LOAN
Loan Financing
SM Invest delivers sophisticated debt solutions for premium real estate investors. We architect bespoke financing structures that align with your asset strategy while optimizing capital efficiency across your portfolio.
With €60 million in loans originated since 2021 and a team of 8 financing specialists, we provide institutional-grade debt solutions to private investors, developers, and institutional clients across 12 countries. Our loan portfolio maintains a 98.7% repayment rate and average LTV of 68.2%.
Core Financing Solutions
Tailored Loan Products
- Custom Structures
- Hybrid fixed/variable rate options with conversion flexibility
- Mezzanine financing solutions up to 90% combined LTV
- Cross-portfolio collateralization for diversified borrowers
- Bridge-to-permanent loans with seamless transition features
- Construction loans with staged drawdowns and inspection waivers
- Mini-perm financing with 3-5 year terms - Competitive Terms
- LTV up to 80% for qualifying assets with 1.25x DSCR minimum
- Interest-only periods (12-36 months) with extension options
- Pricing at Prime +0.75-2% based on asset quality and sponsor
- Non-recourse options available with standard carveouts
- Prepayment flexibility with declining penalty schedules
- Foreign currency denominated loans for cross-border investments
Product Matrix
| Product | Term | LTV | Pricing | Best Suited For |
|---|---|---|---|---|
| Prime Bridge | 6-36 months | 65-75% | SOFR + 2.25-3.50% | Time-sensitive acquisitions, lease-up properties |
| Stabilized Term | 5-10 years | 60-70% | Fixed 5.75-7.25% | Income-producing assets with strong NOI |
| Value-Add Facility | 3-5 years | 70-80% | SOFR + 3.00-4.50% | Renovation/repositioning with clear value creation |
| Construction Loan | 24-48 months | 65-75% | SOFR + 3.50-5.00% | Ground-up development with pre-leasing |
| Portfolio Loan | 5-7 years | 55-65% | Fixed 6.00-7.50% | Multi-asset collateral packages |
Strategic Advantages
Credit Services
- Preliminary term sheets within 72h of initial application
- Debt yield analysis with 5-year cash flow projections
- Banking partner network of 35+ lending institutions
- Refinancing strategy advisory with rate hedging options
- Loan syndication services for large-scale financings
- Capital stack optimization across debt tranches
Risk Management
- Asset-level stress testing across 8 economic scenarios
- Sponsor track record analysis with proprietary scoring
- Market liquidity assessment by our research team
- Exit strategy validation with 3 contingency plans
- Environmental risk evaluation for all collateral
- Lease expiration concentration analysis
Technology Platform
- Digital loan application with document upload portal
- Real-time loan performance dashboards
- Automated covenant compliance monitoring
- Secure document sharing with e-signature capability
- Payment processing with multiple currency options
Investor-Centric Approach
- Family office solutions with consolidated reporting
- Cross-border financing in 7 major currencies
- 1031 exchange facilitation with reverse exchange options
- Portfolio optimization through debt recycling strategies
- Interest rate hedging advisory and execution
- Interim loan servicing during transitional periods
Our Financing Process
- Initial Consultation - 60-minute needs assessment
- Preliminary Analysis - Property and sponsor evaluation
- Term Sheet - Customized financing proposal
- Due Diligence - 15-point underwriting process
- Documentation - Loan agreement preparation
- Closing - Funds disbursement (avg. 45 days from application)
- Servicing - Ongoing loan administration
Recent Transactions
- €42 million bridge loan for Paris office acquisition (75% LTV)
- €28 million construction facility for Berlin residential project
- €65 million portfolio refinancing across 5 European markets
- €18 million mezzanine debt for London value-add opportunity
Loans subject to credit approval and property valuation. Minimum loan size €1 million. Rates and terms subject to change based on market conditions and borrower profile. Some products not available in all jurisdictions.