Property dealer financing: purchase, works and resale
Short-term loans repaid on resale, guarantees, deposit, reduced transfer duties and VAT: how a buy-to-sell operation is financed, and where private debt fits in.
A personal reply from an adviser
- Acquisition, works and carrying the operation
- Specialist banks, property companies and debt funds
- Loans repaid as units are resold
Buy, renovate, resell: Hyppo seeks financing for your property dealer operations from specialist banks, property companies and debt funds, and follows it through to the last resale.
Who is it for?
Buy-to-sell companies and professionals who have already completed operations.
Buildings, units or properties to renovate bought for resale.
As a guide, Hyppo supports needs of more than €1 million, with usable financial statements, strong guarantees and a complete operation file.
Examples of operations
Buying a building to resell in units
Buying a whole building, dividing it into units, then reselling flat by flat: the loan is repaid as sales go through.
Renovating before reselling
Buying a property to renovate, carrying out works, then reselling: the facility covers the acquisition and the works.
Carrying a longer operation
When resale takes time, Hyppo also looks to property companies and debt funds.
What Hyppo does for you
- 01
Preparing the operation file: purchase price, works, resale price, margin, timetable.
- 02
Proposing a structure: senior debt, mezzanine, term, guarantees.
- 03
Presenting to lenders suited to the operation.
- 04
Follow-up through to completion, then at each resale.
How it works
A preliminary review of the operation.
The file: articles of association, financial statements, past operations, sale agreement, quotes.
Searching for lenders and a financing proposal.
Signing at the notary's, then repayment as units are resold.
Why go through Hyppo for your operations?
Lenders who finance buy-to-sell
Not all lenders finance property dealers: Hyppo presents the file to those that do.
An operation file
Purchase price, works budget, resale schedule and timetable: the file reads like an operation, not a standard property loan.
Beyond banks
Depending on the amount and term, the search extends to specialist banks, property companies and debt funds.
A registered broker
Hyppo (REFI Technologies) is registered with ORIAS under number 23005573 as an intermediary in banking operations and payment services.
Frequently asked questions
Another question about your situation? A Hyppo adviser will answer.
What deposit is needed for property dealer financing?
No law sets a minimum deposit: each lender decides based on the margin, the borrower's experience and the property. The deposit generally covers at least the acquisition costs and part of the price or works. Financing presented as "no deposit" in practice relies on more expensive debt or on guarantees taken over other assets.
How long does a property dealer loan last?
The length of the operation: purchase, works, resale. Repayment is often interest-only, as sales go through. The resale commitment under article 1115 of the French General Tax Code sets a five-year tax limit, reduced to two years for certain unit sales: the loan is set below that, with a safety margin.
Why use a broker to finance a property dealer operation?
Because not all lenders finance buy-to-sell, and those that do read an operation file, not just a balance sheet. A broker registered with ORIAS presents the file to several banks or funds and compares the structures offered. It does not lend and cannot guarantee any approval.
