Business Loans · Spain

Business Loans in Spain

Working capital and expansion loans from €100K to €25M for established businesses in Spain, structured by Apex Euro Capital.

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Overview

Apex provides structured business loans to established companies operating in Spain. Spanish borrowers benefit from active coverage of Iberian credit markets. Loans are originated from our Brussels head office with on-the-ground support across the country.

What we offer in Spain

Loan facilities from €100K to €25M for Spain-headquartered businesses
Working capital, CAPEX, expansion, refinancing and acquisition funding
Bullet, amortising and revolving structures with covenant-light options
Indicative terms within 48 hours of complete documentation
Dedicated relationship manager from origination through to drawdown

Frequently asked questions

What is the minimum revenue requirement to apply for a business loan in Spain?

Apex typically funds Spain businesses with at least €1M of annual revenue and three years of trading history, though earlier-stage opportunities are reviewed case-by-case.

How long does it take to receive funding in Spain?

Indicative terms are typically issued within 48 hours of receiving complete financial documentation. Drawdown usually follows within 3 to 6 weeks subject to KYC, legal and security.

Are loans available in EUR only?

EUR is our primary lending currency. Multi-currency facilities (including GBP and USD) are available for qualifying borrowers.

Business loans in Spain from €100K to €25M

Apex Euro Capital originates commercial loans for Spain headquartered companies, covering working capital loans, CAPEX, expansion and refinancing of existing business debt. As a non-bank lender we underwrite on cash flow and asset quality rather than branch policy, so borrowers in Madrid, Barcelona and Bilbao and across the regions get a decision that reflects their trading reality.

Working capital loans and invoice finance in Spain

Revolving credit facilities, receivables financing and supply chain finance that smooth seasonal cycles and free trapped cash from your Spain order book.

Asset based lending and equipment finance in Spain

Machinery, fleet and plant financing structured against the asset, with sale and leaseback available for capital already tied up on your balance sheet.

Acquisition finance and refinancing in Spain

Senior, unitranche and subordinated debt for buy and build strategies, management buyouts and consolidating legacy facilities into one cleaner structure.

Alternative lenders and private credit for Spain businesses

Bank retrenchment has widened the gap between what Spain companies need and what traditional lenders approve. Apex fills that gap with direct lending and private credit capital, priced against EURIBOR and documented to institutional standards. Spanish and Iberian credit markets are covered by a dedicated origination desk.

Business loan eligibility in Spain

We typically fund companies with at least €1M of annual revenue, three years of trading history and a clear repayment source. Earlier stage and special situations are reviewed case by case.

Business loan interest rates in Spain

Pricing is risk based, normally EURIBOR plus 4 to 9 percent depending on leverage, sector and the security package offered.

Fast business funding in Spain

Indicative terms inside 48 hours of a complete file, with drawdown typically 3 to 6 weeks later once KYC, AML and legal completion are done.

Project, property and growth capital across Spain

Beyond commercial loans we arrange real estate finance, property development finance, renewable energy project finance and growth capital for Spain sponsors. Facilities run from €100K bilateral loans to €500M+ syndicated structures, always in EUR with multi currency options for exporters.

Common questions

Who qualifies for a business loan in Spain?

Established Spain companies with at least €1M of revenue, three years of trading and audited or reviewed accounts. Property and project sponsors are assessed on asset and cash flow quality instead.

How quickly can funding be released in Spain?

Indicative terms arrive within 48 hours of a complete documentation pack and most facilities complete within 3 to 6 weeks, subject to KYC, AML and legal steps.

Do you offer unsecured business loans in Spain?

Yes, for strong trading businesses. Larger facilities normally carry corporate security, and asset based lending is available where collateral is the better route.

Europe's most direct route to capital

Founders, CFOs and sponsors choose Apex Euro Capital because the process is senior, fast and completely transparent from first call to drawdown.

Senior bankers on every file

Your mandate is led by a partner with 15+ years in European credit and capital markets, never handed to a junior queue.

Decisions in days, not quarters

Indicative terms within 48 hours of a complete pack, with a transparent timeline to drawdown.

One relationship, all of Europe

Debt, equity, project finance and institutional capital arranged across 27 EU markets from Brussels and Athens.

Structures built around cash flow

Amortising, bullet, unitranche, mezzanine or hybrid, shaped to how your business actually converts revenue.

Institutional capital network

Direct access to banks, credit funds, family offices and development finance institutions in a single process.

Priced with no surprises

Fees, margins and covenants disclosed in writing up front. No success-fee ambiguity, no hidden retainers.

Eligibility

Check in sixty seconds whether we can fund you

We publish our criteria openly so you never waste weeks on a process that was never going to close.

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Registered business in the EU, EEA, UK or Switzerland
Twelve months or more of trading history, or a bankable project sponsor
Minimum funding requirement of €100,000
Last two years of filed accounts, or a full project financial model
Clean beneficial-ownership and sanctions position
A defined use of proceeds and repayment or exit route

Trust and compliance

Regulated discipline behind every euro

Capital is only useful if it is raised properly. Our compliance framework is built for institutional counterparties and audited borrowers alike.

AML policy GDPR policy KYC policy

EU regulatory alignment

Mandates structured in line with EU financial services rules and local market practice in every jurisdiction we fund.

AML and KYC by design

Risk-based onboarding, sanctions screening and beneficial-ownership verification on every counterparty.

GDPR-grade data handling

Encrypted document exchange through the client portal, with data stored and processed inside the EU.

Independent oversight

Investment and credit committees sign off separately from origination, so pricing stays objective.

Ready to discuss your funding requirements?

Our advisory team responds to qualified enquiries within one business day.