Bridge Loan – Marbella, Málaga
€2.8m | c. 55% LTV | 9 months
Short-term financing secured against prime residential collateral to fund a time-sensitive acquisition pending release of the borrower's own capital.
We advise small and mid-sized developers on their residential schemes, and we know this market in depth. Our value lies in matching the right project with the right funder, on terms that genuinely work for both sides.
But our role does not end at the introduction. We stay alongside you as your financial advisor for the full development period, working throughout to help guide the project towards a sound financial result.
Funding typically reaches up to 50% of Gross Development Value (GDV), or up to 70% of project costs, though the exact figure depends on the specifics of the project and the particular funder involved.
We design efficient, carefully structured bridge financing for residential property, from luxury private villas and prime apartments to well-located homes in the broader market. Our expertise also extends to apartment complexes and development land.
We know this market closely, and we shape each mandate around what the client genuinely needs, before going to our funding network to find the right fit for the project in question.
We handle a wide range of bridge financing situations, including equity release, refinancing, and funding for pre-sale renovation works, as well as for urgent, time-sensitive liquidity needs.
Financing is usually available up to 50% of the property's market value, though this varies by the specific project and funder. The prime market is where our work proves most valuable, because every solution there has to be carefully tailored.
At Monec, our primary purpose is to secure the best financing for our clients. We specialise in real estate financial advisory, guiding clients through the complexities of both development and bridge lending.
We are not lenders ourselves. Instead, we act as your strategic partner: we assess the available options carefully and advise on the solution that genuinely works best for your project's particular needs.
Deep market knowledge, paired with established and often exclusive relationships with our funding sources, is what allows us to secure the right financing for your real estate ventures.
The process begins with the preparation of professional documentation, which carries real weight 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 prospective loan providers.
The financing note we prepare reflects the nuances in how different lenders think and what they look for. By shaping your project to align with the specific criteria and expectations of a given provider, we improve its odds of standing out and winning the financing it needs. It is how we demonstrate our commitment to finding you the most suitable financing for the project.
Our strength lies not only in handling complex financial detail but in transforming it into clear, comprehensive information that every party involved can readily follow and understand. This is what sets your project apart from other financing requests, helps draw quicker responses, and presents the project in the way loan providers prefer to receive it.
We work with a wide range of loan providers and investors across 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 possible light and secure the most favourable terms available in today's market.
We match each project to the right financiers according to their own specific criteria and preferences. This approach makes the process considerably faster and improves the odds of finding the right financial partners that genuinely fit your project.
We are committed to getting you the financing you need, taking on the complexity of the financial sector on your behalf. Our network gives you access to a wide range of options you may not reach elsewhere, and helps you achieve competitive terms that suit the specific needs and goals of your project.
As an independent advisory firm, we do not provide loans ourselves. This position allows us to keep our advice entirely free of any conflict of interest: our primary commitment is to your success, ensuring the guidance we provide serves your best interests alone.
Because we are tied to no particular loan provider, we can objectively weigh and recommend the most favourable financing for your project. Our independence is exactly what lets us deliver honest, transparent and effective financial solutions, matched precisely to your own specific needs and goals.
We are actively seeking to form new partnerships with a diverse range of financial entities, including specialist lending companies, hedge funds, asset managers, family offices and high-net-worth individuals with a genuine and active interest in real estate lending.
Acting as your bridge to a continuous stream of high-quality lending opportunities, we operate across Spain, with a focus on the coastal and island regions from Marbella and Malaga to Cadiz, up the coast to Alicante and Valencia, and Mallorca and Ibiza. A partnership with Monec means a steady flow of vetted opportunities and profitable returns from securely backed real estate loans, anchored by a conservative loan-to-value ratio that does not exceed 50%.
Deep knowledge of the local market and a wide network make us a reliable and effective partner. We do the detailed groundwork and due diligence, and we share the insight that helps our partners make sound decisions. Our expertise in collateral valuation, combined with strong local relationships, becomes a cornerstone of your success. While temporary defaults can occasionally occur, we have never experienced a final loss of either principal or interest.
We are committed to building strong partnerships that work in both directions, helping our partners grow their lending portfolios in some of Spain's most sought-after locations.
Monec, led by managing partner Jaak Roosipuu, is built on a deep foundation in finance and banking. Jaak's career in financing began in 1992, when he co-founded the Bank of Tallinn, which later became part of the SEB Group. As head of the credit division, he developed the bank's lending business and played a key role in broadening its financing services right across the wider region.
His career then evolved towards investment banking, leading to the founding of Talinvest, a leading name during Estonia's privatisation era, and Suprema Securities, a significant force in Baltic corporate finance, brokerage and asset management. Suprema later became part of the Evli Group and the cornerstone of its Baltic operations.
Having lived in Marbella for the past fifteen years, Jaak has developed an extensive network within the real estate sector. Combined with his extensive connections throughout the European and UK financial sectors, this network positions Monec as a genuine partner for clients in search of financing and investors on the lookout for opportunities.
Our team is dedicated to providing our clients with the very best financing solutions the market has to offer, and to ensuring our investors gain access to a constant, reliable flow of profitable and secure investment opportunities.
