PEAK PIM
Financing lines for fast-moving operations.
Property traders, developers, holding companies: we set up property-trader loans, programme financing and the holding / SPV structures suited to your operating cycles.
Who it’s for
Players who finance operations, not a home.
- 01
Property traders
Buy-and-sell, subdivision, heavy renovation: short financing calibrated on margin and the pace at which you resell your units.
- 02
Developers
Off-plan (VEFA) programme financing, development facility, completion guarantee: we structure the debt around your sales plan.
- 03
Property companies & investors
Building or refinancing a portfolio, holding / SPV structures, leverage optimised on income-producing assets.
In practice
Precision makes
the difference.
On these operations, speed of execution and structuring matter as much as the rate. We target the partners who know how to finance your business.
01
Property-trader credit lines
Financing acquisition and works on buy-and-sell operations, with terms and a deferral suited to the sales cycle.
02
Programme financing
Development facility, off-plan financing, financial completion guarantee: structured around the sales plan.
03
Holding / SPV structuring
Setting up dedicated project companies, ring-fencing risk and optimising leverage deal by deal.
04
Optimising cash-flow cycles
Chaining operations without a cash-flow break, stock refinancing and revolving lines to keep your capacity to act.
How it works
An organisation tuned to your operations.
Step 1
Analysing the operation
Study of the developer’s balance sheet, the margin forecast and the sales plan.
Step 2
Structure & vehicle
Choice of vehicle (SPV, holding), calibration of debt and guarantees suited to the operation.
Step 3
Competitive tender
Approaching banks and partners specialised in financing real-estate operations.
Step 4
Follow-up & renewal
Support through to disbursement, then renewal of the lines for your next operations.
Frequently asked
What we’re often asked.
Do you finance a first property-trading operation?
Yes, it is possible, even if banks are more demanding on a first file. The quality of the operation, the forecast margin, your contribution and possibly a guarantee or co-investor make the difference. We point you to the partners most open to new operators.
How much equity is expected on an operation?
In property trading as in development, expect generally 15 to 25% equity on the cost price of the operation, varying with risk, location and your track record. Some structures allow this level to be optimised.
Do you handle recurring lines or only one-off deals?
Both. We arrange one-off financing as well as a lasting relationship with renewable lines, so you can chain operations without starting from scratch each time.
An operation to structure?
30 minutes to frame the financing of your next operation.