Capital for your project — from a network, not from one bank.
Developers, project developers and investors rarely fail on the project — they fail on a single bank’s grid. I structure your commercial property finance bank-independently and approach in parallel the houses that actually lend: banks, debt funds and private capital providers. From the senior loan to a coordinated mezzanine component — from a single source, under §34c GewO.
What you’re in the right place for
Every project has its own financing question — and its own capital provider. Choose your area; each page is tailored to exactly that situation.
Developer & project finance
From land purchase to completion: senior finance for residential and commercial projects — even where the house bank shies away from the risk.
View page → ⏱️ Liquidity & speedInterim & bridge finance
When capital has to be there fast: short-term liquidity against sound security, with a clear repayment route instead of a bank process running for months.
View page → 🏢 Acquisition & portfolioAcquisition & portfolio finance
For investors and portfolio holders: acquisition of single properties or whole portfolios, refinancing and releasing capital from the holding.
View page → 🔁 ProlongationCommercial follow-up finance
Is the fixed-rate period ending or a loan falling due? I review prolongation, refinancing and top-ups — in good time and bank-independently.
View page → 📐 Capital structureMezzanine & equity
When equity runs short: subordinated components that banks count as economic equity — coordinated via licensed partners.
View page → 💼 InvestmentTax-optimised investment property
Listed-building depreciation, §7b new builds and investment property for private clients are handled by our sister company AUP Finanzservice. Straight there.
To AUP (DE) →When the bank says no, the project isn’t over
A rejection is almost never a verdict on your project. It is a verdict on the fit between your plan and the risk grid of that one particular bank. Branch banks work with standardised parameters: equity ratio, pre-letting, pre-sale, track record. Anyone who deviates on even one point fails — regardless of how sound the calculation is.
I think about financing from the other side: instead of forcing your project into one bank’s corset, I look for the capital providers whose corset fits your project. Banks with scope, specialist financiers, debt funds and private capital providers have different preferences — and exactly those differences are your lever.
The capital structure — and where I come in
A project financing is rarely a single loan. It is a stack of several components that are secured differently, cost different amounts and are regulated differently. It is important to know who may broker which component:
| Component | Role | Cost (tendency) | Who brokers |
|---|---|---|---|
| Senior loan (bank / debt fund) | largest, first-ranking secured part | low | me, under §34c |
| Interim / bridge finance | short-term liquidity as a loan | medium to high | me, under §34c |
| Mezzanine / subordinated capital | closes the equity gap | high | licensed partners (§34f / KWG) |
| Equity / joint venture | entrepreneurial risk, first-loss position | most expensive | licensed partners |
I structure the overall picture and broker the loan side myself. The subordinated and equity-like part I tie in via specialist partners who hold the authorisation under §34f GewO or the KWG for it. So you get the complete structure coordinated from a single source — cleanly within the bounds of the respective authorisations.
Why not simply one of the big names?
The well-known addresses in real-estate debt advisory are strong — but geared to institutional tickets: listed companies, funds, transactions beyond double-digit millions. Exactly where the mid-sized developer, the private project developer and the investor with one or a handful of properties sits, you fall through this grid — too small for the one, too special for the house bank.
This gap is my home. You don’t get a sales apparatus, but a personal contact who understands your project, knows the right capital providers and accompanies the process through to payout. No call centre, no passing on — one hand from the first conversation to the notary appointment.
Frequently asked questions
Who is the commercial finance intended for — private individuals too?
What does your advice cost me?
Do you finance even when my house bank has declined?
Do you broker mezzanine and subordinated capital yourself?
How fast can a bridge financing be arranged?
Project finance checklist — documents & metrics
What banks, debt funds and private capital providers want to see — compact, ready to tick off, before you submit your plan. As of 2026, sent straight by email.
What you get:
- Documents on the plan · project, building rights, calculation, exit
- Documents on person & company · track record, equity, credit standing
- The metrics that count · LTC, LTV, equity ratio, pre-sale, margin
- Security & structure · senior to mezzanine, cleanly classified
Related commercial financing
Acquire, hold, refinance — with the right capital.
Commercial finance.
View page → CommercialFrom the plot to completion — financed.
Commercial finance.
View page → CommercialBefore the fixed-rate period ends, your lever is at its greatest.
Commercial finance.
View page → CommercialWhen equity runs short — the subordinated component.
Commercial finance.
View page → CommercialWhen capital has to be there in days, not weeks.
Commercial finance.
View page →Present your project to me — without obligation
Message me on WhatsApp or book a 30-minute call. The first check of your plan is free.