Unlock high-yield real estate returns from Spanish NPLs — with local execution, legal clarity, and transparent updates.
We source, structure, and enforce non-performing loans in prime areas, converting distressed debt into recoverable value with minimal investor lift.
Qualified Investors only (min €500k) • Free consultation
Why Spanish NPLs Now?
Recent LEC reforms have created unprecedented opportunities for sophisticated investors to access distressed real estate at significant discounts.
High Returns
Target min 30% returns in maximum 15 months through strategic NPL acquisition and enforcement in prime Spanish markets.
Legal Clarity
Post-2022 LEC reforms streamline foreclosure processes, reducing timeline uncertainty and execution risk.
Asset-Backed
Every investment secured by prime Spanish real estate in Costa del Sol and Costa de la Luz.
Investment Process
Acquire & Structure
Source NPLs, complete due diligence, execute via notary, and register assignment to secure creditor rights.
Enforce & Execute
Pursue judicial auction under updated LEC rules, manage legal proceedings, and optimize recovery strategy.
Exit & Distribute
Monetize via auction proceeds or adjudicate and resell after strategic refurbishment for maximum returns.
Maximum investment cycle: 15 months • Target IRR: minimum 30%
Marbella-Based Expertise
Local market knowledge combined with institutional-grade processes and AI-powered investor communication.
Why Acerva
- ✓ Local Execution: Marbella-based team with deep Costa del Sol market knowledge
- ✓ Risk Mitigation: Structured to minimize okupa exposure and execution pitfalls
- ✓ Legal Expertise: Post-LEC reform specialists with proven track record
- ✓ AI Communication: Real-time status updates and investor Q&A with Ava our AI assistant via WhatsApp
Investment Criteria
Free Spanish NPL Investment Guide
Get our comprehensive 14-page guide covering LEC reforms, market opportunities, and due diligence frameworks for Spanish NPL investments.
Ready to Discuss Your Investment?
Schedule a confidential consultation to explore Spanish NPL opportunities tailored to your portfolio.