Private Financing for Individuals and Companies
Access private financing in Spain. Property-backed loans from €50,000. Free, no-obligation assessment.
Private financing is the fastest and most flexible route to capital when traditional banking is too slow or does not fit your operation. At GrupInversor we support companies, individuals and real-estate developers with tailored solutions, approval in days and direct access to specialised private investors.
Request your private financingWhat is private financing?
Flexible, fast capital that complements traditional banking when timelines, collateral or profile don't fit.
Private financing covers the full range of credit solutions granted by private investors or companies, outside of traditional banking channels. It relies on the value of the asset or the strength of the project rather than a standardised risk profile, which makes it possible to fund deals a bank would either reject or be unable to close on time.
Compared to traditional banking, a private lender offers three key advantages: speed, flexibility in collateral and deal structure, and access for profiles outside the standard bank box (self-employed with irregular income, high-growth companies, atypical properties, bridge deals).
Approval in 2–7 days
We close your deal in less than half the time of a bank, with a binding proposal within 72 hours.
From €50,000 up to €10M
We finance everything from short-term liquidity to corporate and real-estate development operations.
Deal structure tailored to the project
Term, collateral and amortisation schedule adapted to the asset and the intended use of capital.
It is not a marginal alternative: over the last few years private capital has established itself as the natural complement to banking for funding business and real-estate projects in Spain.
Financing for every profile
Solutions tailored to the specific needs of companies, individuals and real-estate developers.
Private financing for companies
We cover capital needs when banks demand timelines, collateral or ratios that don't fit the operational reality of the business. We work with SMEs, holding companies and corporate groups to close deals in days, not months.
TYPES OF OPERATION
- Working capital and short-term liquidity for cash-flow gaps.
- Acquisition of assets, machinery or equity stakes.
- Expansion, internationalisation and entry into new markets.
- Refinancing and restructuring of existing debt.
- Bridge operations in M&A processes or leveraged buyouts.
TYPICAL TERMS
- Amount: from €50,000 up to €10M.
- Term: between 6 months and 15 years, adapted to the project's cash flow.
- Collateral: real-estate, pledge or personal, assessed case by case.
- Closing: public deed within 5–15 days of approval.
Private financing for individuals
For individuals, private financing is the answer when the bank says no because of age, type of contract, irregular income or simply lack of time. We review every case on its own merits and approve in days.
WITH MORTGAGE GUARANTEE
- Mortgage-backed loan on an unencumbered (or manageable-debt) property.
- Debt consolidation and urgent liquidity backed by the property.
- Financing a property purchase when the offer is expiring in days.
TYPICAL TERMS
- Approval in 2–7 days from application.
- Individual assessment, no automated scoring.
- Access for profiles outside the standard bank box.
Private financing for real-estate developers
Private financing is the standard lever for real-estate developers to cover the phases banks won't fund: land acquisition, urban-planning work, starting construction before reaching the pre-sales threshold, or a fast exit on an operation. We finance both new developments and full renovations, with fast approval and a structure that fits the project timeline.
TYPES OF OPERATION
- Land acquisition and urban-planning work.
- Start of construction before reaching the pre-sales threshold.
- Full renovation and asset repositioning.
- Bridge exit on completed or in-marketing developments.
TYPICAL TERMS
- Up to 75% of the project's total cost.
- Drawdowns linked to construction certifications.
- Structure adapted to the project timeline.
Private financing vs. traditional banking
Private financing and traditional banking don't compete — they complement each other. This table summarises when each option makes sense.
| Criterion | Private financing | Traditional banking |
|---|---|---|
| Speed | 5–15 days | 60–90 days |
| Flexibility | Deal structure tailored to the operation | Standardised product |
| Requirements | Focus on asset and project | Scoring, ratios and standard profile |
| Cost | Higher, tied to risk and term | Lower for standard operations |
| Ideal cases | Urgency, atypical profile, bridge, development | Standard mortgages and long-term lending |
If your operation fits the banking channel, check our financing services to see every available alternative.
How private financing works
From application to disbursement in under 15 days vs. the 60–90 days typical in banking.
Application
Send us the basic details of the applicant and the operation.
Review
We assess the asset, the collateral and the feasibility within 24–72h.
Proposal
You receive a binding offer covering amount, term, cost and conditions.
Signature
Public deed at the notary, with valuation and land-registry checks completed.
Disbursement
Capital transferred to the applicant within 24h of signature.
Private mortgage and private capital
A private mortgage is the most common way to channel private capital into a specific operation: a private investor or fund grants a mortgage-backed loan on a property without going through the banking filter. It is the structure that makes it possible to, for example, settle urgent debts, unlock liquidity against a free-standing property, or fund a purchase when the offer is expiring in days.
We talk about private mortgages in the plural because each operation is designed separately: loan-to-value, term, amortisation schedule and fees are set based on the asset, the intended use of capital and the applicant's profile. This level of customisation is precisely what banks cannot offer.
At GrupInversor we work directly with private investors and family offices whose private capital is dedicated to mortgages, which means we can respond with a firm proposal within days and close the public deed in under two weeks.
Request your private financing
Tell us about your operation and we will get back to you with a concrete proposal in under 24 hours.
Request Information
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Success Stories in Private Financing for Individuals and Companies
Discover how we have helped companies secure the right financing to achieve their goals.
