Bridging — Cash Advance
Release liquidity from a Spanish asset that is being marketed for sale — funding new opportunities, personal requirements or portfolio moves while the sale is completed in an orderly manner at full market value.
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Last updated Reviewed by our Clifton International finance team.
In short
Yes. A cash advance is bridging finance secured on an unencumbered or lightly mortgaged Spanish property, typically up to 65% of value at 0.7–0.9% per month over 3–24 months. Money is released in two to six weeks against a clean title and a credible repayment route.
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
Remove the need to discount for a fast sale — market the asset properly and achieve its full value.
Release capital before the sale completes, without waiting on the transaction timeline.
Move on the next Spanish or international purchase without being held up by a live sale process.
Facility terms of 6–18 months give a comfortable runway for the sale to complete at value.
Serviced, retained or rolled — most cash-advance bridges roll interest so the facility is settled entirely on sale.
Lender introductions and negotiation without publicising the sale to the wider market.
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
A short-term facility that releases equity from a Spanish property you intend to sell, so you can access the proceeds now rather than waiting for a completed sale.
Cash-advance bridging removes the pressure to discount. It funds an orderly sale — allowing the asset to be marketed properly and achieve full market value.
Terms typically run 6–18 months, extendable by agreement. Lenders assess the marketing plan, price positioning and evidence of buyer demand.
No. Cash-advance structures apply across residential and commercial Spanish assets where there is a clear route to sale within the facility term.
Up to 65% of open-market value. Higher effective advances are possible where additional Spanish or international collateral is available.
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 pageRelease equity from Spanish real estate to fund operating capital or growth.
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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