Financing solutions tailored to individuals, the self-employed and businesses
We help individuals, the self-employed and businesses find the best financing solutions for their personal, professional and business needs.
We look at every transaction individually, study the client’s economic and financial position and compare options from different lenders, with the aim of securing competitive terms tailored to each project. We work with every bank operating in Spain.
Our service covers the whole process: from the initial feasibility analysis and preparing the paperwork to negotiating with lenders and supporting you through to completion.
Mortgage financing
- Mortgages to buy a main home or a second residence.
- Financing for property investment and for buying properties to let.
- Mortgages for the self-employed, companies and property holding companies.
- Mortgage transfers, renegotiation and improved mortgage terms.
- Mortgage refinancing and further advances.
Personal and business loans
- Personal loans and consumer finance.
- Loans for the self-employed and professionals.
- Financing for investment, growth and business expansion.
- Loans to buy machinery, equipment and facilities.
- Financing to acquire businesses and companies.
Working capital and cash flow
- Credit facilities and credit accounts.
- Financing lines for liquidity needs.
- Invoice advances, factoring and confirming (reverse factoring).
- Bill discounting and receivables financing.
- Renewal and extension of existing credit lines.
International trade
- Import and export financing lines.
- Letters of credit and financing for international transactions.
- Financing for purchases from foreign suppliers.
- Domestic and international bank guarantees.
- Financing solutions for businesses that trade internationally.
Specialised business finance
- Leasing and renting of vehicles, machinery and equipment.
- Bank guarantees and guarantee lines.
- Financing for property projects and developments.
- Financing for acquisitions and corporate transactions.
- Debt restructuring, consolidation and refinancing.
Your financing, backed by a specialist adviser with more than 15 years' experience
We know that raising finance is not just about getting a loan: it is about finding the right financial structure to develop projects, improve liquidity and keep your finances on a sustainable footing.
At Sergom Consultors we combine our experience in financial, tax and business advice to give an overall view of every transaction, and we help our clients make decisions with greater certainty and confidence.
We study your project and help you find the financing you need. Get in touch and we will analyse the financing options available for your situation.
End-to-end advice throughout the process
Needs analysis
We study the client’s economic, asset and financial position, as well as their goals and financing needs.
Feasibility study
We analyse borrowing capacity, the collateral available and the most suitable financial structure.
Finding finance
We identify options and present each transaction to lenders according to the characteristics of the project.
Negotiating terms
We work to secure competitive terms on interest rates, repayment periods, fees, collateral and every other aspect of the transaction.
Through to completion
We coordinate the paperwork and follow the transaction through to approval and, where applicable, completion.