At Kaizen Consulting, we advised a client through their holding company on structuring a bridge financing facility secured against a residential asset located in France.
This case further strengthens our expertise in alternative real estate financing across the main Western European markets, particularly in cross-border transactions.
Context: strategic liquidity during a disposal process
The client was in the middle of divesting a high-value residential asset and required immediate liquidity without being forced to close the sale under unfavourable conditions. The objective was clear: to gain time and preserve negotiating power while progressing with the sale.
The challenge: outside traditional banking criteria
The transaction did not fit within the usual parameters of French banks due to:
- The international profile of the owner
- A corporate structure with multi-jurisdictional implications
- The need for rapid execution
- A non-standard operation in terms of income assessment and residency
In practice, traditional banking was not able to provide a viable solution.
The solution: tailored bridge financing structure
At Kaizen Consulting, we designed a short-term bridge financing solution backed by real estate collateral, aligned with the expected timeline for the asset’s disposal. This was a sizeable transaction, structured with an alternative lender specialised in real estate lending in France.
Key aspects included:
- In-depth analysis of the ownership structure
- Coordination between legal advisors across jurisdictions
- Designing a robust and executable structure
- Full support through to loan completion
The complexity: international coordination
The main challenge was ensuring proper legal and tax structuring across the different jurisdictions involved, guaranteeing the solidity of the transaction from both a legal and financial standpoint. In this type of deal, international experience makes a critical difference.
Strategic approach
This case reinforces our specialisation in bridge financing secured by real estate across countries such as Spain, France, Italy, the UK, Portugal, Germany and Ireland.
We work with individuals and holding companies owning residential or industrial assets, with a clear exit strategy, whether through sale or refinancing.
When traditional banking does not fit, a well-structured alternative financing solution allows clients to protect value, gain time and maintain negotiating leverage.
