Who We Work With
Property developers.
Finance that follows the project — from securing the site through construction draws to selling down the completed stock.
Overview
How we work with the sector.
Property developers carry a finance problem the banking system was never built to hold cleanly. A project moves through distinct stages — site control, planning, construction, completion, sell-down — and each stage answers to different lender criteria, different security, and a different appetite for risk. We work with residential, commercial, mixed-use and industrial developers, from those delivering a handful of townhouses to groups running multiple sites at once. What makes the sector distinct is that the lender is usually funding something that doesn't yet exist. Feasibility, the builder, the fixed-price contract, the presale position and the developer's track record all carry real weight, and a weak point in any one of them shifts which lenders will look at it. We size the loan to the project rather than the product, and move between bank and non-bank lenders when timing or presale cover rules a bank out. The aim is simple — keep capital available at every stage so the project never stalls waiting on finance.
Sector Snapshot
- Typical Deal Size
- $1M — $100M+
- Common Products
- Site, construction, residual stock, bridging
- Settlement Window
- 2 — 8 weeks
- Lender Mix
- Bank & non-bank
Common Scenarios
The deals we structure most often.
01 / 03
Site acquisition
Securing a development site — often before planning is settled — with a facility built to roll into construction once the project is shovel-ready.
02 / 03
Construction finance
Funding the build through progressive, QS-certified drawdowns, sized against total development cost rather than end value.
03 / 03
Residual stock & bridging
Releasing equity from completed but unsold stock, or bridging a settlement gap so the next project can start before the last one fully sells down.
Finance Products
Products most relevant to property developers.
FAQ
Property Developers finance — questions answered.
Yes. Site or land facilities are a common starting point — we arrange finance to secure the site through the planning period, then structure it to roll into a construction facility once the project is approved and ready to start.
It depends on the lender. Banks generally want meaningful presale cover before they fund a build; several non-bank lenders will fund with little or no presales at a different price. We match the project to the lender whose presale appetite fits how fast you need to move.
Yes. A first project is still fundable — it is simply placed more carefully. Lenders weigh the feasibility and the security heavily, and a strong builder and a clean contract carry a lot of the story when the track record is still being built.
Yes. Residual stock finance lets you draw equity out of completed but unsold dwellings, freeing capital to move to the next project rather than waiting for the last unit to settle.
A bank decline is often about presales, the builder or the timing rather than the project itself. Our panel includes non-bank and private lenders that assess development on different criteria. We will give you a straight read on whether the deal is fundable and where.
Ready?
Let's structure your next property developers deal.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.