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Commercial Real Estate Financing

Specialised lending for acquisition or development of real estate, where the debt service depends exclusively on cash flows generated by the project, and project itself serves for collateral on linked credit exposures.

Loans are structured depending on Project specifics – purpose, cash flow projections, loan term, development, sales or rent strategies.

Source of repayment may be the following:

  • Sales of real estate


  • Renting (lease) of real estate

The project is usually developed through a separate legal entity (project company) with special investment purpose.

Commercial Real Estate Financing


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  • Flexibility Ring-fencing of the risks to the project company and the respective project. The loan is tailored as per the project’s specifics.

Whom is it Suitable for?

  • Domestic and international commercial enterprises

  • Generally, the Borrower is commercial entity, established with purpose construction or renting of the real estate, under development, where substantial part of generated cash flows results from lease payments or sales of the real estate, financed by the Bank.


Mortgages/pledges on the key project assets, enterprise pledge, pledge on receivables from rentals/sales, pledge on shares in Project Company (the SPV) and receivables assignments of the rights arising from the most important project and insurance contracts, pledge of the key project accounts – 1st lien priority is required.

Market appraisal of security items is updated annually.
Insurances should be valid for the loan term.

Market Appraisal: List of eligible external evaluators of loan collateral.

Insurance: To receive an individual insurance offer for your business needs, please contact UniCredit Insurance broker.

Frequently Asked Questions

The market appraisal should be  renewed every year. The insurance must be maintained valid for the entire loan period.

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