The Future of CRE Funding: Why Developers & Investors are Turning to SPV Payment Accounts
- Matthew Ivo
- 30 minutes ago
- 5 min read
Commercial real estate (CRE) has always been more than a means of generating income - it has been a defining force in shaping the world as we know it. Since the advent of the earliest structured civilisations, owning and leasing commercial property has had the power to restructure geographical landscapes, forge dynasties, and dictate our global economic trajectory.
From the artisanal workshops of the Han Dynasty to the world’s first indoor shopping mall, built by Apollodorus of Damascus in 100 CE, CRE investors have navigated remarkably similar challenges for millennia. The payment constraints and regulatory obstacles faced by these early entrepreneurs are still recognisable today:
Bureaucratic capital requirements and extensive paperwork.
Restrictive lending and banking practices.
Uncompetitive foreign exchange and limited cross-border capability.
Fast forward to 2025, and the commercial real estate market remains one of the most influential and resilient asset classes globally. Yet behind this momentum lies a structural issue that ancient merchants would still sympathise with; traditional banking has not evolved at the pace demanded by modern CRE investment.
Despite layered SPV structures and multi-currency capital flows having become the norm, investors repeatedly encounter restricted account options and slow international payments. These inefficiencies not only stall acquisitions and re-financing, but they materially affect valuations, project viability, and investor confidence.
This is why Property SPV accounts are quickly becoming a strategic necessity for commercial real estate investors in 2025.
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Traditional global banking is holding CRE investors back
Unlike residential investors, CRE stakeholders manage larger volumes, complex corporate structures, and international capital flows. The limitations of traditional property bank accounts become more pronounced at scale, and investors across the sector report consistent challenges.
Slow onboarding for new SPVs
Opening a bank account for a Special Purpose Vehicle can be a significant drag on deal timelines. For many UK SPVs, the process can take several weeks before the account is fully operational, especially when onboarding non-resident directors or businesses with complex ownership structures.
These delays are driven by KYC checks, UBO verification, and overly risk-averse providers - all of which can derail tight CRE acquisition schedules. With Interpolitan Money, global SPVs can open an account in under 48 hours from the point of acceptance.
Reduced banking appetite for real-estate SPVs
In the UK, new lending for commercial real estate hit a decade low of 33% in 2023, driven in part by high interest rates and lower asset valuations. This reduced risk appetite was keenly felt by SPVs globally, and still in 2025, lenders remain more cautious than ever due to increasing geopolitical pressures and the lack of readily available credit.
Limited multi-currency capability
Commercial real estate is increasingly global, yet many property bank account providers pair limited currency options with high conversion margins, exposing investors to unnecessary risk. As the great wealth transfer continues, the demand for minor and exotic currencies will only increase, paving the way for Electronic Money Institutions (EMIs) and Alternative Banking providers to become the cornerstone of the international real-estate economy.
The financial headache of fragmented SPVs
Tracking cash flow, reconciling multi-currency rental income, and expediting payments across jurisdictions is an operational challenge for even the most seasoned professionals. Not only does decentralisation increase reputational risk, escalations, and audit overruns - it’s also unnecessary in 2025. Research suggests that unifying the management of SPV accounting with a single provider can cut operational mistakes by as much as 25%.
What is a Property SPV Account?
A Property SPV account is a dedicated payment and collection account designed specifically for real estate Special Purpose Vehicles. They enable holding companies to set up limited businesses to reduce operational risk, consolidate debt, and ring-fence pooled investment funds outside of central cash reserves.
Here are four examples of how CRE investors use SPV accounts:
Financing high-value commercial acquisitions.
Making milestone payments for development and refurbishment projects.
Collecting multi-currency rental and dividend income.
Managing lender-mandated ownership structures.
An SPV account consolidates all income, expenditure, and capital flows in one platform: improving reporting, reducing administrative burden, and enabling faster execution across the entire investment lifecycle. Unlike a standard property bank account, an SPV account is purpose-built for the complexities of CRE.
Are Property SPV account safe to use?
When managed through a regulated and reputable provider, SPV payment and collection accounts are entirely safe to use. Interpolitan Money is licenced and authorised by the UK’s Financial Conduct Authority (FCA), the Dubai Financial Services Authority (DFSA) and Canada’s Financial Transactions and Reports Analysis Centre (FINTRAC). This means we follow both a strict legal and moral code to ensure that every pound, penny, cent, and Euro of your money is managed with care and compliance.
How we keep your money safe
All client funds are held in segregated accounts with tier-one financial partners, meaning your capital remains ring-fenced and protected. This transparency allows us to manage your money with 100% liquidity: offering due peace of mind rarely extended to specialist entities.
How Interpolitan Money SPV accounts solve global property banking challenges
Rapid onboarding in under 48 hours
With our fast-tracked application process and international KYC team, new SPV clients can open an operational account within two days of approval. We partner with non-resident directors, support entities in diverse industries and specialise in managing complex structures.
Send, receive and exchange high-value payments in over 50 local currencies, including EUR, GBP, AED, USD, CNY, INR and more. With access to live spot rates, embedded FX with guaranteed basis points and ultra-competitive forward contracts, we can help maximise every margin.
Access to payment rails in 160+ countries
Whether collecting rent payments from the UK or settling contractor expenses in Vietnam, Interpolitan Money allows clients to transact locally and trade globally without leaving their office. Supported by our Tier-1 banking partners, you can process high-value payments with the peace of mind knowing that your money will be sent and received on time, every time.
Dedicated account management
We partner every SPV account with a hand-picked sector specialist, who provides personal payment, FX and investment lifecycle support. Working directly as part of your business, your Relationship Manager acts as a private banker and cross-border concierge – helping you navigate unfamiliar markets with confidence.
Do I need to switch my bank to Interpolitan Money?
No, you don’t need to switch your bank account.
Instead, Interpolitan complements your current property banking arrangements, adding flexibility, speed, and international reach. So, while your bank may remain your home for everyday operations, our dedicated SPV payment accounts allow you to expand globally, transact confidently, and move capital where it’s needed most.
We’re here to help empower your business to embrace new opportunities and sustainably grow your portfolio. Book a free consultation with our dedicated CRE team today or leave us a message, and we’ll call you back.
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