Key advantages of the project
- Experienced developer: The project owner has completed more than 3,000 m² of real estate projects and is investing EUR 380,000 of own funds at the beginning of this project.
- Clear planning: The building permit is expected to be obtained by January 2026. One villa already has a potential buyer.
- Attractive location: The project will consist of five exclusive modern villas (total area – 892 m²) with private pools, located in the La Cañada district – a prestigious and rapidly growing residential area of Valencia, ensuring high demand and investment liquidity.
Interest rates by investment amount:
– From EUR 100 to EUR 299 – 7.80%
– From EUR 300 to EUR 699 – 8.05%
– From EUR 700 to EUR 2 499 – 8.30%
– From EUR 2 500 to EUR 7 499 – 8.55%
– From EUR 7 500 to EUR 24 999 – 8.80%
– From 25 000 EUR to 74 999 EUR – 9.05%
– From 75 000 EUR – 9.40%
Important: separate investments are not combined and cannot be merged.
About the Project:
The project owner – company Urbanitor S.L. – intends to implement an exclusive residential project in Valencia, in the prestigious La Cañada residential area. The project will consist of five modern villas with a total area of 892 m². Four buildings will be single-storey for maximum comfort, and one villa will feature an elegant split-level layout. Each house will have a private swimming pool and spacious leisure areas that harmoniously combine indoor and outdoor spaces.
The building permit is expected to be obtained by January 2026. Construction is scheduled to start on January 15, 2026, and completion is planned for December 2026.
The estimated total sales revenue is EUR 3,240,000, or EUR 3,898 per square meter. One villa already has a potential buyer.
Urbanitor S.L. is investing EUR 380,000 of its own funds at the beginning of the project, which represents approximately 14% of the total project budget.
Funds raised during this financing stage will be allocated to the acquisition of the land plot, while funds raised in the following stages will be directed to project development and construction works.
Loan Information:
The loan will be repaid from the proceeds of villa sales, and interest to investors will be paid from the company’s working capital.
The maximum planned project financing amount is EUR 1,800,000. The project will be financed based on the current appraised value of the pledged property until the set maximum loan-to-value (LTV) ratio is reached. Once the maximum LTV is achieved, a new property valuation will be carried out, and further financing stages will be announced and raised only if the set maximum LTV is not exceeded.
Please note that the loan amount will be disbursed after the mortgage agreement is signed and mortgage priority is granted. The preliminary date of the notary transaction is October 22, 2025. Mortgage registration may take several weeks after the disbursement of funds. Interest for investors will start to accrue from the day the mortgage deed is signed, in accordance with common Spanish market practice.
The target amount is planned to be raised within 7 days, with the possibility of extension up to 30 days if the full amount is not collected.
Early return rules
*Note: The project owner may repay part or all of the loan before the specified deadline, but the total interest paid must be at least 3 months. Except in cases where the project duration is shorter than 3 months.
Technical information
Number of assets
2
Area of object
2 873 m²
Construction started at
2026-02-01
Construction finished at
2026-12-01
Project location description
The project is being developed in the La Cañada district, located in the municipality of Paterna, near Valencia. It is one of the most prestigious and sought-after suburbs of the city, known for its peaceful environment, abundant greenery, and high quality of life. The area is characterized by modern single-family homes, well-developed infrastructure, and convenient access to the city center of Valencia. Thanks to its strong reputation and stable housing demand, this location is considered highly attractive for investment.
Securities
As a collateral measure to protect investors’ interests, two land plots with a total area of 2,873 m² located in Valencia, Spain, at CALLE 612 Nº 31 – CALLE 606 Nº 38 are pledged.
When investing in this Project, during the second and subsequent financing stages, the funds invested will be repaid to investors only after full settlement with the investors who participated in the earlier financing stages. This condition does not affect the investor’s right to priority over the collateral, nor the overall ratio between the collateral value and the total amount of investments. This condition is also not applicable in the event of termination of the Loan Agreement.
Independent appraiser
Gloval
The value of the mortgaged property without VAT
€993,624.66
| Land plot | VALENCIA CALLE 612 Nº 31 | 7496403YJ1779N0001AG | 1544 | €496,812.33 |
| Land plot | VALENCIA CALLE 606, Nº 38 | 7496407YJ1779N0001QG | 1329 | €496,812.33 |
Real estate typeAddressUnique codeReal estate plotReal estate value without VAT
| Risk category | Probability of default |
| 1 | 0.0% - 3.7% |
| 2 | 3.71% - 4.7% |
| 3 | 4.71% - 5.7% |
| 4 | 5.71% - 6.7% |
| 5 | 6.71% - 7.7% |
| 6 | 7.71% - 8.7% |
| 7 | 8.71% - 9.7% |
| 8 | 9.71% - 10.7% |
| 9 | 10.71% - 11.7% |
| 10 | 11.71% - 100.0% |
Financial information
| Amount of own funds, EUR | €380,000.00 |
| Area of property on sale, m² | 831.1 |
| Selling price, EUR/m² | €3,898.00 |
| Price of RE acquisition, EUR | €812,000.00 |
| Construction cost, EUR | €1,646,000.00 |
| Project cost (parcels of land + construction costs), EUR | €2,458,000.00 |
| Loan costs (interests + commission fee), EUR | €225,100.00 |
| Total project costs (parcels of land + construction + loan costs), EUR | €2,683,100.00 |
| Total income, EUR | €3,240,000.00 |
| Project profit, EUR | €556,900.00 |
| Additional information regarding the company's financial statements | The information is based on unaudited financial statements provided by the Project Owner. As these statements have not been reviewed by independent auditors, they should be considered less reliable. Such statements may contain inaccuracies and may not fully comply with accounting standards. |
Owner
Type
Company
Name
Urbanitor SL
Code
B75901660
Address
Av. Cortes Valencianas 26-4250, Valencia, Spain
Description
The Project Owner is Urbanitor S.L., a company engaged in the development and construction of residential and commercial real estate projects. During its operational period, Urbanitor S.L. has completed three residential and one commercial project with a total built-up area of approximately 3,000 m².
Executive
Ieva Višniauskienė
Established at
2025-02-11
Risk category
6.71% - 7.7%
