We lend to Property Investors and SMEs for
acquisition, expansion and refinancing purposes.
Our property finance team is made up of highly experienced and focused lenders. We understand the challenges many customers can face in financing their property in today’s market.
- Term, Bridging & Pension Loans ranging from €200k to €10m
- Operate Nationwide
- Fast Turnaround Times
- Experienced lenders
Typical Property Types
We lend to Property Investors and SMEs
Property Bridging Loan – Galway Region
12 month Bridging loan
Deal value €6m
Property investment transaction. Funding the purchase of a shopping centre for 12 months, which allowed necessary capital expenditure and time to facilitate a long-term loan facility. The funding was put in place 12 days from issuing terms.
Regional/Urban Term Loan – Residential Property – Dublin Region
5-year loan based on a 20-year amortising schedule
Deal value €4.25m
Property investment transaction. Our client purchased 57 apartments and 7 retail units in Limerick City. €3m term loan provided by Capitalflow and equity provided by way of an unsecured loan. At acquisition, the property produced substantial rental income. LTV at drawdown was 67% based on a valuation of €4.5m.
Dublin Term Loan – Commercial property – South County Dublin
4 Year term loan with a capital moratorium.
Deal value €4.1m
Property Investment Transaction. Client contracted to purchase a commercial property from NAMA. Original contracted funder was unable to fulfil obligations. Property is a commercial development in South Dublin. We backed a very strong management team with a track record of successful investments. The balance funding was by unsecured subordinated loan. Deal was completed in 10 […]
Property term loan – pre 63 property dublin region
5 year, 25 year amoritisation
Deal value €2.5m
Property Investment Transation, funding a number of Pre 63 Dublin property investments including some upgrade works. Borrowing was via an SPV with no personal guarantees required. The client is actively seeking further opportunities.
Property Term Loan – Commercial Property Dublin Region
20 Year Term Loan
Deal value €4m
Loan amount €3m
A trading company which was in a position to buy back its property from an International fund. Capitalflow was delighted to offer a solution whereby we could fund the Trading company directly supported by the business’s underlying profitability. Loan was amortised over 20 years & aided by an Asset Finance line to enable equipment purchases.
Property Term Loan – Waterford Region
36 month Term Loan
Deal value €3.3m
This deal enabled a property investor to purchase a number of contracted properties within a short time frame. Capitalflow provided a bespoke funding solution in a time frame that no other lender could provide.
Frequently Asked Questions
We lend to Limited Companies and Special Purpose Vehicles (SPVs) and existing Trading Companies
We lend up to 75% of the purchase price or value of the property (based on a red book valuation).
The minimum loan amount we lend is €200,000
Commercial property purchased for letting purposes. This includes residential investments, Industrial, retail shops, offices, mixed use investments and the hospitality sector including hotels and pubs.
We look at each application on an individual basis. We apply a common sense approach to assessing an application. You can speak with one of our experienced Relationship Managers, who will advise you further.
Yes, we provide finance for refurbishment programmes.
Our rates vary, depending on the property type, the Loan-to-value (LTV) and the rental income from the property
The maximum loan term available is up to 7 years
Call us, contact us by webchat or drop us a line and we would be delighted to help you in every way we can!
Yes, it is a standard condition on all our loans, we require a Red book valuation addressed to Capitalflow, from one of our panel Valuers
Capitalflow relies on the following security items, First legal charge over the secured asset, a debenture over the assets of the Borrower, an assignment of the rents together with other security as a proposal merits