Obtaining liquidity with real estate collateral
Get immediate cash using a property as collateral. Ideal for individuals and businesses needing fast financing without changing banks.
Immediate liquidity
Get financing in days using a property as collateral, without endless processes or complex procedures.
Condiciones flexibles
Solutions tailored to the property's value and purpose: investment, emergencies, renovations, or business expansion.
Prestamistas especializados
Access a network of experts in financing with real guarantees, with agile processes and high approval rates.
Flexible, secure financing tailored to your liquidity needs
Obtaining liquidity without selling your property is possible.
Real estate-backed financing allows access to quick capital, even when banks offer no alternatives.
Ideal for:
✔ Individuals needing urgent cash
✔ Investment projects
✔ Debt cancellation
✔ Renovations and improvements
Financing solution
Capital structured according to the value of the property provided as collateral.
Growth and stability
Ideal for balancing your financial situation without resorting to selling the asset.
Red de prestamistas
Experts who value the property and offer financing with streamlined processes and flexible requirements.
Smart solutions for obtaining liquidity with real estate collateral
We work with individuals, freelancers, companies and asset managers in Spain and abroad.
Mortgage-backed loans
Obtain immediate liquidity using homes, premises, warehouses, land or buildings as collateral.
Financing to cancel debts
Solutions to consolidate payments, refinance debts and free up liquidity without selling assets.
Liquidity for companies and SMEs
Ideal for covering working capital, suppliers or urgent needs without depending on the bank.
Bridge loans with real estate guarantee
Temporary capital until a sale, appraisal, or other financing is completed.
Financing for renovations or improvements
Liquidity to increase the value of the property or to boost rehabilitation projects.
Obtaining liquidity for investment
Capital to take advantage of opportunities for purchase, revaluation or asset expansion.
Fast, secure, and designed for those who need immediate liquidity
Forget endless banking processes.
Our property-backed financing allows you to:
Get a proposal in 24–72 hours
Access capital even with bank rejection
Capitalize on the value of your property without selling it
Sign at a notary's office in weeks
Choose flexible terms tailored to your actual situation
Get cash without selling your property or changing banks
Miles de clientes obtienen liquidez cada año utilizando sus inmuebles como garantía.
Con Palma Finance, tu proceso es transparente, ágil y sin burocracia innecesaria.
Financing solution
Depending on the property value and your financial goal.
Immediate liquidity
Ideal for emergencies, investments, or debt cancellation.
Network of experts
Lenders with experience in financing with real estate collateral.
Frequently asked questions about obtaining liquidity with real estate collateral
We answer the most common questions about immediate liquidity using a property as collateral.
Homes, commercial premises, industrial buildings, plots of land, storage units, offices, garages, and even entire buildings can be used. The amount will depend on the appraised value.
Typically between 30% and 50% of the property value, although with private lenders higher percentages can be achieved depending on the transaction. Financing is provided in installments, which are released as construction progresses.
No. This financing is independent of your current bank. You can keep your accounts, mortgages, or other products unchanged. This system ensures that the financing keeps pace with the actual construction progress and avoids delays due to lack of liquidity.
Yes. The current mortgage balance and the remaining value of the property are assessed. It's common to refinance the debt and free up cash in the same transaction.
The initial study is obtained in 24–72 hours and the signing usually takes place within weeks, depending on the documentation and the valuation.
Yes. It's a valid solution for individuals, the self-employed, companies, asset managers, and entities that need quick capital.
