{"id":26993,"date":"2026-07-01T09:01:33","date_gmt":"2026-07-01T07:01:33","guid":{"rendered":"https:\/\/www.wecity.com\/oportunidades\/marbella-puerto-banus\/"},"modified":"2026-07-09T14:39:25","modified_gmt":"2026-07-09T12:39:25","slug":"marbella-puerto-banus","status":"publish","type":"oportunidades","link":"https:\/\/www.wecity.com\/en\/opportunities\/marbella-puerto-banus\/","title":{"rendered":"Marbella Puerto Ban\u00fas"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>wecity<\/strong> complies with the provisions of Regulation (EU) 2020\/1503 of the European Parliament and of the Council of 7 October 2020 on European providers of participative financing services for companies and Title V of Law 5\/2015 on the promotion of business financing as amended by Law 18\/2022 of 28 September on the creation and growth of companies. It is authorized by the <strong>CNMV<\/strong> as a Participatory Financing Service Provider, registered under number 9, with a favorable proposal from the <strong>Bank of Spain<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investor, before making your investment, please read the <a href=\"https:\/\/www.wecity.com\/en\/basic-information-for-the-investing-client\/\" target=\"_blank\" rel=\"noreferrer noopener\">basic information for the investor client<\/a>, as well as the <a href=\"https:\/\/www.wecity.com\/en\/basic-information-for-the-investing-client\/#periodo_reflexi%C3%B3n\">pre-contractual cooling-off period for inexperienced investors <\/a>.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Skin in the game<\/strong>:  <em>&#8220;In compliance with Article 8.2 of Regulation (EU) 2020\/1503 of the European Parliament and of the Council of October 7, 2020 on European providers of equity financing, it is hereby informed that in this opportunity <a href=\"https:\/\/www.wecity.com\/en\/team\/\" target=\"_blank\" rel=\"noreferrer noopener\">partners, managers and employees of wecity<\/a> may invest. These investments will be made under the same conditions as those of other investors without receiving preferential treatment or privileged access to information.&#8221; <\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The investment<\/h2>\n\n\n\n<div class=\"wp-block-group is-style-border-radius has-background\" style=\"background-color:#f5f7f6\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list\">\n<li><strong>Purpose of the loan:<\/strong> Acquisition.<\/li>\n\n\n\n<li><strong>Collateral:<\/strong><sup>1st <\/sup>degree mortgage.<\/li>\n\n\n\n<li><strong>Term:<\/strong> 12 months (+6 months possible extension)<\/li>\n\n\n\n<li><strong>Required compliance: <\/strong>6 months.<\/li>\n\n\n\n<li><strong>Interest rate:<\/strong> 12% per annum.<\/li>\n\n\n\n<li><strong>Estimated total return:<\/strong> 12%<\/li>\n\n\n\n<li><strong>Interest payment:<\/strong> at maturity.<\/li>\n\n\n\n<li><strong>Current Appraisal (ECO): \u20ac<\/strong>11<strong> <\/strong>,028,391.47 <strong>| LTV: <\/strong>63<strong> <\/strong>.47%<\/li>\n\n\n\n<li>Project <strong>Promoter: Two <\/strong>projects published and 100% completed on the platform within the specified timeframe<\/li>\n\n\n\n<li><strong>Rating<\/strong>: <a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\">AA<\/a><\/li>\n\n\n\n<li><strong>Aportaciones:<\/strong><ul><li><strong>Promotor:<\/strong> 6.804.209,80&nbsp;\u20ac<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li><strong>Loan from the wecity platform: <\/strong>5<strong> <\/strong>,000,000.00 \u20ac<\/li>\n\n\n\n<li><strong>Loan from external investors:<\/strong> 2,000,000.00 \u20ac<\/li>\n\n\n\n<li><strong>Total loan (wecity + external investors): <\/strong>7<strong> <\/strong>,000,000.00 \u20ac<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Minimum investment:<\/strong> 500 \u20ac<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The developer <strong>ARG Promociones,<\/strong> through its subsidiary <strong>Privilege Puerto Banus SL<\/strong> , <strong>is<\/strong> <strong>seeking financing through Wecity<\/strong> for the acquisition of <strong>three plots<\/strong> of land at 3-5 Edgar Neville Street, <strong>Puerto Ban\u00fas (Marbella)<\/strong> . Furthermore, it should be noted that the developer <strong>has already applied for financing<\/strong> through the platform.<strong> <\/strong>Several <strong>projects: M\u00e1laga Estepona and Marbella Aldea Blanca&gt;<\/strong> Both projects have been <strong>returned 100%<\/strong> and within the planned timeframe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The project involves developing a <strong>building with 34 luxury 3- and 4-bedroom homes, each with a garage<\/strong>, as well as spacious green areas featuring swimming pools, a hot tub area, coworking spaces, an outdoor gym, and relaxation areas. The development will also operate under the concept of <strong><em>branded residence<\/em><\/strong>, offering homeowners a full range of services and personalized attention 24 hours a day. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Currently, the lot is classified as developable land. <strong>The developer has already begun the process with the City Council<\/strong> to reclassify it as <strong>consolidated urban land,<\/strong> submitting a Proposal for Delimiting the Area to expedite the process. Once this has been approved, the land readjustment, development, and building permit projects can be processed simultaneously. The resulting lot will have a total area of 8,549.78<sup>m\u00b2<\/sup> and <strong>a buildable area of 7,281 m<\/strong><strong><sup>2<\/sup><\/strong>. From a commercial standpoint, the developer will put the property up for sale as soon as the building permit application process begins.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The developer will cover the project\u2019s technical costs and, in addition <strong>,<\/strong> <strong>contribute<\/strong> <strong>\u20ac6,804,209<\/strong> <strong>of its own funds<\/strong> <strong>;<\/strong> it is applying for a <strong>fixed-rate mortgage loan at 12% in the amount of \u20ac7,000,000,<\/strong> to purchase the lots, which <strong>will be<\/strong> <strong>secured by a mortgage of 1<\/strong><strong><sup>first <\/sup><\/strong><strong>degree<\/strong><strong><sup>1stdegree<\/sup><\/strong><strong> on the asset and will have a term of 12 months<\/strong> (+6 months of possible extension).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The financing structure will be as follows: <strong>investors through wecity will contribute a maximum of 5,000,000 \u20ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This maximum contribution will be divided into two installments.<strong> <\/strong>A <strong>guaranteed initial drawdown<\/strong> of \u20ac3,000,000 (Tranche A) and an <strong>optional second drawdown<\/strong> of \u20ac2,000,000 (Tranche B). In addition, investors independent of the platform will contribute \u20ac2,000,000 on an equal footing with wecity investors. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The loan<\/strong> is expected <strong>to be repaid<\/strong> to <strong>wecity<\/strong> investors once another financier comes on board and\/or the homes are sold.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AInvest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In this opportunity, AInvest is applied.  <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The project<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-1-1024x606.png\" alt=\"\" class=\"wp-image-26786\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-1-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-1-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-1-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-1-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-1.png 1716w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-2-1024x606.png\" alt=\"\" class=\"wp-image-26791\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-2-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-2-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-2-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-2-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-2.png 1716w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"606\" src=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-3-1024x606.png\" alt=\"\" class=\"wp-image-26796\" srcset=\"https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-3-1024x606.png 1024w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-3-300x178.png 300w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-3-768x455.png 768w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-3-1536x909.png 1536w, https:\/\/www.wecity.com\/wp-content\/uploads\/2026\/07\/wecity_imag_inversion_Marbella-Puerto-Banus-3.png 1716w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Location and surroundings<\/h2>\n\n\n\n<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d3207.8310595520566!2d-4.969042425063587!3d36.48579628536098!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xd7329f2a13d3b67%3A0xf5c23ebf14ce54ad!2sC.%20Edgar%20Neville%2C%203%2C%2029660%20Marbella%2C%20M%C3%A1laga!5e0!3m2!1ses!2ses!4v1782891883902!5m2!1ses!2ses\" width=\"800\" height=\"600\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"strict-origin-when-cross-origin\"><\/iframe>\n\n\n\n<p class=\"wp-block-paragraph\">Located at <strong>3-5 Edgar Neville Street,<\/strong> this area of Marbella stands out for its excellent location, very close to <strong>Puerto Ban\u00fas<\/strong> and perfectly connected to downtown Marbella and the A-7. It is a well-established neighborhood offering a wide range of shops, restaurants, supermarkets, schools, and services, making it one of the most sought-after residential areas on the Costa del Sol. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, some of the city\u2019s main attractions are located nearby, such as <strong>Puerto Ban\u00fas<\/strong>, the <strong>Marbella Boardwalk<\/strong>, <strong>Nueva Andaluc\u00eda Beach<\/strong>, the <strong>Real Club de Golf Las Brisas<\/strong>, and the <strong>Centro Plaza<\/strong>, a leading shopping and entertainment destination in the area. This location combines quality of life, excellent transportation links, and high potential for property appreciation. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgage collateral<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The loan will be secured by a<sup>first-priority<\/sup> mortgage on the property, located at 3-5 Edgar Neville Street, <strong>Marbella<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the appraisal report prepared by<strong> Savills<\/strong>, the current appraised value is \u20ac11,028,391.47. The loan to be granted to the developer in this first tranche is \u20ac3,000,000, representing a Loan-to-Value (LTV) ratio of 63.47%. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Collateral agent<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The constitution, conservation, management, administration and, if applicable, enforcement of the pledge on behalf of wecity&#8217;s investors shall be carried out by an entity external to <strong>wecity<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this case, the designated Collateral Agent will be the one indicated in the loan agreement.  <\/p>\n\n\n\n<div style=\"height:16px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">Rating<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>wecity<\/strong>, as a provider of equity financing services and in compliance with Delegated Regulation (EU) 2024\/358 supplementing Regulation (EU) 2020\/1503 of the European Parliament and of the Council, provides a <a href=\"https:\/\/www.wecity.com\/en\/risk-assessment-model\/\" target=\"_blank\" rel=\"noreferrer noopener\">description of the credit rating method<\/a><br> of the projects used to calculate the ratings. If the calculation is based on accounts that have not been audited, this shall be clearly stated in the description of the method. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:24px\">Monitoring<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The promoter must justify the use of the funds in each of the applications. The use of the funds by the promoter will be monitored by a company external to <strong>wecity<\/strong>.   <\/p>\n","protected":false},"featured_media":26802,"template":"","class_list":["post-26993","oportunidades","type-oportunidades","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades\/26993","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/oportunidades"}],"about":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/types\/oportunidades"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media\/26802"}],"wp:attachment":[{"href":"https:\/\/www.wecity.com\/en\/wp-json\/wp\/v2\/media?parent=26993"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}