Commercial Development Finance
Access to a nationwide network of 200+ private lenders and specialist funding partners.
Helping developers connect with suitable private lenders for commercial development finance, commercial construction finance and commercial property development loans across Australia.
Is this your situation?
Commercial Development Finance is often needed where borrowers require private funding for acquisition, refinance, construction, completion or exit.
You are developing commercial property
Funding may be required for offices, warehouses, retail, industrial or mixed-use projects.
You need commercial construction finance
Private lenders can consider construction funding for selected commercial projects.
The bank will not approve the loan
Banks can be conservative where leasing, pre-commitments, servicing or valuation does not fit policy.
You have approval or pre-lease discussions
Funding may be needed before or during construction while leasing or sale strategy progresses.
You need to refinance an existing facility
An existing commercial site, construction or private facility may need refinancing.
You need a clear exit strategy
Exit may be sale, lease-up then refinance, bank refinance or repayment from project proceeds.
What is commercial development finance?
Commercial Development Finance is private funding used for commercial development finance, including acquisition, refinance, construction, completion or exit funding depending on the project stage.
Why commercial development finance needs specialist assessment
These projects can involve approval, valuation, servicing, presales, construction, feasibility and exit risks that do not always fit standard bank policy.
Where private lenders can help
Some private lenders can assess the scenario by looking at security value, project stage, GRV, cost-to-complete, LVR, borrower contribution and exit strategy.
Why banks often decline commercial development finance.
Banks can be conservative where presales, servicing, feasibility, valuation, timing or construction risk does not fit standard policy.
Banks commonly decline because of:
- Insufficient presales or no presales
- Servicing does not fit bank policy
- Valuation or GRV concerns
- Construction budget or feasibility issues
- Developer experience concerns
- Project timing or approval issues
- The scenario does not fit standard policy
Private lenders approve based on:
- Security value and completed value
- Project stage and approval status
- GRV and marketability
- Construction budget and cost-to-complete
- Loan-to-value position
- Borrower contribution and equity
- Clear sale or refinance exit strategy
Common commercial development finance scenarios.
These scenarios often require fast private lender assessment rather than a full bank-style application process.
Commercial Construction Finance
Funding for selected commercial construction and development projects.
Industrial Development Finance
Private lending options for warehouses, factories and industrial projects.
Retail Development Finance
Funding for selected retail or showroom development scenarios.
Mixed-Use Development Finance
Funding for projects with residential and commercial components.
Commercial Development Refinance
Refinance of existing commercial development or private facilities.
Pre-Lease or Sale Exit
Funding where exit is linked to sale, leasing or refinance after completion.
Commercial Cost Overruns
Additional funding where commercial construction costs have increased.
Commercial Exit Finance
Short-term funding to exit an existing commercial development loan.
Urgent Settlement Funding
Fast funding where a commercial site or project deadline is approaching.
Projects private lenders can consider.
Every lender has different appetite. The goal is to match the scenario with lenders that understand the project type, funding need and exit strategy.
Office Projects
Selected office development and construction scenarios.
Warehouses
Industrial and warehouse development funding.
Retail Sites
Selected retail, showroom and bulky goods sites.
Industrial Land
Commercial and industrial development sites.
Mixed-Use Projects
Projects with residential and commercial components.
Commercial Units
Small commercial unit development projects.
Medical or Specialist Sites
Selected specialist commercial property developments.
Refinance or Exit Projects
Commercial projects requiring refinance or exit funding.
What information helps private lenders assess the scenario?
You do not need a full bank-style application to make an initial enquiry, but the scenario needs enough detail for lenders to understand the security, project and exit pathway.
Property Address
The site address and property details help lenders understand location and security type.
Planning Status
DA approval, permit status, drawings, conditions or pre-construction progress.
Loan Amount Required
The acquisition, refinance, construction, top-up, completion or exit funding amount required.
GRV and Feasibility
Gross realisation value, feasibility, budget and cost-to-complete are key assessment items.
Project Stage
Acquisition, planning, construction, completion, residual stock or exit.
Exit Strategy
Sale, refinance, stock sell-down, bank refinance or another clear repayment pathway.
Case study: warehouse construction funded privately.
A borrower had approval for a small warehouse development but bank terms were delayed by leasing and servicing requirements.
The borrower needed funding to commence construction and avoid further project delays.
The scenario was introduced to a private lender that assessed land value, approval status, construction budget, GRV and exit strategy.
The project was funded privately and structured to exit through sale or refinance after completion.
Case study: commercial development refinance.
A commercial project was near completion but the existing facility was approaching maturity.
The borrower needed more time to complete works, lease the property and refinance to a bank.
The scenario was matched with a private lender that refinanced the facility based on valuation and exit strategy.
The refinance provided time to complete the project and progress the long-term exit.
A simple process designed for fast scenario assessment.
The goal is to get your commercial development finance scenario in front of suitable private lenders quickly and receive indicative funding options within 24 hours.
- Submit your scenario
- We match your deal with suitable private lenders
- A private lender will make contact
- Receive indicative funding options within 24 hours
Frequently asked questions about commercial development finance.
Common questions from developers considering private funding for commercial development finance.
What is commercial development finance?
commercial development finance is private funding used for commercial development finance, including acquisition, refinance, construction, completion or exit funding depending on the project stage.
Can private lenders fund commercial development finance?
Yes. Private lenders can consider commercial development finance where the security value, project stage, loan-to-value position, borrower contribution and exit strategy are acceptable.
Can I get a commercial development finance without presales?
Some private lenders can consider scenarios without presales where the location, GRV, LVR, equity contribution, marketability and exit strategy are strong enough.
Why do banks decline these loans?
Banks may decline where presales are insufficient, servicing does not fit policy, construction risk is high, valuation concerns exist or the project no longer fits standard bank requirements.
Can private lenders fund cost overruns?
Yes. Private lenders can consider additional funding where costs have increased and the project still has enough security value and a clear exit strategy.
Can I refinance an existing facility?
Yes. Existing land, development, construction or private facilities can sometimes be refinanced where the project needs more time or a different lending structure.
Do I need full financials or tax returns?
Not always. Many private lenders focus on the asset, valuation, GRV, project stage, construction budget, LVR and exit strategy rather than requiring a full bank-style application upfront.
How quickly can the scenario be assessed?
Indicative responses can be obtained within 24hrs where the borrower provides the address, loan amount, project stage, value estimate, GRV, cost-to-complete and exit strategy.
What information is needed for an initial assessment?
Useful information includes the property address, planning status, project type, current debt, construction budget, loan amount required, estimated GRV and exit strategy.
Can this funding be used for site acquisition?
Yes. Some private lenders can consider funding to purchase or refinance a suitable site where the security and exit strategy support the loan.
Can this funding be used before construction starts?
Yes. Funding may be available before construction starts where the site, approval status, valuation, borrower contribution and exit strategy are acceptable.
Who contacts me after I submit the scenario?
Once the scenario is reviewed and matched with suitable lending partners, a private lender or their representative can contact you directly to confirm requirements, structure and next steps.
Related development finance scenarios.
Every development project is different. Explore other private development finance scenarios that may also match your situation.
Funding Problems
Construction & Development
Land, Planning & Civil Works
Need commercial development finance?
Submit the key details of the site, project type, loan amount, planning status, GRV, cost-to-complete and exit strategy so the scenario can be matched with suitable private lenders.
Submit your commercial development finance scenario.
Send through the key details of the site, project type, loan amount, planning status, GRV, cost-to-complete and exit strategy.