Dexter Finance

Ticket · 1.000.000€ — 150.000.000€

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Product · Mortgage-backed

Bridge loans

From €1,000,000 — Up to €150,000,000

Mortgage-backed lending with first-rank collateral over real-estate assets.

  • No credit-registry footprint (CIRBE)
  • No upfront fees
  • No tying obligations
  • First-rank mortgage
  • Financing up to 36 months
  • Up to 50% of appraised value
  • Residential, commercial, hospitality, industrial and logistics
  • Monthly interest payments or at maturity

Talk to the team.

A confidential request. We respond with judgement.

§ 01

How it works

A bridge loan is short-term financing with a first-rank mortgage, designed to cover the gap between two financial events — a purchase, a sale, a refinancing or the entry of an investor. It allows the deal to close without waiting for bank timelines, with an initial response within 24–48 hours.

Paso a paso · 04 tiempos

  1. First contact and description of the operation. Basic information on the asset and the purpose of the capital.

  2. Feasibility response within 24–48 hours. If the deal fits, term sheet with the proposed structure.

  3. Due diligence in parallel: independent appraisal, legal review of the asset, verification of the exit plan.

  4. Notarial closing, registry inscription and drawdown. The signature is the last step, not the first.

§ 02

When it fits

A bridge loan is the right tool when there is a clear exit event — sale, refinancing or incoming funds — within a 6 to 36-month horizon, and bank timelines are not compatible with the transaction.

  • Purchase before sale

    Close the acquisition of an asset when the sale of the current one has not yet materialised.

  • Project ramp-up

    Finance land and early construction phases before the definitive developer loan is in place.

  • Operation unlock

    Punctual liquidity to close an urgent purchase, cover formalisation costs or secure collateral.

  • Ongoing refinancing

    Bridge between the cancellation of existing debt and the entry of definitive bank financing.

  • Corporate liquidity need

    Corporate treasury tensions covered by a mortgage over the group's real-estate assets.

  • Investment opportunity

    Capital available to close a real-estate transaction before the opportunity leaves the market.

§ 03

Bank bridging mortgage vs. private-capital bridge loan

The contrast between traditional bank financing and private capital is a question of speed, requirements, structure and treatment.

  1. Aspecto

    Speed

    Bank bridging mortgage

    Slow process (2–3 months min.) due to bureaucracy and exhaustive committee analysis.

    Bridge loan · Dexter

    Very fast process (days), built for urgent operations with a clear exit plan.

  2. Aspecto

    Requirements

    Bank bridging mortgage

    Very strict: solid financial profile, no credit-blacklist record, complete applicant documentation.

    Bridge loan · Dexter

    Flexible: focus on the real-estate collateral and the exit plan, not on the applicant profile.

  3. Aspecto

    Conditions

    Bank bridging mortgage

    Standard catalogue structure, little adaptability.

    Bridge loan · Dexter

    Highly customisable: term, grace period, amortisation and collateral tailored to the deal.

  4. Aspecto

    Flexibility

    Bank bridging mortgage

    Standardised conditions, limited case-by-case negotiation.

    Bridge loan · Dexter

    High flexibility in term, grace and conditions — adapted to the nature of the operation.

  5. Aspecto

    Purpose

    Bank bridging mortgage

    Mainly purchase/sale of primary residence by individuals.

    Bridge loan · Dexter

    Broad uses: real-estate projects, construction, corporate liquidity, refinancings, M&A.

  6. Aspecto

    Regulation

    Bank bridging mortgage

    Subject to the Real-Estate Credit Contracts Act and Bank of Spain supervision.

    Bridge loan · Dexter

    Based on civil-law freedom of contract — operations with exhaustive legal coverage.

  7. Aspecto

    Credit-registry footprint

    Bank bridging mortgage

    The operation is registered in CIRBE, reducing the applicant's subsequent borrowing capacity.

    Bridge loan · Dexter

    No CIRBE footprint: the operation does not appear in the Bank of Spain's risk registry.

§ 04

Frequently asked questions

  • What collateral do I need for a bridge loan?

    A first-rank mortgage over a real-estate asset. It does not need to be the asset that is the subject of the operation: it can be any property free of charges — owned or held by a third-party guarantor — or an asset with a refinanceable lien. LTV is set case by case on the value of the independent appraisal.

  • How long does a response take?

    Initial feasibility response with judgement within 24–48 hours of first contact. The full closing — depending on appraisal, legal review and notarial availability — is typically a matter of weeks, not months.

  • How is a bridge loan different from a bridging mortgage?

    A bridging mortgage is designed for changing homes — it ties two of the same individual's properties to a single operation and converts to a traditional mortgage once the prior home is sold. A bridge loan is broader: it covers any punctual liquidity need backed by a first-rank mortgage, including corporate purchases, project ramp-ups, refinancings or M&A entries.

  • When is it formalised before a notary?

    Every loan with mortgage collateral must be elevated to public deed and inscribed in the Land Registry. Notarial formalisation is the last step of the closing, once due diligence — appraisal, registry report and legal review — is complete.

  • Do you finance individuals or only companies?

    We finance both. The criterion is the quality of the asset and the exit plan, not the nature of the applicant. Every case is studied independently.

  • What if I need to extend the term of the loan?

    The structures admit pre-agreed extensions — flexibility is one of the product's defining traits. Each extension request is evaluated against the project's progress and the updated exit plan. No prepayment penalty at any point in the life of the loan.

Leer en profundidad
§ 01

What is a bridge loan, in depth

A bridge loan, as a concept, is the "older sibling" of the bridging mortgage because it covers many more scenarios. It is not limited to real estate — it provides immediate liquidity to anyone who needs to anticipate a payment before the funds of a future operation arrive. Both individuals and companies may need it, which speaks to the flexibility of the solution versus more classical options. Its speed and short repayment horizon have made it common in demanding circumstances such as renovations, urgent purchases or payments to key suppliers.

  • Temporary

    Perfect when capital is needed for a few months or up to a couple of years — the goal is to bridge a transition, not to finance a long-term project.

  • Purpose

    Serves as a cushion in punctual moments of limited liquidity, not as long-term project finance. The loan is cancelled once the expected funds arrive.

  • Immediate availability

    Fast access to liquidity to close urgent operations, secure the purchase of an asset or finance an investment before the sale or refinancing materialises.

  • Flexibility

    Grace periods and tailored agreements adapt the schedule to each client's context. Bullet loans with payment at maturity, grace during construction phases and hybrid structures.

§ 02

Grace period, payments and amortisation

After formalisation of the bridge loan, the so-called grace period begins, during which the company pays only the interest on the credit. This frees liquidity and avoids having to face two complete financial obligations simultaneously or immobilising further capital during the transition phase.

This stage acts as an "oxygen balloon" that facilitates the sale of the asset, the entry of definitive financing or the closing of the planned investment, allowing the company to focus its resources on operations. In practical terms, it softens the initial financial impact and makes the wait for future flows much less burdensome on corporate treasury.

§ 03

Dexter's approach

At Dexter Global Finance we offer alternative financing for companies, investors, developers and individuals. Thanks to the flexibility of the bridge loan, we are a genuine alternative to bank rigidity. The distinctive trait is to give value to the applicant's mortgage collateral and to accelerate a process that is traditionally slow.

With over twenty years in the sector, the team has become a strategic ally for those who need bespoke solutions — multiplying successful operations and helping close projects where traditional banking puts up barriers. Our responsiveness and the adaptability of the structure have been decisive in hundreds of operations at critical moments.

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