Real Estate Financing

It is a medium and long-term financing where the maturity, as well as, the amount is mainly based on the type and condition of the financed property. The maturity of loans ranges from 2 to 15 years with balloon instalment at the end. Financing institutions focuses not only on the collateral value but mainly on the source of repayment and its sustainability. Therefore, financial covenants, for different types of projects, which has to be fulfilled by client differ as well.

For the real estate projects follow basic types of financing are being used:

  •  long-term investment loan for the construction, refinancing of own sources (5-10 years)
  • over-draft facility for VAT financing (1 year)
  • pre-financing of EU funds (if applicable)

We provide advisory and financial intermediation for the following types of projects:

  • retail Projects
  • residential projects
  • administration
  • logistics
  • leisure
  • Infrastructure ( PPP project included )
  • Social services projects

Energy projects financing

Electricity

It is a long-term financing based on standard principles of project finance. The main source of income is the production of electricity at a fixed redemption price guaranteed by the state for 15 years.

For energy projects follow basic types of financing are being used

  • long-term investment loan for the construction, refinancing of own sources (5-10 years)
  • over-draft facility for VAT financing (1 year)
  • over-draft facility for the operation of the project (purchase of raw materials and operating costs)
  • pre-financing of EU funds (if applicable)

We provide advisory and financial intermediation for the following types of projects:

  • photovoltaic power plants
  • biogas stations
  • biomass power plants
  • small hydropower plants
  • combined cycle power stations

Thermal power

It is a long-term financing based on standard principles of project finance. The main source of income is the production of thermal energy. We review new sources of heat as well as reconstructions of existing heat infrastructures (PPP projects included).

For thermal power projects follow basic types of financing are being used

  • long-term investment loan for the construction, refinancing of own sources (5-15 years)
  • over-draft facility for VAT financing (1 year)
  • over-draft facility for the operation of the project (purchase of raw materials and operating costs)
  • pre-financing of EU funds (if applicable)

We provide advisory and financial intermediation for the following types of projects with follow type of raw material

  • biomass
  • Geothermal energy
  • projects using waste heat (greenhouses, Pellet – dendro and agro pellets)