Refinance your property company: reinvest without selling anything
SCI, SARL or holding company: your company owns properties that are paid off, or nearly. That value can finance your next purchase, your works or upstream funds, without selling anything. Hyppo, as a broker, seeks the financing for your company.
A personal reply from an adviser
- SCI, SARL or holding company, under income tax or corporation tax
- Amortising or interest-only
- From €100,000 to €20M
Your family holding company owns buildings, flats or premises that are wholly or partly paid off. That value is sitting idle. Refinancing turns it into cash, without selling anything.
Hyppo is a broker: it does not lend. It builds the company's file with you and compares offers among more than 65 partner banks. For a first purchase or works through an SCI, see also our page SCI property loan.
For which projects?
Buy a new building or new units.
Renovate the existing portfolio to let it better.
Upstream funds to the holding company or repay a shareholder current account.
Restructure an existing debt, bought out by the new loan.
As a guide: residential, commercial or office property, and financing from €100,000 to €20M. For rental property, financing can go up to 110%, depending on the file. Each file is assessed case by case.
Examples of refinancing
Buying a new building
Your property company borrows against its paid-off assets to finance the next acquisition.
Renovating the portfolio
Energy renovation, refurbishing units: the refinancing pays for the works, and the properties let better.
Upstreaming funds to the holding company
Your SCI borrows against its assets and repays the holding company's current account, which reinvests.
What Hyppo does for you
- 01
A company file built with you: articles of association, accounts, leases, assets.
- 02
A structure proposed for your case: amortising or interest-only, mortgage, pledge of shares or trust.
- 03
Several offers compared for you, with no investment or account transfer required in return.
- 04
A single point of contact through to signing at the notary's and release of funds.
How it works
A first conversation about your company, its assets and the project to finance.
You send the articles of association, Kbis extract, financial statements, leases, title deeds and use of funds.
The assets are valued, and you receive the offers, compared for you.
You sign at the notary's, and the company receives the funds.
Why go through Hyppo for your property company?
A company file built with you
Articles of association, financial statements, leases, assets: you know what to provide, and your company is presented the way a lender looks at it.
All guarantees
Mortgage, pledge of shares or trust: the structure adapts to the assets and the amount, up to €20M.
Nothing required in return
No investment or account transfer is required in return for the loan.
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.
Amortising or interest-only: which to choose?
With an amortising loan, the company repays part of the capital and the interest each month. With an interest-only loan, it pays only the interest and repays the capital in one go at the end, for example from the sale of a property. Interest-only preserves cash but costs more interest over the term.
Do the properties have to be unencumbered?
No. An existing loan on a property is bought out by the new loan. The company then has what is left once that loan is paid off.
What guarantees are required?
Most often a mortgage on the refinanced properties. Depending on the file, it may also be a pledge of company shares or a trust, and sometimes personal guarantees from the partners. No investment or account transfer is required in return.
How much does Hyppo's support cost?
Hyppo's fees range from 1% to 6% of the amount financed and are due only after the funds are released. Arrangement fees and the valuation of the properties remain at the company's expense. Proof of the use of funds is required.
