TQ Eurocredit

What TQ Eurocredit does

TQ Eurocredit is a privately held Spanish alternative-financing company (legal entity TQ EUROCREDIT-BCN, S.L.) founded in 2006 and headquartered in Barcelona, operating as a specialized debt fund that provides mortgage-backed bridge loans, development loans, and bespoke financing for complex situations to businesses that cannot or do not wish to use traditional bank credit. Its three core products are Préstamo Puente (short-term bridge loans of €100K–€10M+ with analysis in under 48 hours and disbursement within one week), Préstamo Promotor (developer loans for residential, commercial, and hotel projects with milestone-tied disbursement), and Special Situations (debt restructuring, pre-insolvency, and multi-party negotiations). All products share a maximum 45% LTV structure and bullet-payment schedules with periodic interest, and are distributed exclusively through Spain's six physical offices (Girona, Barcelona, Madrid, Palma de Mallorca, Málaga, Valencia) plus a partner/intermediary referral network.

The company monetizes through two streams: (1) interest income on its directly originated mortgage-backed loan portfolio, expected to reach €420M by end-2025, and (2) management and fund fees on regulated vehicles, including a €200M alternative-financing vehicle co-managed with Alpha Wave Private Credit and the CNMV-approved ANTA TQ Real Estate Debt FIL. Marketing combines HubSpot-tracked content and SEO with heavy participation in Spanish real-estate and finance forums (SIMA, elEconomista, EL PAÍS 360°, Landowners & Developers Forum, APD). Technology stack is intentionally lean — HubSpot CRM and Cloudflare delivery/security — with no disclosed AI/ML automation in underwriting or servicing; the firm's documented speed advantage rests on a manual risk-committee and formalization workflow.

TQ Eurocredit sits inside the broader TQ Alternative holding, which also encompasses TQ InvestPro (real estate), TQ Acquisitions (advisory), and TQ Venture Capital (growth-stage investments, exemplified by the July 2026 participation in Kintai's Series A). Ownership is private and not publicly disclosed; no parent company or institutional control stake is identified. The firm employs roughly 11–50 people across the six offices, with a multidisciplinary leadership team spanning CEO (Antoni Quintana), CFO, CCO, CIO, CMO, and dedicated heads of risk, legal, compliance, and portfolio management.

Name

TQ Eurocredit

Legal name

TQ EUROCREDIT-BCN, S.L.

Website

https://tqeurocredit.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

TQ Eurocredit is a Barcelona-headquartered Spanish alternative-financing fund (founded 2006) that originates mortgage-backed bridge loans, developer loans, and special-situations financing for businesses across Spain through a six-office national network and a partner/intermediary channel.

Ownership category

akta.pro rank

Product category

Alternative Commercial Lending

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Private Credit / Direct Lending (FSAAAHAG)

akta.pro secondary industries

Infrastructure & Project Finance Private Debt (FSANADAH), Middle-Market Lending (FSANADAI), Private Credit — Infrastructure Debt & Project Finance (FSAHAJAJ)

Keywords

• Alternative financing services
• Bridge loan lending
• Real estate development financing
• Mortgage-backed lending
• Private debt fund

Headquarters

HQ city

Girona

HQ country

Spain

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Interest income on mortgage-backed loans: TQ Eurocredit provides short-to-medium-term alternative financing (6-36 months) to businesses backed by real estate collateral. Revenue is generated through interest payments on the loan portfolio. The company structures bullet payment schedules with periodic interest, and mandatory insurance on guarantees. Maximum LTV of 45%, loan amounts from €100,000 to €10M+.
2. Asset management and fund administration: TQ Eurocredit manages an alternative financing vehicle alongside Alpha Wave Private Credit (expanded to €200M), and has launched ANTA TQ Real Estate Debt FIL, a CNMV-approved fund for real estate development financing. The company earns management fees on assets under management.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

TQ Eurocredit is a privately held debt fund specializing in alternative financing for companies, offering short-to-medium-term mortgage-backed loans ranging from €100,000 to €10M+ with terms of 6-36 months. Its portfolio consists of three core products: Préstamo Puente (Bridge Loan) for urgent liquidity needs with analysis in under 48 hours, Préstamo Promotor (Development Loan) for real estate projects with flexible disbursement tied to construction milestones, and Special Situations for complex, multi-party financial operations requiring bespoke structuring.

Product overview

TQ Eurocredit is a debt fund specialized in alternative financing for companies, offering tailor-made solutions that complement traditional bank financing. The product portfolio consists of three core offerings: Préstamo Puente (Bridge Loan) for short-term liquidity needs, Préstamo Promotor (Development Loan) for real estate development projects, and Special Situations for complex operations requiring customized negotiation. All products are backed by mortgage guarantees and are designed to provide flexibility, agility, and strategic financing options for businesses that cannot access or need to supplement traditional financing.

Differentiator

Problem solved

Functional benefit

Products and services

• Préstamo Puente (Bridge Loan) Short-term bridge loans designed for companies to cover temporary liquidity needs with mortgage-backed guarantees. Provides immediate access to funds for urgent needs, flexible solutions adapted to each operation, and strategic options without compromising company assets. Loan amounts range from €100,000 to €10M+ with terms up to 36 months, analysis in under 48 hours and disbursement within one week.
• Préstamo Promotor (Development Loan) Financing solution designed to support the development of residential, commercial, and hotel real estate projects in all stages. Backed by mortgage guarantees with flexible disbursements adapted to project progress and compatibility with other financing sources. Maximum LTV of 45%.
• Special Situations Financing for complex financial operations requiring creative and personalized solutions. Addresses situations of high financial, legal, and fiscal complexity including debt restructuring, creditor negotiations, pre-insolvency scenarios, and non-traditional credit operations involving multiple parties.
• ANTA TQ Real Estate Debt FIL CNMV-approved alternative investment fund for real estate debt, designed to channel capital into Spanish real estate development financing. Managed by TQ Eurocredit to expand the capacity for development loans.

Quantifiable outcome

• Over €900 million managed in alternative financing operations since 2006
• +4 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered supporting.

• CuatrecasassupportingImplementation/ SI/ Consulting Partner · 28 November 2025Cuatrecasas served as legal advisor to TQ Eurocredit on the expansion of the alternative financing vehicle with Alpha Wave, from €84M to €200M. The law firm provided legal counsel for structuring the expanded vehicle.
• Uría MenéndezsupportingImplementation/ SI/ Consulting Partner · 28 November 2025Uría Menéndez provided legal and operational support for the expansion of the alternative financing vehicle alongside Cuatrecasas and Palmer.
• PalmersupportingImplementation/ SI/ Consulting Partner · 28 November 2025Palmer provided legal and operational support for the expansion of the alternative financing vehicle alongside Cuatrecasas and Uría Menéndez.
• Euroval, Gesvalt, Tinsa, Valum, TecnicasasupportingOthersTQ Eurocredit works with five certified/approved property appraisal firms: Euroval, Gesvalt, Tinsa, Valum, and Tecnicasa. These tasadoras (appraisers) provide independent property valuations required for loan-to-value calculations in financing operations.

Scale indicators12 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Urbanitae: Spanish real estate investment platform providing bridge and development financing. Directly comparable in product (mortgage-backed short-term loans) and geography (Spain), though with a more retail-investor oriented capital stack.
• Best2Invest: Spanish real estate investment platform originating and distributing mortgage-backed loans to retail investors. Comparable for its Spain-focused real estate lending model, with overlap in the alternative financing distribution model.
• Aiqon Capital: Madrid-based alternative credit manager specializing in real estate-backed loans and special situations in Spain. Highly comparable given its parallel focus on mortgage-backed bridge lending to developers and SMEs in the Iberian market.
• Housers: Spanish real estate crowdfunding and direct lending platform originating mortgage-backed loans to developers and property investors. Comparable for its Spain-focused alternative financing model, though distributes via retail investors rather than institutional LPs.
• Hipoges: Spanish-headquartered alternative credit and asset management platform focused on real estate-backed NPLs and special situations. Directly comparable as a Spanish alternative financing platform serving the same developer and special situations segments.

Emerging players

• Kintai: Barcelona-based fintech offering alternative financing for SMEs. Comparable as a Spanish alternative credit player in a similar market; TQ has even participated as an investor in Kintai's €10M Series A, signaling ecosystem overlap.
• Inbestme: Spanish fintech offering alternative investment and credit products, including real estate-backed vehicles. Comparable as a Spanish alternative finance player using digital distribution to source institutional and retail capital.

Others

• Alpha Wave Private Credit: TQ Eurocredit's primary institutional capital partner in the €200M joint financing vehicle. Relevant as a capital ecosystem peer and potential source of additional LP relationships for Spanish private credit deals.
• Cuatrecasas: Iberian law firm that acted as legal advisor on TQ's Alpha Wave vehicle expansion. Ecosystem-relevant as a top-tier advisor in Spanish structured finance and real estate transactions.

Broad incumbents

• Casavo: Italy-founded European proptech offering instant buying and alternative seller financing. Comparable as a tech-enabled alternative real estate financing provider, though operating at larger scale and across multiple European markets rather than Spain-only.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/tq-eurocredit

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TQ Eurocredit