Financing Solutions
We offer financing solutions to companies in Spain, in collaboration with our partner Peñalara Financial Strategies and its Peñalara Finance products.
We help you grow with various financing solutions tailored to your business.
We adapt our solutions to the needs of our business clients with innovative alternatives and structures.
Check out our alternatives and apply for financing now.
OUR SOLUTIONS
SHORT TERM
FACTORING
Invoice Discounting
Competitive interest rate
With and without recourse
Without CIRBE consumption
Terms between 30 and 180 days
* Minimum turnover €2M
* Minimum amount €3,000
* No payment incidents in AEAT and SS
* Equity / Balance Sheet > 15%
* EBITDA / Final Expenses > 2
CONFIRMING
Payment to Suppliers
No CIRBE consumption, no supplier, no payer
100% automated
Flexible deadlines
* Minimum amount €3,000 per invoice or lot
* Minimum turnover 2 MM€
* No payment incidents in AEAT and SS
* Net worth / Balance sheet > 15%
* EBITDA / Financial expenses > 2
* Minimum turnover 15 M€
* No payment incidents
* Minimum age 5 years
* Audited accounts
* EBITDA / Final Expenses > 3
PROMISSORY NOTES
Promissory note discount line
Without CIRBE consumption
Without collateral
Up to 12 months renewable
From 250k to 7.5M€
* Minimum turnover €5M
* EBITDA > €500,000
* Assets > €5M
LOAN LINE
Immediate liquidity
Without CIRBE consumption
Up to 12 months renewable
From 200k to 2M€
Margin from 0.15% monthly
Analysis 48 hours
Request your line
LONG TERM
LOAN > 50,000
FROM €50,000
From Euribor + 1.5%
Up to 7 years
No additional products
Without CIRBE consumption
* Minimum amount €3,000 per invoice or lot
* Minimum turnover 2 MM€
* No payment incidents in AEAT and SS
* Net worth / Balance sheet > 15%
* EBITDA / Financial expenses > 2
* No payment incidents
* No losses last 2 years
* No minimum seniority
* Subject to obtaining SGR endorsement
LOAN > 1 M€
UP TO 6 YEARS
From €1M to €7.5M
No collateral required
Amortization up to 6 years
* Minimum turnover €2M
* Less than 500 workers
* EBITDA > €500,000
* Assets > €5M
MORTGAGE
UP TO 7 YEARS
From 0.5 to 5 M€
40% - 70% loan to value
Flexible, tailored amortization
2 years grace period
Balloon up to 50%
* Minimum turnover €3M
* Neither insolvency nor bankruptcy
* EBITDA > €300,000
* Assets > €1M
(*) This is a contact request, which will require additional information from our partners. This is not an offer of specific terms for any type of financing, as you will need to pass the KYC and credit qualification criteria established by our partners to obtain a firm offer from them.
