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Private Clients

We provide financial advisory and end-to-end management for individuals who need to structure, arrange, or improve financing linked to homebuilding projects, family assets, or inheritance-related processes. Our aim is to simplify procedures, optimize terms, and support you throughout each step with a clear, practical approach.

• Self-build (autopromotion) mortgage management for private clients
  We handle the full financing process for building your own home: feasibility review, document preparation, liaison with lenders, and follow-up through to signing. We align the financing timeline with the typical self-build milestones (land purchase, staged drawdowns tied to construction progress, and completion) so cash flow matches the real pace of the project.

• Inheritance processing and coordination
  We assist with the administrative and documentary management of inheritance procedures to ensure the process is structured and avoids delays. This includes compiling documentation, coordinating with relevant professionals when needed (notary, administrative services, land registry, etc.), and tracking progress until formal completion. The focus is on reducing time, preventing errors, and making decisions around inherited assets easier.

• Financing for taxes related to inheritances, property purchases, etc.
  We help plan and secure financing to cover taxes and transaction costs (for example, those arising from an inheritance or a property purchase), preventing unnecessary liquidity strain. We assess the most suitable structure based on your situation (terms, guarantees, affordability) so you can meet obligations without over-depleting cash reserves.

Companies

We support companies, investors, and developers in structuring and managing financing for real-estate operations and broader corporate needs. We work with a business mindset, prioritizing speed, strong documentation, and solutions aligned with the asset lifecycle and the company’s cash flow.

• Mortgages to secure advances against asset sales
  We structure and arrange financing to unlock liquidity in advance while an asset sale is being finalized. This enables you to move forward with new operations, cover working-capital needs, or reposition assets without waiting for market closing timelines.

• Corporate mortgage management: acquisitions, refinancing, etc.
  We arrange and manage mortgage financing for acquisitions, debt restructuring, refinancing, and optimization of existing terms. We analyze both the company profile and the asset to propose a sensible structure (tenor, grace periods, guarantees, covenants) and support the process through to completion.

• Development finance and credit facilities
  We manage credit solutions tailored to real-estate development, aligned with the project’s cost structure and execution rhythm. We also help strengthen project documentation to improve lender approval and reduce friction during underwriting.

• Financing for new developments: construction, land acquisition, and completion
  We provide end-to-end financing support for developments: land acquisition, developer loans for construction (drawdowns based on certified progress), and completion or stabilization financing. We coordinate the funding schedule with the technical timeline to avoid work stoppages due to liquidity gaps and ensure continuity of execution.

• Guarantees and bonds: deposits (arras), swaps (permutas), and judicial guarantees
  We arrange and manage bank guarantees for multiple purposes: supporting arras deposits, providing coverage in property swaps/exchanges (permutas), and issuing guarantees required in judicial contexts. We identify the most suitable instrument based on risk, term, and cost, and manage the documentation required for issuance.

• General financial advisory and coaching
  We offer strategic support to strengthen financial decision-making: cash-flow planning, risk assessment, debt structuring, document readiness, and preparation for negotiations with lenders. This is especially useful for companies navigating growth, investment cycles, or restructuring.

• Working-capital and operational financing
  We manage liquidity solutions for day-to-day operations, including leaseback, renting, bill of exchange/promissory note discounting, factoring, and other working-capital tools. We review true costs, balance-sheet impact, and suitability based on your collection/payment cycle to select the most efficient option.