Launch Your French Property Empire with Greenstone’s Commercial Loans!
Picture owning a new-build property in France—a sleek chalet in the French Alps, a luxe serviced apartment on the Riviera, or a bustling rental gem in Languedoc. France, a global tourism titan, offers unmatched commercial potential with its historic allure, stunning vistas, and vibrant culture. A commercial property investment here, structured through an SARL de famille or SCI, isn’t just a financial win; it’s your gateway to a thriving market fueled by art, gastronomy, and millions of visitors. At Greenstone, we specialize in commercial loans for non-resident investors, delivering tailored financing solutions to transform your new-build property into a profitable asset.
Contact UsWhy a Commercial Property Loan in France?
France’s tourism sector drives demand for short-term rental properties, new-builds in prime regions like the Alps and Riviera make good financial sense. Furthermore investing via an SARL de famille or SCI offers:
Returns
Strong rental yields from short-term lets, boosted by the Para-Hotelier scheme.
Tax Efficiency
Corporate structures unlock VAT refunds and tax-free income, maximizing profits.
Market Strength
France’s stable property market ensures long-term capital growth.
Commercial Loans for SARL de Famille & SCI Your Path to Success
Securing a commercial loan for a new-build property as a non-resident requires navigating the complexities of corporate ownership through an SARL de famille (a family-run limited liability company) or SCI (Société Civile Immobilière, a real estate holding company). These structures are mandatory for our commercial loan offerings, offering tax and operational advantages but demanding specialized financing. Greenstone’s expertise and elite network of French high-street banks, private banks, and international lenders in Monaco, Switzerland, and Luxembourg secure competitive terms—think loan-to-value (LTV) ratios of 50-70%, structured for your investment strategy.
SARL de Famille:
Perfect for family-led ventures, this structure enables co-ownership among relatives, ideal for Para-Hotelier rentals. Key benefits:Tax Perks
Up to 20% VAT refunds and tax-free rental income for 30 years under Para-Hotelier, plus streamlined inheritance.
Commercial Appeal
Lenders treat SARLs as businesses, offering higher LTVs but requiring robust business plans and revenue forecasts.
Implications
Non-residents must register the SARL, appoint a manager, and file corporate taxes. Greenstone connects you with top accountants for seamless compliance.
SCI: A versatile real estate holding company, popular for shared ownership and management. Advantages include:
Ownership Flexibility
Clear share-based control for multiple investors or family members.
Tax Savings
VAT recovery and potential capital gains benefits for Para-Hotelier properties.
Implications
SCIs pass rental income to shareholders’ personal taxes, and lenders may demand higher equity (30–50%) or guarantees due to non-trading status. Greenstone optimizes financing to ease these hurdles.
Current Average Rates for Commercial Loans
As of May 2025, commercial loan rates for non-resident investors using SARL de famille or SCI structures range from 4.5-5.5%, based on loan terms (5-20 years), property revenue potential, and lender criteria. These rates, slightly above personal loans, reflect the business risk but support larger loans and extended terms. Rates exclude mandatory insurance (property, business interruption), and corporate structures may require personal guarantees for non-residents.
Para-Hotelier: Your Investment Powerhouse
The Para-Hotelier scheme supercharges new-build commercial properties in tourism hotspots. By providing hotel-like services (cleaning, linens, reception), your SARL or SCI-owned property unlocks:
VAT Refund
Recover up to 20% of the purchase price.
Tax-Free Rental Income
Zero tax on earnings for up to 30 years.
Personal Use
Enjoy your property while meeting letting requirements.
Corporate Tax Edge
SARL/SCI ownership avoids home-country taxation on rental income. Greenstone’s partnered accountants ensure a smooth setup.
Why Greenstone for Commercial Loans?
We’re your strategic allies in dominating France’s commercial property scene. Here’s why non-residents choose us:
Custom Financing
We design commercial loans for SARL/SCI new-builds, from boutique rentals to large Para-Hotelier projects.
Premier Network
Our ties to top lenders, legal advisors, tax experts, and property managers deliver end-to-end excellence.
Currency Protection
Partnered FX dealers lock in rates for up to 24 months, safeguarding your investment from euro fluctuations.
Hassle-Free Process
We tackle French regulations and corporate compliance, saving you time and money.
Special Support for US Investors
US investors face unique challenges—foreign ownership rules, currency risks, and SARL/SCI complexities. Our bilingual team simplifies it:
Tailored Loans
Commercial mortgages crafted for corporate-owned properties.
Regulatory Expertise
We clarify French corporate and tax requirements.
Lender Access
From local banks to international private institutions, we secure optimal deals.
New-Build Commercial Loans Engineered for Profit
New-build properties are ideal for commercial investment, especially under Para-Hotelier. Greenstone excels at financing:
Construction-Phase Flexibility
Loans aligned with build schedules and revenue projections.
Tourism Hotspots
Properties in high-yield regions like the Alps and Riviera, built for rental success.
Frequently Asked Questions
Essential Documents for a Commercial Loan
Valid passports and proof of residence for all shareholders.
SARL/SCI incorporation documents (we connect you with experts to prepare these).
Detailed business plan with rental income projections.
Bank statements and tax returns (3 months for employees, 3 years for business owners).
Initial purchase agreement (Compromis de Vente/Reservation Contract).
Insurance docs (property, business interruption) as required.
Corporate financials and asset statement for the SARL/SCI.
Ready to Build Your French Legacy?
At Greenstone, we’re fueled by your ambition to conquer France’s commercial property market. From securing the perfect commercial loan to guiding your SARL de famille or SCI setup, we’re with you every step. Visit our What We Do page [insert link] to explore our services, or contact us today to discuss your new-build investment.
Let’s turn your vision into a French profit powerhouse—reach out now and let’s make it happen!