Development finance · Portugal
Development finance.Without the bank bureaucracy.
Short-term, senior-secured financing of €1–5m for experienced real estate developers in Portugal — from land acquisition and licensing to construction readiness, before conventional bank financing is available.
What is development finance in Portugal?
Development finance is short-term, secured lending that funds a project through the stages a conventional bank will not usually finance: buying land, obtaining municipal licensing, and reaching the pre-sales that make the project bankable. In Portugal, banks typically enter at the construction stage — development finance carries the project until then, secured by a first-ranking mortgage, and is repaid from bank refinancing, sale or pre-sales.
Read the complete guideWhat Verde Capital provides
€1–5m facilities
Short-term senior-secured development loans for experienced residential developers.
6–24 month terms
Defined repayment routes: bank refinancing, sale or pre-sales.
Indicative terms in 24 hours
Describe the project once; Verde, our AI underwriter, builds the case.
First-ranking mortgage
Security over the land or project — with Verde investing its own capital alongside.
Built for experienced developers
- Acquiring land with development potential
- Funding licensing, design and municipal fees
- Bridging to pre-sales and construction lending
- Residential projects across Portugal
How it works
- 1
Describe your project
Through the online application — or attach plans and appraisals.
- 2
Verde builds your case
AI-assisted underwriting with an internal credit team and local expert review.
- 3
Indicative terms in 24 hours
Then due diligence, security and funding — and a clear path to your bank refinancing.
How it compares with bank financing
| Verde development finance | Conventional bank financing | |
|---|---|---|
| Project stage | Land acquisition, licensing, pre-construction | Construction and completion, once milestones exist |
| Decision speed | Indicative terms within 24 hours | Committee cycles after a full dossier |
| Typical size | €1–5m | Larger facilities at construction stage |
| Term | 6–24 months | Construction period plus sales |
| Security | First-ranking mortgage, Verde co-invests | Mortgage plus assignments and pre-sale coverage |
Keep learning
Questions developers ask
What is development finance in Portugal?
Short-term, senior-secured lending that funds a project through acquisition, licensing and pre-sales — the stages before conventional bank construction lending — repaid from bank refinancing, sale or pre-sales.
What can be financed?
Land acquisition, licensing and design costs, municipal fees and the carry to pre-sales — typically €1–5m per facility for experienced residential developers.
How fast is the answer?
Indicative terms within 24 hours of describing the project; funding follows underwriting, valuation and due diligence.
What security is required?
A first-ranking mortgage over the land or project, with the developer's equity invested and Verde Capital co-investing its own capital.
How is it repaid?
Through the next capital event: construction-stage bank refinancing, sale of the completed or part-completed asset, or pre-sale programmes.
Who can apply?
Experienced developers with Portuguese residential projects and their own equity in the deal. Brokers and advisers can also introduce deals on behalf of developers.
Start with your project.
Describe it below. Verde asks what's missing and builds your case — indicative terms within 24 hours.