Onate Finance Lending Ltd

ONATE Finance Lending Limited is a specialist property‑backed bridging lender operating out of Ireland and Spain. By keeping all decision‑making in‑house and leveraging strong capital backing—including senior lines from Citi and Triple Point and a €100 million bond programme listed on the Vienna Stock Exchange—the firm can move from application to funding in as little as five days, with most transactions closing within two to three weeks.

The company focuses on short‑term, interest‑only loans of €250 k to €4 million (larger amounts considered) secured by a first‑charge mortgage on residential, mixed‑use or commercial assets. Loans are offered at up to 75 % loan‑to‑value in prime locations, for terms of up to 24 months and can be repaid early without penalty after 90 days. Borrowers must be corporate vehicles, and the firm is comfortable lending to newly incorporated companies or to properties held outside the special‑purpose vehicle.

ONATE’s nimble, technology‑driven approach is designed for investors, developers and business owners who need rapid, flexible finance to seize time‑sensitive opportunities—whether it’s a property auction purchase, equity release, debt settlement or refurbishment of a pre‑1930s building. Their experienced team combines deep lending expertise with an entrepreneurial mindset, ensuring deals are completed quickly and with certainty.