Bridging — Business Liquidity
Short-term bridging facilities secured against Spanish residential or commercial property to fund working capital, tax settlements, opportunistic acquisitions and business cashflow requirements.
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Last updated Reviewed by our Clifton International finance team.
In short
You can raise business liquidity by securing a short-term bridging loan against Spanish property you already own, typically up to 65% of open-market value at 0.7–0.9% per month. Funds are usually drawn in two to six weeks and repaid from a sale, refinance or scheduled corporate cash flow.
At a glance
Figures reviewed:
Indicative figures for guidance only, correct as at July 2026. Rates, costs and timelines vary by lender, borrower profile, asset and jurisdiction, and are not an offer of finance. How we derive these figures.
Last reviewed . Read the full Key facts methodology, or speak to our team for a quote based on your circumstances.
At a glance
Secured bridging against Spanish property releases materially more capital at a lower cost than unsecured business borrowing, at the price of a legal charge and a defined exit.
| Feature | Secured Spanish bridging | Unsecured / business facility |
|---|---|---|
| Typical amount | €250k – €25m | Usually under €250k |
| Pricing | 0.7% – 0.9% per month | Often 1.5%+ per month equivalent |
| Security | Charge over Spanish property | Personal or corporate guarantee |
| Speed | 2 – 6 weeks | Days, but far smaller |
| Interest treatment | Rolled, retained or serviced | Monthly servicing required |
| Underwriting focus | Asset value and exit | Trading performance and covenants |
| Term | 3 – 24 months | 12 – 60 months |
Swipe the table sideways to see all columns.
Where the asset is Spanish and the need is time-critical, a secured bridge is generally the cheaper route to size.
Popular Spain finance
Why clients choose us
Release equity from a Spanish asset to fund stock, supplier payments and short-term operational cashflow.
Cover time-critical tax liabilities without disrupting core operations or forced-selling assets.
Fund the acquisition of a business, competitor or asset that requires fast execution.
Support management buyouts and buy-ins secured against Spanish property held personally or corporately.
Access capital without selling the underlying Spanish property in a compressed timescale.
SL, SPV and international corporate borrowers welcomed, with input from Spanish counsel.
Borrower eligibility
Typical lending criteria
Indicative only. Actual terms depend on borrower profile, asset and lender criteria.
Case studies
Real deals arranged — with the scenario, the structure and the outcome. Every transaction is different; these illustrate how we think.
€3m · 60% LTV · 12-month bridge
Long-standing clients needed €3m quickly to complete significant development works on their London property. Existing mortgages on the London asset ruled out further UK borrowing, and they'd identified their Ibiza residence as the only remaining security. The lending pool for bridging against overseas property is very limited, and other brokers had been unable to place the case.
Through our specialist partners, two private lenders known to lend against Spanish residential assets were approached, indicative terms were obtained quickly and the case progressed with the preferred funder. The clients moved ownership of the Ibiza property into a limited company ahead of drawdown to make interest more tax-efficient, and we coordinated with their solicitor to complete on schedule.
Recent transactions
Published transactions from our own case study library — select any to read the full brief.
Javea · Bridge Finance
€300k bridge · 12-month term · interest retained
€300k 12-month bridge for UAE-based British buyers to secure a Javea holiday home at below market value — exited via a Spanish mortgage refinance within term.
Spain · Bridge Finance
£1.48m · ~70% LTV · funded in 6 working days
£1.48m regulated re-bridge against a UK home delivered in 6 working days after a chain collapse — Spanish villa purchase completed on time and existing bridge repaid in full.
Ibiza · Bridging
€3m · 60% LTV · 12-month bridge
€3m 12-month bridge secured against an Ibiza residence to fund development works on a London property — placed with a private lender when other brokers could not.
Frequently asked
Yes. Bridging can release capital from an owned Spanish asset — residential or commercial — for reinvestment into a trading business or portfolio.
No. A bridge can rank as a first charge behind an incumbent lender's redemption, or refinance the existing debt entirely.
Common uses include stock purchase, VAT and tax settlements, opportunistic acquisitions, MBOs, supplier payments and short-term cashflow cover.
Typically up to 65% of open-market value. Commercial assets are assessed on vacant-possession or income-producing value depending on the asset.
Refinance onto a longer-term facility, sale of the secured asset, or a defined liquidity event within the trading business.
Related bridging & development finance
Dedicated landing pages for each bridging use case and development stage — with typical structures, eligibility and example transactions.
Time-critical acquisitions, auction, off-market and chain-break completions.
View pageRefinance existing Spanish debt, cancel embargoes and restructure onto cleaner terms.
View pageFast cash advance against Spanish property with a defined exit route.
View pageShort-term facilities for professional investors executing on Spanish opportunities.
View pagePartial land funding on consented and pre-consented sites, rolling into senior debt on planning grant.
View pageSenior debt for new-build residential and mixed-use schemes with staged drawdowns.
View pageRefurbishment and repositioning finance for existing Spanish buildings.
View pageFinance for schemes already under construction — completion funding and stretched senior.
View pageRelated services
Purchase finance for primary residences, second homes and holiday properties across Spain.
Learn moreSenior debt and stretched-senior facilities for residential and mixed-use schemes.
Learn moreInvestment and owner-occupier funding for offices, hospitality, retail and logistics.
Learn moreImproved terms, capital raising and exit refinance for maturing Spanish facilities.
Learn moreShort-term funding for acquisitions, auctions, chain-breaks and development exits.
Learn moreReady to explore your options?
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