Home equity for companies

What it is

With the property under a fiduciary lien, the company reaches the lowest rate on the table for a business, with terms of up to 15 or 20 years. It is the largest deal I structure.

The property stays in use and in your name for the whole contract. The fiduciary lien is collateral, not a sale.

When it makes sense

• There is expensive debt to swap for long, cheap debt
• Expansion requires an amount working capital cannot cover
• There is a property owned by the company or a partner, or a paid-off warehouse sitting idle as an asset

How it works

• Property appraisalI check the title record (matrícula), its standing and its market value.
• StructuringI set the amount, the term and the institution with the best appetite.
• Review and appraisal reportInspection, appraisal report and credit approval.
• Registry and releaseRegistration of the lien and release of the funds.

What you will need

• Up-to-date property title record (matrícula)
• IPTU (municipal property tax) and proof of payment
• Company revenue and balance sheet
• Partners' personal documents

The list can change with the institution and the size of the deal. I confirm what is actually required before you gather a single document.