We are the leaders in private capital operations.
Private capital is a source of financing typically provided by specialized professional firms that offer short-term funding in the form of private loans or credit facilities.
The defining feature of this type of financing is that the operation is always backed by real estate collateral. This requirement is essential, as private capital transactions involve higher risk than traditional bank loans.
Private capital is generally used as an alternative to traditional banking. When access to bank credit is denied, it becomes the most effective financing solution. In fact, it is the most widely used form of alternative funding.
In addition to providing financial resources, these professional firms also offer guidance on specific challenges, such as: Addressing liquidity shortfalls in companies, financing for real estate developers, resolving tax issues, stopping auctions or cancelling foreclosures and facilitating investments or inheritance settlements.
It is also mandatory that companies offering private capital financing be certified and regulated by the Bank of Spain.
More in-depth information on private capital is available in our blog article.
Private capital offers numerous benefits that clearly set it apart from any other type of financing available in the market.
It is the fastest way to obtain funding in today’s financial landscape.
It is the most common and widely used alternative source of financing when banks deny credit or exhaust all options.
When a company appears on credit default lists such as RAI or ASNEF, banks block all financing options. In such cases, private capital often remains the only viable solution.
The documentation requirements are far less extensive compared to other types of financing, making the process faster and more agile.
Private capital providers must be registered with the Bank of Spain, ensuring they are certified, regulated, and subject to supervision.
Private capital offers greater flexibility in loan repayment. Repayment schedules, frequency, and grace periods can be tailored to the specific needs of the borrower, something traditional banks rarely allow.
These are complex transactions that require significant experience and specialization to be executed effectively.
Private capital providers typically offer more personalized and strategic advice than other financial institutions, adapting to the unique needs of each client.
Private capital is suited for large-scale operations, making it ideal for companies or individuals seeking high-value financing.
If there are any doubts about how a private capital loan works, a 50-second video is available explaining the product. Specifically, how it can be used to stop a foreclosure.
This video outlines the steps required to apply for a private capital loan. The procedure is the same for other types of financing products.
If any questions remain, feel free to contact us to discuss your financial situation. We’ll guide you toward the best possible solution.
TQ Eurocredit is one of the leading private capital financing firms at the national level. We provide funding where banks cannot, and we resolve complex financial situations that other firms are unable to handle, either due to insufficient financial capacity or lack of the legal, economic, and strategic expertise required.
We stand out in the sector thanks to several competitive advantages that have positioned us as market leaders:
We offer the guidance you need at no cost, just reach out and tell us about your situation.
TQ Eurocredit has several headquarters and branch offices strategically located across major cities, ensuring national coverage. This network allows us to offer more convenient service to our clients, as personalized, face-to-face interaction is a key added value in this type of financial transaction.
Our private capital offices are located in:
In 2019, we opened a private capital office in the heart of Madrid, led by one of the most experienced private capital experts in the country, with deep knowledge of the Madrid region and years of expertise.
We also have a large Barcelona office, staffed by a top-tier team of specialists with strong reputations in the financial, banking, and real estate sectors.
In 2020, we opened a Balearic Islands office, located in Mallorca, which manages all operations and client support across the islands.
Our central office in Girona, active since 2012, was the original driver behind TQ Eurocredit’s expansion in private capital. It remains the core of our company, housing most of our team.
In addition, we have branch offices in Aragón, Palamós, and Lleida, extending our coverage across the national territory.
To view the location, contact phone numbers, or email addresses of our offices and branches, click here for more information.
Before applying for private capital, it’s important to distinguish between two types of transactions, as there are some relevant differences. While the application process is essentially the same, these distinctions are worth considering:
These apply when the applicant is a self-employed professional, company director, or shareholder, and the funding is required for a company.
To apply for private capital financing for a business, credit bureau listings (such as RAI) or a negative banking profile are not an issue.
The main advantage of private capital business transactions over consumer loans is that they offer greater flexibility and shorter funding timelines.
For more details, see our dedicated pages on private capital for businesses or business financing solutions.
Also known as consumer loans, these are for individuals seeking financing for personal, family, or professional needs.
Credit issues such as being listed in ASNEF do not prevent access to financing. It is also possible to consolidate loans and credits to reduce the monthly payment or obtain liquidity for a specific project.
These transactions are subject to slightly more rigid procedures, and funding typically takes around 14 days.
In both cases, the application process for private capital financing is the same, contact us and our team of experts will guide and advise you based on the type of transaction.
Steps to Request a Private Capital Loan
01
Contact Us Visit one of our offices or reach out via the phone numbers or forms available on our website.
02
The Land Registry extract of the property to be used as collateral. In the case of companies, the corporate tax return and financial statements (balance sheets) must also be provided.
03
Property Appraisal
04
Notary Signing
To access a private capital loan, there are several conditions and requirements that must be met for any operation:
To qualify for a private capital loan, the essential condition is the provision of real estate collateral.
Before entering the world of private capital, it’s important to understand that it differs significantly from traditional bank financing. Knowing the rules of the game from the outset helps avoid surprises later.
The main differences between private capital loans and bank loans are as follows:
If there are any questions, we strongly recommend calling us. Our team of experts will guide and support you throughout the process to ensure that the financial solution is aligned with your needs.
