Real estate finance across European markets
From senior development loans to whole-loan acquisition facilities, Apex structures real estate capital for sponsors, developers and investors from €2M to €150M+.
Senior, stretch-senior and whole-loan structures
Apex provides flexible real estate finance across the full risk spectrum, from stabilised income assets to ground-up development. Our team underwrites in-house and closes with speed institutional banks cannot match.
- Acquisition & investment loans
- Development & construction finance
- Bridge & permitted-development loans
- Refinancings & capital releases
- Whole-loan and stretch senior
- Mezzanine & preferred equity
Eligibility at a glance
- Experienced sponsor with relevant track record
- RICS or equivalent valuation (or on instruction)
- Clean title and planning where applicable
- Pre-let, pre-sales or business plan supporting exit
- Minimum 25% sponsor equity (or 35% on development)
Real Estate Finance, engineered for ambitious operators
Every real estate finance mandate is led by a senior Apex banker and structured around your sector, jurisdiction and timeline, not a generic product sheet. Open a tailored enquiry form in seconds and our team will respond within one business day.
- Acquisition & investment loans
- Development & construction finance
- Bridge & permitted-development loans
- Refinancings & capital releases
Built for serious capital decisions
Institutional rigour with the speed and clarity European businesses expect.
All asset classes
Office, retail, residential, mixed-use, hotel, logistics.
Residential focus
BTL, BTR, PRS, student and senior living portfolios.
Hospitality desk
4 to 5★ hotel acquisitions, conversions and repositioning.
Logistics & industrial
Last-mile, urban logistics and cold-chain facilities.
Pan-European
20+ markets with local valuation and legal partners.
Fast execution
Bridge facilities can complete in 2 to 3 weeks.
From enquiry to drawdown
A transparent, milestone-driven funding journey.
- 1
Asset brief
Property details, sponsor track record and target structure.
- 2
Indicative terms
Heads of terms within 5 business days of complete pack.
- 3
Valuation & DD
RICS / equivalent valuation, legal DD and credit committee.
- 4
Drawdown
Documentation, security perfection and funds released.
How our clients deploy this capital
Acquisition
Senior loans for income-producing commercial and residential.
Development
Construction finance for residential schemes, mixed-use and PBSA.
Bridge
Short-term capital for auction purchases, refinances and permitting.
Refurbishment
Heavy refurb and asset-management value-add plays.
Portfolio refinance
Cross-collateralised facilities replacing legacy lenders.
Conversions
Office-to-resi and PD conversions with planning risk wrap.
Industries we serve
Specialised underwriting across the sectors driving European growth.
Residential & BTR
Build-to-rent, PRS and large multi-family portfolios.
Office
Grade-A repositioning, ESG retrofits and prime acquisitions.
Retail
Prime high street, retail parks and grocery-anchored.
Hospitality
4 to 5★ hotel acquisitions, conversions and branded residences.
Logistics
Last-mile, big-box and cold-chain logistics.
Student Living
PBSA developments in tier-1 university cities.
Senior Living
Care, assisted living and integrated retirement villages.
Mixed-Use
Master-planned regeneration and mixed-use schemes.
Active across European markets
Local legal counsel, valuation partners and dedicated coverage in every jurisdiction.
Berlin, Munich, Hamburg, Frankfurt, residential & logistics.
Madrid, Barcelona, Valencia, BTR and hospitality.
Athens, Thessaloniki, islands, residential and hotels.
Lisbon, Porto, Algarve, residential and hospitality.
Milan, Rome, Florence, mixed-use and hospitality.
Paris, Lyon, Côte d'Azur, prime acquisitions.
Randstad, residential and logistics.
London and regional cities, BTR, PBSA, logistics.
Facility sizes and indicative pricing
Indicative only, final pricing is risk-based and confirmed at term-sheet stage.
- 2 to 3 week completion
- Up to 70% LTV
- Auction & permitted-dev
- Interest rolled or serviced
- Up to 75% LTC
- Construction drawdowns
- Pre-sale flexibility
- Exit via sale or refinance
- Up to 65% senior / 80% whole-loan
- Stabilised income
- Portfolio facilities
- Cross-collateralised
The European real estate finance landscape
Live indicators from the Apex desk, updated every quarter to reflect actual deal flow, not headline forecasts.
Apex vs traditional lenders
How our real estate finance process compares to a typical high-street bank.
Apex Euro Capital
- Indicative terms in 48 to 72 hours
- Senior partner on every mandate, no junior hand-offs
- Bespoke structures across debt, equity and hybrid capital
- Cross-border capability in 30+ European jurisdictions
- Dedicated portal for documents, KYC and status tracking
- ESG and MiCA-aligned frameworks built in
Traditional bank
- Term sheets in 6 to 12 weeks
- Relationship handed off to junior underwriters
- Standardised products with limited flexibility
- Domestic focus with restricted cross-border capacity
- Manual document collection over email
- Slower adoption of ESG and digital-asset frameworks
Measurable results, not marketing claims
Aggregate performance across real estate finance mandates completed in the last 24 months.
Deals close on the timeline agreed in the term sheet.
Median 24-month revenue uplift for borrowers who deployed our capital.
Post-close NPS from Apex borrowers, sponsors and investors.
“Apex funded our 180-unit residential development in Athens with a stretch-senior facility that no high-street bank could match. The drawdown discipline was excellent.”
Questions, answered
Most frequent questions about real estate finance at Apex.
Ready to apply?
Launch the tailored real estate finance application form. It takes around 3 minutes. A senior Apex advisor will respond within one business day.
- Confidential, bank-grade encryption
- GDPR & AML/KYC compliant
- Indicative term sheet within 48 to 72 hours
Other funding solutions
Compare Apex financing options and connect them to your sector strategy.
Business Loans
SME business loans across the EU, €100K to €50M
Corporate Finance
Mid-market corporate finance & structured credit
Project Finance
Infrastructure & energy project finance in Europe
Real Estate Finance
Commercial real estate & development funding
Venture Capital
Growth-stage venture capital for European tech
Crypto Investment
MiCA-compliant digital asset investment
Industries We Serve
12 focus sectors from renewables to fintech
Renewable Energy Funding
Solar, wind & storage project finance Europe
Infrastructure Finance
Large-scale infrastructure debt across Europe
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.
- 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
Business loans and project finance across Europe
Local underwriting knowledge in each market, arranged through one pan-European team.
Mittelstand growth and working capital facilities
Business loans in GermanyCorporate credit and acquisition finance
Business loans in FranceSME lending and real estate development funding
Business loans in SpainManufacturing, export and asset finance
Business loans in ItalyHead-office lending from our Brussels desk
Business loans in BelgiumTourism, shipping and energy transition capital
Business loans in GreeceRegulated 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.
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.