specialized financial intermediaries: we study your operation, structure it and connect it with the appropriate capital, accompanying you throughout the entire process.
How it works
How it works: from first contact to disbursement in 7–15 days
Four steps. Preliminary decision in 48 hours. Formalized transaction in 7 to 15 days.
01
Today
Application and first contact
Tell us about your transaction and your property in the form. We'll call you back within 4 business hours.
02
24–48 hours
Analysis and proposal
We study the feasibility, value the property and send you a concrete proposal: amount, term, cost and schedule.
03
3–7 days
Valuation and land registry verification
Official appraisal under Bank of Spain ECO standards by a homologated valuation company, and verification of charges in the Land Registry. No surprises later.
04
7–15 days
Signing before a notary and disbursement
Signing of the deed before a notary in Madrid or Malaga. Payment on the same day as signing or the next business day.
All expenses are communicated in writing before the appraisal. There are no application or processing fees.
Conditions
Financing conditions
Transparency from the very first minute. These are the general terms and conditions; we will send you the specific terms and conditions for your transaction in writing before making any commitment.
Amount
From €200,000 to €3,000,000
Term
Up to 12 months
Target LTV
Target LTV: 40% to 45% of appraised value, with a wide safety margin over the property's value
Property type
Housing, premises, office, warehouse, land, buildings, hotels and special assets
Situation
Free of encumbrances or with sufficient margin over previous encumbrances
Financial cost
Defined on a case-by-case basis according to LTV and asset characteristics
Response time
24–48 hours
Formalization
Public deed before a notary in Madrid or Malaga
Coverage
Costa del Sol, Malaga, Valencia, Alicante and Portugal
Comparative
Private financing versus traditional banking
When time matters and paperwork doesn't tell the whole story, banking isn't the answer. An honest comparison.
| Concept | Traditional banking | Private finance with security Albora |
|---|---|---|
| Decision time | 30 to 90 days | 24 to 48 hours |
| Analysis | Automated credit scoring | Human analysis of the asset and the operation |
| Profile accepted | Clean history, regular income | Businesses, self-employed and investors, with or without prior incidents |
| Documentation | Statements, payslips, tax returns from multiple years | ID, property registry extract, purpose of the operation |
| Confidentiality | Operation visible in CIRBE | Discreet operation, not reported to banking CIRBE |
We are not a replacement for the bank. We are the complement for operations the bank cannot resolve within the timeframe your situation requires.
About us
Albora Finance: financial intermediation with judgement
Albora Finance operates under Medconnect Invest S.L., active in real estate since 2021, with a team whose professional experience dates back to 2002. We have handled operations for investment funds including Copernicus. We understand the real estate asset from the inside, and that transforms the quality of our financial analysis.
In partnership with Génova Partners
The operations we analyse and structure are channelled to Génova Partners, a Private Credit fund specialised in short-term real estate financing backed by mortgage collateral. Génova Partners prioritises capital preservation through a conservative strategy, a rigorous operation selection process, and a target LTV of 40-45%, offering a wide safety margin over the property's value.
This combination — Albora Finance's real estate expertise and Génova Partners' financial discipline — is what allows us to respond within 48 hours to operations that traditional banks cannot resolve.
Esteban Rojas
Managing Partner
Natalia Krywyj
Managing Partner
Ariel Fontanet
Managing Partner
Calle Casa de Campo, 20 · Mon–Fri 10:00–18:00 · +34 698 51 03 20
Commitments
Our commitments
Cost transparency
Before the appraisal you receive all conditions in writing: amount, rate, term, costs, and timeline. The preliminary analysis is free and without commitment.
Confidentiality
Your data and the details of your operation are handled under GDPR and professional secrecy. The operation does not appear in banking CIRBE.
Renegotiation policy
We prefer to renegotiate rather than enforce a guarantee. If unforeseen circumstances arise, we explore term extensions or restructuring.
Coverage
Where we operate: Costa del Sol, Levante and Portugal
Notary signing takes place in Madrid or Málaga; the rest of the process is handled remotely or in person, according to your preference.
Costa del Sol y Málaga
Málaga
Marbella
Estepona
Fuengirola
Mijas
Benalmádena
Torremolinos
Sotogrande
Valencia y Alicante
Valencia
Alicante
Costa Blanca
Portugal
Lisboa
Algarve
Porto
Is your property in another area of Spain or Portugal? Get in touch: we assess one-off operations outside these areas if the asset justifies it.
FAQ
Frequently asked questions about real estate backed finance
Request the assessment of your operation
If you've reached this point, you probably have an operation in mind. Three minutes to tell us the essentials; we call you within 4 working hours with an initial response. No commitment. No application fee. No paperwork upfront.
Phone Mon–Fri 10:00–18:00 · WhatsApp +34 698 51 03 20 · Office at Calle Casa de Campo, 20