A significant share of the demand for a bridge loan in Spain originates abroad: non-resident individuals acquiring residential assets on the Costa del Sol, foreign companies and investment vehicles taking positions in Spanish real estate, and international groups that need liquidity secured against property they already own in Spain. For this profile, traditional banking is at its slowest. A non-resident file passes through additional compliance layers, income generated abroad is difficult for a branch to score, and every decision escalates to a committee with no sense of urgency. A purchase with a fixed completion date rarely survives that calendar — and the foreign buyer, who often cannot be physically present for each step, carries the whole process at a distance.
A bridging loan for non-residents in Spain follows exactly the same logic as any Dexter operation: the analysis rests on the Spanish real-estate collateral and on the exit plan, not on the applicant's country of residence or the geography of their income. First-rank mortgage, up to 50% of the independently appraised value, terms of up to 36 months and an initial feasibility response within 24–48 hours — whether the borrower is a Spanish company, a non-resident individual or a foreign vehicle.
We finance both structures. Non-resident individuals can borrow personally against the asset they are acquiring or already hold; foreign companies and special-purpose vehicles (SPVs) can borrow against the Spanish property on their balance sheet. The choice of vehicle is settled case by case with the client's legal and tax advisors — the loan adapts to the structure, not the other way round.
Operating from Marbella, at the centre of the Costa del Sol — one of the most dynamic real-estate markets in Europe — Dexter Global Finance attends clients in five languages (Spanish, English, French, Swedish and Russian) and works through a network of more than 60 delegates across Spain, Europe and Latin America. Non-resident formalities, starting with the NIE, are coordinated with legal counsel in parallel with the same due diligence applied to every operation: independent appraisal, registry verification and notarial closing. Bridge financing on the Costa del Sol is our home fixture, not an exotic request.
