01
Your case in front of 20+ banks
We submit the file to lenders open to business property. You choose with real offers on the table, not a branch “product of the month”.
Business · property finance
Property finance for your company.
We negotiate your warehouse, retail or office loan with more than 20 banks. We prepare the corporate file, give you a written fee quote and tell you with numbers what is viable — before you commit.
+20
Banks
~24 h
Initial review
4 cities
Offices
Business operations. We work with companies and business owners in a commercial context. Consumer protection under Spanish Law 5/2019 (natural persons) does not apply here. In the case review we spell that out so you do not mix this operation with a home mortgage.
Your case, in front of 20+ lenders
SantanderBBVACaixaBankSabadellBankinterAbancaUnicajaKutxabankIbercajaINGBNP ParibasCajamarSantanderBBVACaixaBankSabadellBankinterAbancaUnicajaKutxabankIbercajaINGBNP ParibasCajamar
Why SkyFS
What we do for your company that a bank branch on its own does not.
We are not an online comparator or a single-lender salesperson. We are a Banco de España property credit intermediary (D286): we compare, negotiate and stay with you through signing. The bank decides approval — we never promise a yes or specific terms.
02
Corporate file ready to read
We organise accounts, corporate tax, CIRBE, guarantees and the asset so the analyst does not bounce the dossier on day one. Fewer loops; clearer LTV and term expectations.
03
Written fee quote
You know the service cost before we open the file. Same policy in Madrid, Zaragoza, Valencia and Palma. No “free” pitch that later shows up in worse terms.
04
One named contact and the group behind
The same person from the first call to notary. If you need legal or purchase support, the Sky Solutions Group ecosystem is in-house.
Deal types
Warehouse, retail, office or improve the loan you already have.
Each asset needs a different story for the bank. We build the file and submit it to matching lenders — you decide with numbers.
Industrial asset
Industrial warehouse
You buy or expand a warehouse and need a bank that understands industrial typology, valuation and guarantees. We structure mortgage or leasing against your cash flow and tell you what LTV is realistic.
- We compare mortgage vs leasing with your numbers
- We prepare valuation and dossier for industrial assets
- We flag early if shareholder guarantees are likely
Retail / services
Retail unit
A unit for your trade or to let. We negotiate with lenders that look at use, rents and consolidated debt — not just the headline price.
- Own use vs investment from day one
- Rents and void risk framed for the bank
- Transfer tax / VAT and liquidity separate from the loan
Head office & tertiary
Office
Head office, practice or office building. We tidy the corporate file and use plan so the bank sees security and capacity — not a slide deck.
- Loan term aligned with the asset
- SL / SA / sole trader documentation to bank standards
- Signing calendar when several shareholders are involved
Improve what you have
Refinancing
If you already have a loan on a warehouse, retail unit or office, we calculate whether switching bank, lowering the payment or consolidating debt is worth it — including exit costs.
- Net saving after cancellation, valuation and fees
- Impact on guarantees and current covenants
- We only move you if the numbers hold up
Profile
Who this is for company property finance.
If your company (or you as a business owner) needs a loan to buy or refinance a warehouse, retail unit or office, we negotiate for you. For a main home mortgage, see Mortgages.
Fits if…
You are financing business property, not your home.
- 01
Buying warehouse, retail or office
For own use or to let. We take the asset, accounts and guarantees to several banks — you are not stuck with the first branch no.
- 02
SL, SA or sole trader
Commercial operation. We explain what that means (including Law 5/2019) and how to present accounts so the analyst reads them smoothly.
- 03
Improving the loan you already have
Switch bank, lower payment or consolidate debt on mortgaged business property. We calculate net saving; if it does not pay, we say so.
- 04
Several shareholders or guarantees
We coordinate guarantees, shareholder assets and signing dates so the file does not stall between notary and bank.
File
Documents the bank asks for
We send a checklist and tell you what actually weighs on the decision. With a tidy dossier, in ~24 h you get viability guidance and LTV orientation.
01Incorporation and tax ID
Deeds and company tax ID. Without that the bank will not open the file — we ask for it upfront.
02Accounts and corporate tax
The bank looks at real net profit. We help you present the series without adjustments that collapse later.
03Tax returns and statements
Tax filings and company account movements, ordered for the analyst.
04CIRBE and current debt
What the company and guarantors owe today. That way we avoid surprises mid-review.
05Property details
Land registry note, cadastre or asset sheet. Basis for valuation and LTV.
06Guarantors (if applicable)
ID and assets of shareholders. Often required on warehouses and high LTV — we tell you early.
Process
How we work with you From first data to signing.
Four steps. One contact. You decide with information, not bank pressure.
- 01
Viability review
You share property type, price and accounts. In ~24 h we say if there is a route, indicative LTV and which banks make sense.
- 02
Fee quote and structure
Fees in writing. We define mortgage, leasing or refinance, guarantees and timeline — before weeks of paperwork.
- 03
Bank negotiation
We prepare the file and submit it to lenders open to business assets. You compare real conditions.
- 04
Close through notary
Valuation, formal documentation and signing. The same person stays with you; legal / purchase support from the group if needed.
Example
Illustrative example
A typical case when we structure the deal: an SL buys a warehouse for own use, with clean accounts and two shareholders willing to guarantee.
Starting point
- Warehouse price
- €850,000
- Equity
- €320,000
- Existing debt
- low
Indicative
- Indicative LTV
- ~60–65%
- Loan
- ~€510,000–550,000
- Typical term
- 10–15 years
Illustrative figures, not an offer. In your review we cross valuation, sector and each bank’s real policy.
Business FAQ
Business owner questions. Answers with numbers.
What we do for you, why not only your bank, LTV, guarantees and fees. Anything else, we cover it in the case review.
Review my caseWe assess whether the deal is viable, prepare the corporate file, submit it to 20+ lenders open to warehouse, retail or office assets, negotiate terms and stay with you through signing. You are not going bank to bank blind: you compare offers with someone who knows your file from start to finish.
Next step
Want your company to negotiate with banks properly?
Send property type, price and accounts. In ~24 h we tell you what is viable, what LTV fits and what our work would cost — in writing.
Madrid · Zaragoza · Valencia · Palma · BE D286