Home · Insights

INSIGHTS

Financing Publications

How international financing actually gets done: Lombard, bridge, developer and refinancing cases, explained.

AllAsset TypesBridge FinanceCorporate FinanceCross-BorderDevelopment FinanceEquity & CapitalFinancingLombard LendingMortgage FinancePublic FundingRefinancingThe Process

The Asset Is in Insolvency and the Clock Is Running

DEVELOPMENT FINANCE

I Bought Off-Plan and the Developer Is Not Finishing

I Want to Buy in Spain but My Money Sits Outside the EU

A Gulf Borrower, a European Asset

The Asian Investor Buying in Europe: What Slows the File

What Public Funding a ZEC Company Can Apply For

Financing a Dutch Asset from Abroad

Public Finance for the Primary Sector

Combining Public Support with Bank Debt Without Losing the Grant

CDTI: Public Credit for Innovation

How a Guarantee Changes the Bank’s Answer

ENISA: What It Actually Funds, and Who Gets It

Everyone Tells Me to Wait. I Am in a Hurry.

I Have Been Offered Expensive Private Money

I Have a Financing Offer and I Do Not Know If It Is Good

DEVELOPMENT FINANCE

Nobody Wants to Finance Land

CORPORATE FINANCE

My Group Has Assets in Three Countries and No Bank Sees Them Together

They Approved Less Than I Need

The Valuation Came in Below the Purchase Price

DEVELOPMENT FINANCE

Starting Without Pre-Sales

Four Banks Are Interested. None of Them Commits.

The Tenant Is Solid but the Bank Does Not Value the Lease

The Structure Works on Paper. No Lender Will Touch It.

I Have the Asset, but No Credit History in Spain

A Distressed Asset and a Seller in a Hurry

Hotels: Financing an Asset with an Operation Inside

Residential in Bulk or Unit by Unit

Latin American Capital, Spanish Assets

Logistics: What the Bank Reads in a Long Lease

Five Reasons a Financing Falls Apart at the Last Moment

Financing a Spanish Asset from a Dutch Structure

The Real Timeline of a Financing, Phase by Phase

What Delays a File, and How to Avoid It

Credit Criteria and Solvency Are Not the Same Thing

Choosing the Lender Before Showing Anyone Anything

Why a Bank Declines a Good Transaction

I Have to Refinance in Six Months and Rates Have Risen

The Notary Stopped the Signing Over a Badly Apostilled Power

They Want a Personal Guarantee I Do Not Want to Give

The Sale Is Signed, but the Money Arrives After the Purchase

DEVELOPMENT FINANCE

The Project Got More Expensive and the Cushion Is Gone

LOMBARD LENDING

I Do Not Want to Sell My Portfolio to Buy This Property

My Company Is Foreign and the Bank Cannot See Who Is in Charge

Land: Why It Is the Hardest Asset to Finance

The Credit File, Lender by Lender

Sources and Uses: The Document That Decides the Conversation

CORPORATE FINANCE

Working Capital: Tool or Patch

CORPORATE FINANCE

A Mortgage-Backed Loan Is Not a Classic Mortgage

CORPORATE FINANCE

Corporate Finance for a Group with Assets in Several Countries

CORPORATE FINANCE

Intragroup Loans and What Lenders Make of Them

EQUITY & CAPITAL

Mezzanine: The Layer Almost Nobody Explains Properly

EQUITY & CAPITAL

What a Capital Partner Looks For in a Real Estate Deal

EQUITY & CAPITAL

Co-Investment: How Control and Return Are Shared

Taking Capital Out of One Asset to Buy the Next

EQUITY & CAPITAL

Equity or Debt: What You Give Up with Each

Refinancing a Stabilised, Let Asset

When Refinancing Improves the Position and When It Only Delays the Problem

The Real Cost of a Bridge, Against the Cost of Losing the Asset

Equity Release on an Investment Asset: How It Works

How a Bridge Ends Well: The Exit Is Designed Before Signing

Bridge Finance: When It Saves a Transaction and When It Sinks One

A Bridge Against a Signed Sale: What the Lender Verifies

DEVELOPMENT FINANCE

Developing in the Netherlands and Developing in Spain

DEVELOPMENT FINANCE

Buying a Half-Built Asset and Finishing It

DEVELOPMENT FINANCE

Cost Overruns: Who Covers Them

DEVELOPMENT FINANCE

Exiting a Development: Unit Sales or Refinancing

DEVELOPMENT FINANCE

Drawdowns Against Certified Works: How It Operates

DEVELOPMENT FINANCE

Equity and Contingency: What the Bank Requires Before It Enters

MORTGAGE FINANCE

Second Home or Investment: Why the Bank Treats Them Differently

DEVELOPMENT FINANCE

Land Finance and Construction Finance: Why Lenders Split Them

MORTGAGE FINANCE

Powers, Apostilles and Sworn Translations: Where Files Stall

MORTGAGE FINANCE

A Spanish Mortgage with Income Earned Abroad

MORTGAGE FINANCE

The Ownership Chain: What the Bank Verifies Before It Looks at the Asset

MORTGAGE FINANCE

The LTV a Non-Resident Actually Gets

MORTGAGE FINANCE

Share Pledge or Property Mortgage: How Lenders Take Security

LOMBARD LENDING

Combining Lombard and Mortgage to Spread the Debt

MORTGAGE FINANCE

A Spanish Mortgage with a Foreign Company Behind It

LOMBARD LENDING

A Portfolio in Luxembourg, a Purchase in Spain

LOMBARD LENDING

Completing a Purchase Without Breaking Your Investment Strategy

LOMBARD LENDING

The Margin Call: What Happens When the Portfolio Falls

LOMBARD LENDING

Lombard or Sell: The Real Arithmetic

LOMBARD LENDING

The Advance Rate: Why the Bank Lends 60, Not 70

LOMBARD LENDING

What a Bank Accepts as Collateral, and What It Declines

A Paid-Off Asset Is Not Working for You

LOMBARD LENDING

Liquidity Without Selling Your Portfolio

Every Lender Asks for Different Documents. That Is the Problem.

I Need to Close in Three Weeks. The Bank Wants Two Months.

Is This Financeable? Ask Before You Spend on Due Diligence.

The Bank Said No. That Is Rarely the End of It.

MONTCLARE WHITEPAPERS

The complete collection

Six long-form guides on how each instrument is structured, underwritten and documented. Download any as a PDF.

Lombard Lending: Liquidity Without Selling the Portfolio

The Build: How Development and Construction Finance Is Actually Structured

The Bridge: Closing Before the Funds Arrive

Releasing Capital from an Unencumbered Asset

The Credit File: Built Before It Is Asked For

Public Funding in Spain and Europe: The Other Route

A publication answers the question. A review answers your case.

Tell us the asset, the amount and what the money is for. We return a written, indicative view before you approach any lender.

Request a Financing Review

Montclare Capital Financing is not a bank and does not take deposits. In selected transactions we lend from our own funds to companies and investment vehicles, never to consumers; in all other cases financing decisions are made by authorised third-party providers.