Personalised advice from an expert advisor.
At Bankinter, we know that every business is unique. That’s why we offer you not only financing, but also the guidance of expert advisers who will help you define every aspect of your investment:
- Repayment terms tailored to your business.
- Interest rates based on the nature of the transaction.
- Level of financing based on the project and collateral.
What you can finance with a mortgage for SMEs
Purchase of commercial premises or industrial units
Content Purchase of commercial premises or industrial unitsFinance the purchase of the premises where you run your business and turn rental costs into an investment for your company.
Purchase of offices and residential properties
Content Purchase of offices and residential propertiesFinance the purchase of office space or residential properties to support your business’s operations, and turn it into a long-term investment with a mortgage solution tailored to the real needs of your SME.
Renovation, refurbishment or new projects
Content Renovation, refurbishment or new projectsFinance the refurbishment or renovation of your company's premises, as well as the launch of new projects, by leveraging your real estate assets to support medium- and long-term investments.
Mortgage-backed leasing
Content Mortgage-backed leasingA way to help your company to finance a property through a lease-to-own arrangement, without having to purchase it outright from the outset.
Are you familiar with Bankinter's Multi-line Mortgage?
A unique financing solution that allows you to combine multiple financial products under a single mortgage collateral. This is a comprehensive credit facility that you can use flexibly to suit your needs.
Flexible financing terms designed to drive your company's growth
- The type of real estate investment you wish to make: purchase, renovation or investment in retail premises, industrial warehouses or offices.
- Your company's financial situation and capacity, guaranteeing a sustainable financing structure.
- The corporate structure and the guarantees provided, to define a solution tailored to the size, complexity and reality of your business.
The result is a business mortgage solution designed to support long-term business projects, providing stability, financial planning and a vision for the future.
It's that simple to request a mortgage assessment for your SME.
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A specialist will be in touch with you to discuss the mortgage that best suits your company's needs.
Backed by a leading Bank
The strongest bank in Spain.
Content The strongest bank in Spain.One of the most sustainable banks in the world.
Content One of the most sustainable banks in the world.The most recommended Spanish Bank by corporates.
Content The most recommended Spanish Bank by corporates.FAQs
What types of assets can I finance with a mortgage for SMEs?
You can finance the purchase of the space where you carry out your business activity, such as retail premises and industrial warehouses. You also have the option to apply for financing for renovation or refurbishment of your current facilities.
Can I get financing if I already have other financial products?
Yes, our corporate mortgage can be combined with other financing solutions such as ICO credit lines. The objective is to offer you a comprehensive strategy tailored to your needs.
What level of financing can I get for my business with this mortgage?
The financing percentage is not fixed, as it is determined on a case-by-case basis depending on the nature of the transaction, the type of project and the collateral provided by your SME.
Do I need to be an existing customer to use the commercial property mortgage simulator?
No, you can run your figures and simulate your mortgage completely free of charge and with no commitment. All you need to do is enter basic details such as the location and price of the property to get a personalised quote.
How are my repayment periods and interest rates determined?
Both the repayment periods and the interest rates are tailored to each business. Our specialised advisors will analyse your company's financial situation to offer you terms that suit your cash flow.
Is there a maximum financing limit on the mortgage for SMEs?
Yes. Mortgage financing for businesses can cover up to 60% of the property’s value, always within a collateral-based structure and subject to a case-by-case assessment.
What is a multi-line mortgage?
It is a mortgage-backed credit facility that allows your company to turn the value of its real estate assets into liquidity. It's a flexible solution for tackling new projects, investments or financial needs with no need to take out a separate loan for each transaction.
What are the advantages of a multi-line mortgage facility?
The multi-line mortgage facility provides greater financial flexibility, as it allows you to access liquidity according to your company's needs, using a single asset as collateral. It makes it easier to tackle different projects without taking out multiple loans, optimising financial management and adapting to the pace of your company's growth.