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Secure the Best Development or Bridge Financing Solutions with Our Expertise
A Professional Development & Bridge Financing Advisory, specializing in high-end residential real estate financing
Operating in Key Regions throughout Southern Spain, from Malaga to Sotogrande and Tarifa, as well as the Balearic Islands – Majorca, Ibiza, and Menorca
Your Unbiased & Personalized Finance Strategist, Independent of Lenders
Well-connected with a Vast Network of EU and UK Lenders & Investors
Get in touch with us Email: info@monec.com Phone: +34 951 23 98 00
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Development Finance

Facilitating best borrowing opportunities for small and medium residential developers, with funding up to 50% GDV or 70% of project costs.

In development finance advisory, we specialize in aiding small and medium developers with residential projects. Our expertise lies in our deep market knowledge and ability to match developers with the best lenders for their projects.

However, our role goes beyond just connecting you with a lender; we act as your financial advisor throughout the entire development period, helping to ensure the financial success of your project.

Typically, financing can reach up to 50% of the Gross Development Value (GDV) or 70% of the project costs, though this may vary based on the specific project and lender.

LOAN SIZE

Ranges from 500K to 10M or more

LOAN PERIOD

Typically 12-24 months

INTEREST PAYMENTS

Monthly payments are preferred, but alternative arrangements like payment in kind or full bullet payments can be negotiated in certain cases

COLLATERAL

Secured by a first mortgage on the property

REGULATORY COMPLIANCE

All necessary licenses must be current and in place

BORROWER

Should be a Spanish company, though non-Spanish beneficiaries are acceptable, Developer experience is a crucial factor for many loan providers
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Bridge Lending

Offering customized bridge financing solutions for high-end residential properties, including special situations, equity release, and refinancing, up to 50% of the property's value.

In bridge lending advisory, we specialize in crafting efficient financing solutions tailored for high-end residential projects, including luxury private villas and upscale apartments. However, our expertise extends to a wider range of projects, including apartment complexes, and development land.

Leveraging our deep market knowledge, we tailor our services to meet the specific financial needs of each client, ensuring the best lender match for their project.

Our expertise covers a range of financing scenarios, from equity release and refinancing to bridging transactions and funding for pre-sale renovations or urgent financial needs.

Financing is typically available for up to 50% of the property's value, though this may vary based on the specific project and lender. Our expertise is especially valuable in the high-end market, where customized financial solutions are essential.

LOAN SIZE

Ranges from 500K to 10M EUR or more

LOAN PERIOD

Usually between 6-24 months

INTEREST PAYMENTS

Monthly payments are preferred, but alternative arrangements like payment in kind or full bullet payments can be negotiated in certain cases

COLLATERAL

Secured with a first mortgage on the property

REGULATORY COMPLIANCE

All required licenses must be current and in place

BORROWER

Should be a Spanish company, though non-Spanish final beneficiaries are acceptable
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How we work

Guiding clients through financing complexities with tailored solutions, leveraged by our in-depth market knowledge and independence from lenders.

At Monec, our primary goal is securing the best financing solutions for our clients. Specializing in real estate financial advisory our focus is on guiding clients through the complexities of development and bridge financing.

We are not lenders ourselves; instead, we serve as your strategic partner. We assess various financing options to advise on the most beneficial solutions tailored to your project's unique needs.

Our in-depth market knowledge, combined with a dedication to your financial goals, ensures the best financing deals for your real estate ventures.

Professional Presentation

Ensuring your project makes the right first impression and stands out from competition by presenting it clearly and comprehensively, tailored to lender preferences.

The process begins with the preparation of professional documentation, which is essential in the competitive world of loan procurement. A well-crafted presentation of your project is key to ensuring it receives the serious consideration it deserves from loan providers.

The deal memo we create reflects the nuances in the preferences of different loan providers. By adapting your project to align with the unique criteria and expectations of each provider, we enhance its chances of capturing attention and being prioritized. This approach demonstrates our commitment to finding the most suitable financing options for your project.

Our expertise not only lies in detailing complex financial data but also in transforming it into clear, comprehensive information, making it accessible and understandable for all parties involved. This approach helps your project stand out from other financing requests and is designed to elicit quicker responses and effectively showcase your project in the way loan providers prefer.

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Expansive Network of Loan Providers

Leveraging an expansive network of loan providers and investors, we match your project with the best financial partners, ensuring optimal terms for your project.

We work with a wide range of loan providers and investors from Europe and the UK, including lending companies, hedge funds, family offices, and high net-worth individuals. Our strong connections and knowledge of these financiers help us present your project in the best way possible, ensuring you secure the best terms available in the current market.

We match your project with the right financiers based on their specific criteria and preferences. This approach speeds up the process and increases the chances of finding the most appropriate financial partners for you.

We're committed to getting you the financing you need, by navigating the complexities of the financial sector on your behalf. Our network gives you access to many financing options, helping you achieve competitive terms that may not be available elsewhere, thereby ensuring the optimal fit for your project's unique needs and goals.

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Unbiased and Independent

As an independent advisory firm, we offer unbiased, conflict-free advice, prioritizing your success by objectively recommending the most favorable financing options.

As an independent advisory firm, we do not provide loans ourselves. This position allows us to offer you unbiased advice, free from any conflict of interest. Our primary commitment is to your success, ensuring that the guidance we provide is solely in your best interest.

By not being tied to any specific loan providers, we can objectively evaluate and recommend the most favorable financing options for your project. Our independence is key to delivering honest, transparent, and effective financial solutions that align with your specific needs and goals.

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Get in touch with us

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Investors and Loan Providers

Seeking partners interested in high-quality real estate lending in Spain's prime destinations, supported by a trusted local partner.

We are actively seeking to form new partnerships with a diverse range of financial entities, including specialized lending companies, hedge funds, asset managers, family offices, and high net-worth individuals with an interest in real estate lending.

Acting as your bridge to a continuous stream of high-quality lending opportunities, we cover key regions throughout Southern Spain, from Malaga to Sotogrande and Tarifa, as well as the Balearic Islands – Majorca, Ibiza, and Menorca. Partnering with Monec opens the door to earning profitable returns from securely backed real estate loans, anchored by a conservative Loan to Value ratio not exceeding 50%..

Our profound knowledge of the local market and extensive network establish us as a reliable and effective partner. Skilled in detailed groundwork and due diligence, we provide valuable insights to aid our partners' decision-making. Our expertise in collateral valuation, combined with strong local relationships, will be a cornerstone of your success. Although occasional temporary defaults may occur, we have not experienced any final losses of either principal or interest.

We are dedicated to creating strong, mutually beneficial partnerships, assisting our partners in growing their lending portfolios in some of Spain's most sought-after locations.

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About Us

Leveraging banking expertise with connections across Southern Spain real estate and European/UK financial sectors, we deliver premier solutions for borrowers and investors.

Monec, led by managing partner Jaak Roosipuu, is built on a strong foundation in finance and banking. Jaak's career in financing began in 1992 with the co-founding of the Bank of Tallinn, which later became a part of the SEB Group. As head of the credit division, he built up the bank's lending business and had a key role in broadening its financing services throughout the region.

His career later evolved towards investment banking, leading to the establishment of Talinvest, a key player during Estonia's privatization era, and Suprema Securities, a significant entity in the Baltic regions’ corporate finance, brokerage, and asset management sectors. Suprema later became part of the Evli Group and the cornerstone of their Baltic operations.

Having resided in Marbella for the past 15 years, Jaak has developed an extensive network within the real estate sector. Combined with his extensive connections in the European and UK financial sectors, this network positions Monec as a valuable partner for clients in search of financing solutions and investors on the lookout for opportunities.

Our team is dedicated to providing our clients with the best financing solutions in the market and ensuring our investors gain access to a constant flow of profitable and secure investment opportunities.

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Connect with Jaak: Email: jaak.roosipuu@monec.com Phone: +34 951239800 ext. 4
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Connect with Jaak: Email: jaak.roosipuu@monec.com Phone: +34 951239800 Download vCard
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Connect with Jaak: Email: jaak.roosipuu@monec.com Phone: +34 951239800 Download vCard

Get in touch with us

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