What is CH3's BTR3 model?

BTR3, short for Built to Rent, is an exclusive CH3 financing model. It lets companies pay for construction in installments over up to 60 months and combines engineering and CH3's own capital in a single contract. The client company doesn't need to go to a bank to structure financing for the build.

The problem the model solves

The article starts from an assessment: a real estate project's feasibility is no longer decided only on the job site, but by how its resources are allocated. Traditional financing is often the biggest obstacle to corporate agility, and viable projects end up stuck in slow bank approvals. BTR3 proposes cutting out the financial middleman in high-end construction.

In the words of Bruno Chohfi, a partner at CH3, in an interview with the SiiLA portal: "The client doesn't need to go to a bank to structure the financing. The engineering and the capital are in the same contract."

Capex and opex

The core of BTR3 is turning short-term capex into long-term opex. Instead of draining the company's capital with heavy, up-front capital expenditures, the cost of the build is absorbed predictably as an operating expense. According to the article, this preserves cash flow, lets the space start operating and generating revenue before it is paid off, and brings tax benefits such as the deduction under Lucro Real (actual-profit taxation).

The advantages presented

• Credit autonomy: no more depending on traditional bank approvals.
• Cost efficiency: competitive terms that keep the build moving without interruption.
• Freedom from engineering risk: CH3 takes end-to-end responsibility, protecting the client from technical surprises and budget overruns.

For CH3, removing financial friction lets leaders and teams concentrate on innovation and on growing their business, while engineering stops being a cost center.