Frequently Asked Questions about Developer Loans and Business Financing

Question 1

How long does the approval process take?

GrupInversor · Accepted Answer

For private financing, the proposal can be presented in 24-48 hours and, for more complex operations, up to a week. Formalization usually takes 3-4 days if all documentation is available; up to 15 days for individual mortgages. In bank financing, the initial response may take 2-3 weeks, and formalization varies between 2-3 days (for loans and working capital lines) and up to 15 days (for individual mortgages).

Answer

For more detailed information about how long does the approval process take?, check our specialized services or contact our experts.

Question 2

Do I have to pay any amount for study or management?

GrupInversor · Accepted Answer

No fees are charged in advance or for initial management. An intermediation commission is only invoiced when financing has been obtained, conditions accepted, and the operation signed.

Answer

For more detailed information about do i have to pay any amount for study or management?, check our specialized services or contact our experts.

Question 3

What documentation do I need to submit?

GrupInversor · Accepted Answer

For private financing, an updated property note or appraisal, explanation of the purpose of funds, and proof of repayment capacity are requested. In bank financing, articles of incorporation, powers of attorney and certificate of beneficial ownership, VAT and IRPF declarations, Treasury and Social Security certificates, CIRBE, banking pool, and shareholder/administrator data (ID and tax return) are required.

Answer

For more detailed information about what documentation do i need to submit?, check our specialized services or contact our experts.

Question 4

Can I apply for financing if my company is new?

GrupInversor · Accepted Answer

If the company is less than a year old, it is difficult to obtain bank or private financing without additional guarantees (personal guarantee or real estate).

Answer

For more detailed information about can i apply for financing if my company is new?, check our specialized services or contact our experts.

Question 5

What is the minimum amount I can request?

GrupInversor · Accepted Answer

Generally, the minimum amount is €40,000. In specific cases, lower amounts are considered.

Answer

For more detailed information about what is the minimum amount i can request?, check our specialized services or contact our experts.

Question 6

Are there penalties for early cancellation?

GrupInversor · Accepted Answer

In most cases they do not apply, although it depends on the product and the institution. Any commission is detailed in the financing offer.

Question 7

What minimum requirements must my company meet?

GrupInversor · Accepted Answer

At least one year of seniority is required (except real estate guarantee), be incorporated in Spain, and a minimum turnover of €400,000 per year for banking operations or without guarantee. Companies without billing history are not financed.

Question 8

Do you accept companies with incidents?

GrupInversor · Accepted Answer

Yes. For companies with defaults or debts with Treasury/Social Security, it is necessary to have real estate guarantees (homes, premises, warehouses or land). Each case is analyzed individually.

Frequently Asked Questions about Financing

Complete help center with specialized answers about developer loans, business financing and all our financial services

Specialized Help Center

Financing Process

How long does the approval process take?

Do I have to pay any amount for study or management?

Required Documentation

What documentation do I need to submit?

Conditions and Requirements

Can I apply for financing if my company is new?

What is the minimum amount I can request?

Are there penalties for early cancellation?

What minimum requirements must my company meet?

Do you accept companies with incidents?

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