Development Finance
Financing for land acquisition, construction, redevelopment, conversion and phased development projects.
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REAL ESTATE FINANCE NETHERLANDS
Real Estate Finance in the Netherlands
Independent real estate finance advisory for investors, developers and sponsors seeking development finance, bridge finance, investment debt and structured capital in the Netherlands.
Financing Landscape
Structuring Dutch real estate finance around the transaction
The Dutch real estate finance market combines domestic banks, specialist property lenders, debt funds, private credit providers and alternative capital. The right route depends on the asset, business plan, leverage, timing and exit strategy.
Investment assets with stable rental income are typically assessed differently from development, transformation or bridge situations. Development transactions add construction risk, permits, cost monitoring, sponsor equity and projected exit values to the underwriting process.
KSCG acts as an independent advisor. We analyse the financing requirement, structure the capital approach and identify lenders and capital providers whose mandate fits the transaction.
Financing Requirements
Real estate financing situations in the Netherlands
Bridge Finance
Short- to medium-term capital for acquisitions, refinancing, repositioning and time-sensitive transactions.
Investment Finance
Senior and structured debt for income-producing residential, commercial and mixed-use investment assets.
Portfolio Finance
Financing and refinancing of professional property portfolios, including multi-asset structures.
Structured Capital
Stretch senior, subordinated debt, preferred equity and other capital solutions where conventional senior debt is not sufficient.
Restructuring & Exit
Refinancing and transitional capital ahead of sale, stabilisation or a longer-term financing solution.
Underwriting
What lenders typically assess
Asset & Location
Asset quality, marketability, location, use and liquidity of the underlying real estate.
Leverage
Loan-to-value, loan-to-cost and the amount of sponsor equity committed to the transaction.
Cash Flow
Rental income, debt service capacity, ICR or DSCR and resilience under different interest-rate scenarios.
Sponsor
Track record, financial capacity, experience with the asset class and execution capability.
Planning & Capex
Permits, construction budget, contingencies, contractor structure and timing where development or refurbishment is involved.
Exit
Repayment through sale, stabilised investment finance, portfolio refinancing or another clearly defined exit.
Capital Sources
Accessing the appropriate lender universe
A Dutch real estate transaction may fit more than one type of capital provider. KSCG compares the structure and execution requirements before approaching the market.
KSCG Approach
From financing strategy to execution
We start with the transaction rather than a predefined product. The asset, sponsor, business plan, leverage, timing and exit determine which financing structure is credible.
KSCG prepares the financing approach, identifies suitable capital providers, coordinates lender engagement, compares proposals and supports negotiation, due diligence and documentation through closing.
Related Services
Explore our real estate finance solutions
Discuss a real estate financing in the Netherlands
Speak with KSCG about lender appetite, financing structure, leverage and execution for a Dutch real estate transaction.
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