Structure
Capital Sizing & Structure
The right mix of equity and debt, repayment terms, coverage ratios and the real borrowing capacity of the project or family.
Financing
Financing
Capital structuring and coordination with banking and institutional partners.
Our framingA stronger decision starts before the answer.
What we frame
A stronger decision starts before the answer.
We define the capital need, organise the information and prepare the application. As a registered credit intermediary, we follow the request with lenders, from submission to signing.
- Definição da necessidade de capital
- Organização de informação e documentação
- Coordenação com bancos e intermediários autorizados
What we do
Scope of work and support
File
Credit File & Projections
A file with business plan, financial ratios, projected cash flows and collateral map, ready for risk assessment.
Lenders
Intermediation & Bank Relations
Submitting and following the application with banks and lenders, as a registered credit intermediary.
Terms
Comparing Terms, Rates & Collateral
A side-by-side reading of the offers received: spreads, fees, grace periods and use of collateral.
Mortgage
Mortgages & International Clients
Preparing mortgage applications for residents and non-residents, including documentation of income earned outside Portugal.
Project
Project & Development Finance
Reading financing together with the asset and the project: construction phasing, tranches, collateral and drawdown schedule.
Incentives
Grants & Investment Incentives
Identifying support schemes and incentives that apply to the project and coordinating the application with specialist consultants.
Follow-up
Deadlines & Requests
Managing the process calendar, answering requests for additional information and preparing the signing with the lender.
How we work
From request to signing.
- 01
Frame
Map the amount needed, terms, collateral and debt service capacity.
- 02
Analyse
Build the financial model, cash projections and rate sensitivity.
- 03
Submit
Submit the application to lenders and follow the risk assessment.
- 04
Follow through
Compare the offers received, follow the approval and prepare the signing.
Who it is for
For projects that need capital.
- Developers and investors with renovation, construction or property acquisition projects.
- Companies looking to improve their debt structure or finance an expansion.
- Individuals and families who need a mortgage or structured credit.
- International buyers who need a mortgage in Portugal.
- Companies planning to apply for grants or incentives for a project.
Clarity & Method
Frequently asked questions
Is RMC Hub a credit intermediary?
Yes. RMC Hub is registered with Banco de Portugal as a credit intermediary [category and registration no. to be provided]. The registration can be checked in the list of credit intermediaries published by Banco de Portugal.
What types of financing do you support?
Mortgages, development and construction finance, business financing for expansion and restructuring of bank debt.
Why prepare the file before approaching banks?
A complete file reduces repeated requests for clarification, speeds up risk assessment and lets you compare and negotiate terms with better information.
Can foreigners or non-residents get a mortgage in Portugal?
In many cases, yes, depending on the lender, the origin and proof of income and the deposit available. We help prepare the documentation and follow the process with lenders.
Are there regional grants or incentives for my project?
It depends on the type of project, the sector and the location. We take a first look at the available schemes and, where there is a fit, coordinate the application with specialist consultants. Awards always depend on the managing authority.
Is credit approval guaranteed?
No. The credit decision always belongs to the lender. Our role is to prepare and submit the application as completely as possible and follow every step.
Which documents are usually needed?
Identification, proof of income, tax returns, credit liability statement and, depending on the case, documents for the property or project. In the first conversation we give you a list tailored to your situation.
Regulatory disclosure note: RMC Hub is a credit intermediary registered with Banco de Portugal [category and registration no. to be provided]. The decision to grant credit rests solely with the lenders; no approval, rate or condition is guaranteed. The information presented is not a contractual offer. Legal and tax advice is provided by qualified professionals.