Commercial Real Estate Finance — Spain
Fast access to bridge, acquisition and development financing for corporate and professional borrowers on the Spanish Mediterranean coast. From €350K to €50M. Independent lender network. Initial financing assessment within 48 hours.
For professional borrowers
Costa Capital assesses your financing request, structures the case and presents it to suitable independent lenders. We manage the process from initial indication through due diligence and closing. No internal credit decisions — each lender conducts its own underwriting and terms approval.
For professional lenders
Costa Capital introduces professional lenders to pre-screened financing requests from corporate and professional borrowers in Spain. Each lender performs its own underwriting, due diligence and credit approval and determines its own financing terms.
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Have a live project? Run it through the Costa Capital Real Estate Financing Assessment → to identify lender-readiness issues and potential improvements.
Core Services
Costa Capital assesses and structures financing requests for professional borrowers in Spain and presents qualified projects to suitable independent lenders. Bridge finance, acquisition finance, development finance and refinancing. €350K – €50M.
Senior and structured or subordinated financing for residential, commercial and mixed-use development projects, with final leverage and structure determined by independent lender underwriting. We structure the dossier and place it with the right lender.
Development LoansShort-term bridging and acquisition loans for fast acquisition needs and buy-renovate-sell strategies. 6–24 months, rates typically 8–15% p.a., often rolled up.
Bridge & AcquisitionWe structure financing for distressed real estate situations — NPL portfolios, obra parada, urgent acquisitions. We find the capital when the standard market says no.
NPL & WorkoutsReplacement or restructuring of existing financing where asset quality, cash flow or project profile supports a new facility. We prepare the case and match with suitable lenders.
Debt RestructuringTrack Record
A selection of recently structured financing arrangements. All transactions anonymised — full details available under NDA for qualified counterparties.
Bridge Loan · Valencia
€2.3M
Valencia City — Residential Conversion
Senior Debt · Costa del Sol
€4.4M
Marbella — Luxury Townhouse Development
Bridge Loan · Costa Blanca
€1.8M
Ibiza — Villa Acquisition & Refurbishment
All figures indicative. Past transactions do not guarantee future results. Independent valuations recommended.
Submit a Deal
We review every submission within 48 hours. No long intake forms — just the essentials.
Submit your deal — asset type, location, capital required and your timeline.
We respond within 48 hours with a first indication or targeted questions.
Lender review, terms & closing — once a lender confirms interest, we coordinate underwriting, due diligence and the closing process.
All submissions are treated with strict confidentiality.
Or email directly: info@costacapital.pro
FAQ
Costa Capital structures financing from €350,000 to €50M+. We work with bridge loans, developer finance, mezzanine finance and distressed asset financing across Spain.
Our primary focus is the Spanish Mediterranean coast: Costa del Sol (Marbella, Estepona, Málaga), Costa Blanca (Alicante, Dénia, Jávea, Moraira), Valencia region, and Ibiza. We have active lender relationships in all these markets.
Costa Capital aims to provide an initial financing assessment within 48 hours after receiving sufficient project information. Send your asset address, purchase price, funding requirement and exit strategy to info@costacapital.pro.
Leverage and financing structure depend on location, asset type, borrower profile, and independent lender underwriting. Available financing typically includes a senior component, with additional structured or subordinated tranches considered where appropriate. Actual leverage and terms are transaction-specific and subject to independent lender valuation, due diligence, KYC, and final credit approval.
LTV (Loan-to-Value) is calculated against the current market value of the asset. LTC (Loan-to-Cost) is calculated against total project cost including land, construction and fees. For development projects, LTC is often the more relevant metric and can result in higher leverage.
Yes. All borrowers and guarantors must have a valid NIE (Número de Identificación de Extranjero) for any Spanish real estate transaction. Costa Capital can guide you through the process or connect you with a gestor who handles this efficiently.
The 7 critical documents are: Nota Simple (land registry extract), independent tasación (valuation), NIE for all borrowers, financial statements (2-3 years), business plan with sensitivity analysis, licencia de obras status, and corporate structure chart with UBO documentation.
Yes. Costa Capital has extensive experience with cross-border structures including Dutch BV, Belgian NV, UK Ltd and German GmbH above a Spanish SL. We prepare full AML/KYC documentation proactively to avoid delays.
A bridge loan in Spain is a short-term loan (6-24 months) secured against the current asset value. Use it when you need fast acquisition financing, want to buy before arranging long-term finance, or need to exit an existing position quickly. Rates typically 8-15% p.a., often rolled up with no monthly payments.
Development finance typically covers land acquisition and construction costs. Financing structure incorporates a senior component with possible structured or subordinated tranches, drawn in stages against architect certificates and project milestones. Presale requirements, where applicable, vary by project and lender. Actual structure, leverage and terms are transaction-specific and subject to independent lender underwriting, valuation, due diligence and final approval.
About Costa Capital
"I live in Dénia, on the Costa Blanca. Every day I see which projects get financed and which don't — not because of quality, but because of how they're presented to capital. That gap is exactly what Costa Capital fills."
Jaap Meelker
Founder · Costa Capital / JLMX B.V. · Dénia, Spain
Costa Capital is an independent commercial real estate finance intermediary, operating as a trading name of JLMX B.V. We structure business-purpose real estate financing for professional and corporate borrowers in Spain and present qualified financing requests to suitable independent lenders.
Because of our network of 20+ independent debt funds, family offices and specialist lenders, we give borrowers access to financing structures and options that may not be available through traditional bank channels. Projects that banks reject often find financing through our relationships. Your deal gets presented not to a generic product desk, but to the specialist lender who actually wants it.
We work directly with developers, professional investors and asset owners across Costa del Sol, Costa Blanca, Valencia, Ibiza and other key Spanish real estate markets. Financing requests are assessed and structured in-house for efficient, targeted lender placement. Final underwriting, credit approval and financing terms are determined exclusively by the lender.
The result: faster access to decision-makers, flexible financing structures and a broader range of financing options. Costa Capital is a trading name of JLMX B.V., registered in the Netherlands. Multilingual: English, Dutch, Spanish.
48-hour first response. info@costacapital.pro
Structured for the deal, not a generic product shelf.
Our fee structure is agreed per mandate and may include an upfront engagement fee and a success fee, aligning our interests with a successful financing outcome.
Access to 20+ independent lenders means flexible structures, faster decision-making, and financing options when banks say no.
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