Urbanitae's debt projects allow you to participate in the financing of real estate developments by contributing capital to the developer in exchange for an interest rate agreed upon from the outset. These investments are designed for those seeking predictability, risk control, and a simple and accessible way to invest in the real estate sector.
A debt project is an operation in which Urbanitae investors provide financing to a developer to cover a specific need of the real estate project: the purchase of land, the acquisition of the asset, the progress of works, or the reinforcement of liquidity in a phase that banks do not yet finance.
In many developments, banks require the developer to have previously contributed a significant portion of their own capital before granting the main loan. Urbanitae comes in precisely at this point: an intermediate phase where additional financial support unlocks the project's progress.
As an investor, you do not acquire ownership of the property nor do you share in the final profit of the transaction. Your role is that of a lender, with an interest rate fixed from the outset and a clearly defined estimated repayment period, backed by a specific guarantee structure for each project.
The loan repayment can come from different common routes:
1. Bank refinancing.
2. Pre-sales or project cash flow.
3. The sale of the asset, as occurs in single-family developments or villas.
At Urbanitae we have financed more than €230M in debt projects in Spain and Italy
View projectsInvesting in real estate debt is a way to obtain defined interest in a specific term, participating in operations carefully selected and structured by our investment team. It is an alternative that combines the solidity of the real estate sector with a simple mechanic: providing financing and receiving an agreed return.
These types of projects are usually of special interest to those looking for:
Defined interest without commercial exposure to the asset.
Clear investment terms.
An alternative to diversify within the real estate sector.
An understandable product even without previous investment experience.
A complement to equity strategies or more long-term oriented investments.
Access from €500 to professionally structured real estate financing operations, without the need to acquire an asset or assume its management.
Access to exclusive real estate loans, analyzed from a technical, legal, and financial perspective, and designed to offer defined interest and limited risk.
Real-time project tracking, with regular updates, webinars, and transparent communication throughout the life of the loan.
Regulated framework: Urbanitae is registered with the CNMV as a crowdfunding platform, a secure and supervised environment for investors.
Invest with clarity and security in professionally structured debt projects. Grow your money in a transparent and regulated environment.