Verde Insights

Development finance, explained.

Educational resources on financing Portuguese residential development — the stages, the security, the exits and the market. Written by the Verde Capital credit team and clearly separated from our commercial services.

Architect's desk with rolled drawings, a notebook and reading glasses overlooking the terracotta rooftops of Lisbon at sunrise

Featured guide

The Complete Guide to Real Estate Development Finance in Portugal

How development finance works in Portugal — the stages from land acquisition to construction readiness, the security and underwriting behind it, the exits that repay it, and the risks that come with it. Written for developers, investors, advisers and journalists.

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How to Finance Land Acquisition Before Planning Permission in Portugal

You have identified a site — maybe even one under offer — but the licence is months away and the bank wants milestones you cannot reach without owning the land. Here are the realistic ways to fund the purchase, what lenders look at, and what to prepare.

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Bridge Loans vs Bank Construction Loans in Portugal

Both are secured property lending — but they exist at different moments of a project, price risk differently, and answer different questions. Here is how they compare, and where each belongs.

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Why Portuguese Banks Often Finance Development Later

It is the most common frustration in Portuguese development: the bank will discuss construction finance, but only once the licence is approved and the pre-sales are flowing. Here is why that line exists — and what fills the space before it.

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Planned topics

What senior-secured lending means
How loan-to-value ratios work in development finance
How lenders assess land with development potential
Common reasons development finance applications are declined
How to prepare a development finance application
What documents lenders require
The role of independent valuations
How real estate private credit works

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Miguel is happy to walk you through it

As one of the investment analysts at Verde Capital, I read every enquiry personally. If you are weighing up land, licensing or pre-construction costs — or you have been turned down elsewhere — tell me about the project and I will give you a straight answer on what we can do.

No slides, no pressure. A short call, your numbers on the table, and an honest view on whether Verde is the right fit. If we are, you will have indicative terms within days.

Miguel

Investment Analyst

Book a meeting with Miguel Or call: +351 911 705 084