Construction

We arrange construction funding for various development projects, including residential and commercial initiatives across Australia. From small multi-dwelling builds to large-scale apartment and mixed-use developments, our funding solutions are tailored to align with project feasibility assessments, timelines, and lender types. This ensures that the build can progress smoothly from site acquisition through to completion and sale or refinance, with structured progress payments throughout the process.

Construction funding is typically advanced in stages as development projects progress. Funds are released at key milestones such as slab, frame, lock-up, and completion, with lender types often requiring quantity surveyor sign-offs to confirm work completed before each drawdown. This structure ensures that interest is only charged on funds used while maintaining oversight of project delivery, which is crucial for feasibility assessments and effective progress payments.

Lenders assess construction projects for construction funding based on feasibility assessments, costings, and risk. This review includes build contracts, detailed cost breakdowns, contingency allowances, project timelines, and evidence of equity contribution. We assist in aligning feasibility and documentation with lender types to ensure that development projects are structured correctly before submission, facilitating smooth progress payments.

Some lender types require presales to mitigate project risk, while others may provide construction funding without presales, depending on the developer’s experience, the scale of development projects, and overall feasibility assessments. We operate across bank, non-bank, and private funding markets to find solutions that cater to both presale and non-presale scenarios, including arrangements for progress payments.

Construction funding can be obtained from various lender types, including major banks, non-bank lenders, and private funders. Each of these sources has different risk appetites, leverage limits, and timeframes. Bank funding is typically more suitable for lower-risk development projects with stronger presale positions, whereas non-bank and private funding can accommodate more complex structures, tighter timelines, or specialised scenarios. Additionally, feasibility assessments play a crucial role in determining the right funding option, especially when planning for progress payments.

We collaborate with developers and builders from the initial planning stages through to funding and construction, ensuring that development projects are structured appropriately and presented to the right lender types. Our emphasis is on efficiently securing construction funding and managing the entire process, including approval, documentation, and progress payments. If we cannot achieve a suitable funding outcome, we operate on a no-result, no-fee basis.