Pre-opening | SEGO Real Estate finances the acquisition and completion of a single-family home in Paterna (Valencia) through a €450,000 loan

24/06/2026 – ⏱ 3 min

This article is for informational purposes only and does not, under any circumstances, constitute investment advice or a recommendation.

The crowdfunding platform SEGO Real Estate is preparing an investment opportunity in La Cañada - Paterna (Valencia). The operation consists of granting a loan secured by a pledge over 67% of the shares of the developer company, intended to finance the acquisition and construction completion of a single-family home. The project is promoted by AEGIS PROPERTY MANAGEMENT S.L. Investors should keep in mind that any expected return is inseparable from the corresponding risk, which is described below.

The target funding amounts to €450,000, with a 12-month term from the loan drawdown. The operation offers a 12% annual return, equivalent to a 12% total return on the invested capital; this estimate is subject to investment risk and is not guaranteed. The repayment of capital and interest is made in a single payment at maturity, and the default interest rate is set at 16%.

Asset Description, Construction Progress and Exit Strategy

The asset is a single-family home under construction located in La Cañada - Paterna, a municipality in the Valencia metropolitan area. The operation does not start from an initial development phase, but from an asset with prior construction progress. The completion will be carried out by Passvaltec — Fidelitas Neoconstrucción under the Passivhaus construction system, with BIM methodology and BREEAM certification, and will incorporate finishes from brands such as Schüco for exterior carpentry, Vaillant for aerothermal systems and ventilation, Porcelanosa for cladding and ABB for home automation. The planned schedule is structured in two stages within the 12-month term: the execution of the main construction works between months 1 and 4, and the marketing of the property between months 4 and 12, with customization of finishes chosen by the buyer once the sale is formalized.

The total cost of the works amounts to €650,000; the difference relative to the portion of the financing allocated to works is covered by the developer through its own funds. The estimated sale price of the completed asset is approximately €950,000. The repayment of the loan is expected through the sale of the residential asset once construction is completed.

Financial Structure, Collateral and Risks

The main collateral of the operation is the pledge of 67% of the shares of the developer company, which aligns the developer's interests with those of the investors and establishes mechanisms for action in the event of an adverse scenario. The developer's equity contribution covers most of the construction cost.

Among the risks identified in the opportunity's documentation are project risk (legal aspects of the transaction and licenses, as well as adverse scenarios such as rising construction costs or a fall in the sale price), sector risk linked to the evolution of the real estate market, developer default risk, the risk that returns may be lower or delayed, platform failure risk, the illiquidity risk of the investment and the risk of a possible drop in prices. Investors should consider all of these before making a decision.

In compliance with the European Crowdfunding Regulation (EU) 2020/1503, it is recalled that non-experienced investors have a four-calendar-day reflection period during which they may revoke their investment offer at no cost and without justification. It is also warned that this is a participatory financing product —not a deposit or a guaranteed savings product— and that real estate investments carry risks of illiquidity and partial or total loss of principal; this vehicle is not supervised by the CNMV or the Bank of Spain, and lacks the coverage of the deposit guarantee fund or the investor compensation scheme.

Realty Investor

Our calendar brings together crowdfunding opportunities from across Europe in one place, so you can plan and follow each issue.

Realty Investor

Your real estate crowdfunding, in one app.

Discover new opportunities. Invest through leading platforms. Manage your whole property portfolio from a single place.

The Realty Investor beta is now available. Explore the market, discover new projects and get to know the platform with simulated money, without putting in any capital.

Download the beta and start discovering a new way to manage your real estate investments.