New Civislend Project in Cádiz: “Residencial Bodegas de Sanlúcar” Launches on November 6

06/11/2025 – ⏱ 2 min

This article is for informational purposes only and does not, under any circumstances, constitute investment advice or a recommendation. Cádiz, November 6, 2025 — The real estate crowdfunding platform Civislend will launch this Thursday the project “Residencial Bodegas de Sanlúcar”, a new investment opportunity aimed at financing the acquisition of a consolidated urban plot in the historic center of Sanlúcar de Barrameda (Cádiz), where a residential development of 164 multi-family homes will be built. The loan, with a 15-month duration and a nominal interest rate of 12%, is designed to finance the purchase of the company that owns the land, as well as the related acquisition and transaction costs. The developer, Transferestate S.L., with more than 10 years of experience and 28 successfully completed projects, will contribute €1.94 million to the project — representing 29% of the total funds. Key Project Details Total financing amount: €5,000,000

Type of investment: Bridge loan

Estimated total return: 15%

Nominal interest rate: 12%

Estimated duration: 15 months

Location: Sanlúcar de Barrameda (Cádiz)

Developer: Transferestate S.L.

LTV: 45%

LTC: 72%

Project Overview The loan is granted to the parent company of the development group to finance the acquisition of a firm that owns the land. As collateral, the company provides a pledge on its corporate shares, a prohibition against mortgaging the assets, and a sale mandate on the property in case of default. Furthermore, the parent company guarantees the operation with its own equity, exceeding €16 million in net assets. The site is located in the historic center of Sanlúcar de Barrameda, within a district of high architectural value where old wine cellars will be redeveloped into a modern residential complex. The project includes two- and three-bedroom units, distributed across ground floor plus two upper levels, with parking spaces and storage rooms included. The current appraised value of the land is €11.05 million, resulting in a Loan-to-Value ratio (LTV) of 45%, a conservative figure for this type of bridge financing operation. The loan allows for full or partial early repayment without penalty starting in month six, and the developer may extend the term by an additional six months at a 12% nominal interest rate. Developer and Additional Guarantees Transferestate S.L., headquartered in Madrid, has a proven track record in the Spanish real estate sector. Its solid balance sheet and extensive experience lend credibility to the operation, which is further supported by reinforced investor protections — including the share pledge, mortgage restriction, and unlimited liability from the parent company’s equity.

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