Real Estate Finance — Spanish Mediterranean Coast
Costa Capital connects European private capital with developers and investors on the Spanish Mediterranean coast. We structure the financing and introduce the right lender or investor to your project. Independent. Local. Direct.
For developers & project owners
Finding financing for Spanish real estate development outside the standard bank channel is slow, opaque, and often leads nowhere. Costa Capital structures and places your financing request directly with the right private lender or family office — in weeks, not months.
For private lenders & investors
Costa Capital acts as your independent intermediary on the Spanish Mediterranean coast. We identify, assess and structure real estate financing opportunities — and introduce you directly to the developer or project owner. You lend or invest into a deal we have already underwritten.
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Costa Capital
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What We Do
Costa Capital structures debt and equity financing for real estate developers and project owners in Spain — and introduces the right private lender or investor to each project. Independent. Both sides of the table.
Senior and mezzanine debt for residential, commercial and mixed-use development projects. We structure the dossier and place it with the right lender. Up to 80% LTC via combined tranches.
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 & WorkoutsWe introduce private lenders, family offices and equity investors directly to pre-assessed projects. Both sides benefit: developers get capital, investors get access to structured opportunities.
Capital MatchingTrack 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.
Our AI financing assistant gives you an immediate indication of what financing is available for your Spanish real estate project — before you pick up the phone.
Costa Capital Finance Assistant
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.
Term sheet & close — we move fast when the opportunity is right.
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.
We provide indicative terms within 48 hours of receiving your project details. Send your asset address, purchase price, funding requirement and exit strategy to info@costacapital.pro.
LTV depends on location and asset type. For bridge loans: up to 70% LTV on Costa del Sol, up to 68% on Costa Blanca, up to 65% in Valencia and Ibiza. For development finance, we can structure up to 80% LTC via senior and mezzanine combined.
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 covers land acquisition and construction costs. Lenders structure a senior tranche (up to 70% LTC) with construction drawn in stages against architect certificates. Most lenders require 30-50% presales before releasing construction tranches. With mezzanine, total leverage can reach 80% LTC.
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 real estate finance intermediary. We structure debt and equity financing for developers and project owners in Spain — and introduce the right private lender or investor to each deal. We operate on both sides: arranging the financing structure and matching it to capital.
We work directly with developers, investors and asset holders across Costa del Sol, Costa Blanca, Valencia and Ibiza — no unnecessary layers, no slow processes. Our decisions are made in-house, which means faster answers and real flexibility.
Operating through JLMX B.V. (Netherlands) and Costa Capital (Spain). Multilingual: English, Dutch, Spanish, French.
48-hour first response. Term sheets in days, not weeks.
Structured for the deal, not a generic product shelf.
We work on success fees. Our result depends entirely on yours.
Locally rooted in Spain, connected to European private capital.
Direct Contact
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