What is private-capital financing?

A private-capital loan is the most common formula within alternative financing: a loan granted by non-bank capital — debt funds, private-equity vehicles, specialised entities and institutional investors. At Dexter Global Finance we act as structurers of these operations — more than 90% of the capital we mobilise is of institutional origin, originated through a network of more than 90 national and international entities. The client does not have to find an investor: they present the operation, and our team analyses it, structures it, negotiates it and accompanies it through to signing before a notary.

The requirements depart from bank requirements on one essential point: the analysis centres on the asset, the collateral and the exit plan, not on the applicant's scoring. No impeccable banking history is required, the operation is not registered in CIRBE — which preserves borrowing capacity with other lenders — and there are no upfront fees or tying obligations at any stage of the study.

Companies, developers, investors and individuals can all apply: the admission criterion is not the nature of the applicant, but the quality of the asset, the rank of the collateral and the credibility of the exit plan. Every file is analysed individually and with absolute confidentiality from first contact.

Response timelines are the most tangible difference versus the banking circuit. After first contact, the team issues a feasibility response with judgement within 24–48 hours; if the operation fits, a term sheet with the proposed structure follows. Due diligence — independent appraisal, legal review of the asset and verification of the exit plan — advances in parallel, and the closing is elevated to public deed before a notary with inscription in the Land Registry. In operations with clean mortgage collateral, the full process is typically resolved in weeks, not months.

The conditions match that speed without hidden charges: no prepayment penalty — the loan can be settled at any time at no additional cost — and structures that banks do not contemplate, such as bullet loans with capital repaid at maturity or grace periods adapted to the phase of the project. For the full mechanics of a bridge operation, see our bridge loans page; for development and land financing, our developer loans and land loans pages. In practice, these are the terms we work with:

Private capital for companies has ceased to be an exceptional resource and become an ordinary financial-management tool in Spain. Industrial, asset-holding, hotel and services companies use it to cover what banks cannot attend to in time or in structure: immediate liquidity against group assets, debt restructuring and consolidation, purchase of strategic assets or capital for expansion. The criterion is not the nature of the applicant — we finance companies and individuals alike — but the quality of the asset and the fit of the operation.

Dexter has been structuring this type of operation for more than twenty years, with more than 1,200 operations managed. The firm has its head office in Marbella and a deep operational link with Málaga and the Costa del Sol — one of the most dynamic real-estate and business markets in the country, where developers and international investors work to timelines that traditional banking can rarely accompany. That local base coexists with active origination in Madrid, Barcelona, Valencia and the rest of Spain, and with an international commercial network across Europe and Latin America.

For the business owner, the path is always the same: confidential presentation of the operation, a feasibility response within 24–48 hours and a structure tailored to the asset, the term and the purpose of the capital. A representative selection of closed operations — from residential developments on the Costa del Sol to corporate capital in Madrid — can be consulted on our completed-operations page.