Development Exit Finance
Access to a nationwide network of 200+ private lenders and specialist funding partners.
Helping developers connect with suitable private lenders for development exit finance, construction loan refinance and completed project refinance across Australia.
Is this your situation?
Development exit finance is often needed when a project is complete or near completion, but the existing loan needs to be repaid before the final exit is ready.
Your development loan is expiring
The existing development, construction or private facility may be approaching maturity and needs to be repaid or extended.
You need to refinance a development loan
A new private facility may help refinance the existing debt and create time for sale, settlement or bank refinance.
Stock remains unsold
Completed apartments, townhouses, units or other stock may need more time to sell before the current loan can be repaid.
The bank will not refinance yet
The project may not yet fit bank policy because of unsold stock, valuation issues, servicing or timing.
You need a clean exit pathway
Exit finance can provide time to complete sales, refinance, settle contracts or repay an existing lender.
You need a fast answer
Private lenders can provide an indicative response quickly once the core project information is available.
What is development exit finance?
Development exit finance is short-term private funding used to repay, refinance or exit an existing development, construction or private loan where the project is complete, near completion or approaching loan maturity.
Why exit finance is needed
A project may need exit finance because sales are still settling, stock remains unsold, a lender requires repayment, construction is close to completion or bank refinance is not yet ready.
Where private lenders can help
Some private lenders can assess the asset commercially by looking at the current value, completed value, remaining stock, existing debt, loan-to-value position and exit strategy.
Why banks often decline development exit scenarios.
Banks can be conservative when a development facility has expired or a project still needs time before the final repayment event is ready.
Banks commonly decline because of:
- Existing development facility has expired
- Too much stock remains unsold
- Settlement or sale delays
- Servicing does not fit bank policy
- Valuation or LVR concerns
- Project is not fully complete
- The scenario no longer fits standard policy
Private lenders approve based on:
- Current value and completed value
- Existing debt and payout amount
- Remaining stock or sale contracts
- Loan-to-value position
- Marketability of the asset
- Borrower equity position
- Clear sale or refinance exit strategy
Common development exit finance scenarios.
These scenarios often require fast private lender assessment rather than a full bank-style application process.
Development Loan Refinance
Refinance of an existing development, construction or private facility approaching maturity.
Construction Loan Exit
Funding to repay or refinance a construction loan after completion or near completion.
Completed Project Refinance
Private refinance for completed developments where stock remains to be sold or settled.
Loan Maturity Pressure
Short-term funding where an existing lender requires repayment before the final exit is ready.
Slow Sales Campaign
Exit finance where sales are taking longer than expected and the borrower needs more time.
Settlement Delays
Funding where sales have exchanged but buyer settlement or refinance is delayed.
Residual Stock Exit
Finance secured against remaining stock while the developer completes the sell-down.
Private-to-Private Refinance
Refinancing from one private lender to another where the existing facility needs to be repaid.
Urgent Lender Payout
Fast private funding where a lender payout deadline is approaching and a quick answer is required.
Projects private lenders can consider for exit finance.
Every lender has different appetite. The goal is to match the development exit scenario with lenders that understand the project type, repayment pressure and exit strategy.
Completed Apartments
Exit finance where completed apartment stock remains unsold or unsettled.
Townhouse Projects
Private refinance for townhouse projects requiring more time to sell or refinance.
Duplex Projects
Exit funding for completed or near-complete duplex and small residential projects.
Residual Stock
Funding secured against completed but unsold stock while the borrower exits through sale.
Near-Complete Builds
Selected private lenders can consider projects that are close to completion and require exit time.
Mixed-Use Projects
Private exit finance for selected commercial or mixed-use development scenarios.
Land or Site Holdings
Refinance of existing land or development site facilities while a sale or refinance is arranged.
Private Loan Exits
Private-to-private refinance where the current facility needs to be repaid or restructured.
What information helps private lenders assess the scenario?
You do not need a full bank-style application to make an initial enquiry, but development exit scenarios need enough detail for lenders to understand the current debt, security and exit pathway.
Property Address
The development address and basic property details help lenders understand location and security type.
Existing Debt
The current lender, loan balance, payout amount, maturity date and any repayment pressure.
Project Status
Complete, near completion, residual stock, settled sales, delayed settlements or remaining works.
Value / GRV
Current valuation, completed value, stock value, expected sale prices or agent appraisals.
Sales Evidence
Completed sales, contracts exchanged, remaining stock, current marketing and settlement timing.
Exit Strategy
Sale of stock, refinance, bank refinance, staged sell-down or another clear repayment pathway.
Case study: completed townhouse project refinanced before sell-down.
A developer completed a townhouse project but still had several unsold townhouses when the existing development facility reached maturity.
The existing lender required repayment, but the borrower needed more time to sell the remaining stock at market value.
The scenario was introduced to a private lender that assessed the completed stock, current valuation, existing debt, sale evidence and sell-down strategy.
A short-term exit facility repaid the existing lender and gave the developer time to complete an orderly sales campaign.
Case study: private loan refinanced to avoid forced sale.
A borrower had a private development facility approaching maturity and needed more time to refinance to a bank after completion.
The current lender required repayment before the bank refinance was ready, creating pressure to sell the asset quickly.
The scenario was matched with a private lender that could refinance the existing facility and provide a short extension period.
The borrower avoided a forced sale, completed the bank refinance process and repaid the short-term exit facility.
A simple process designed for fast scenario assessment.
The goal is to get your development exit 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 development exit finance.
Common questions from developers and project owners considering private funding to refinance, repay or exit an existing development loan.
What is development exit finance?
Development exit finance is short-term funding used to repay, refinance or exit an existing development, construction or private loan where a project is complete, near completion or approaching loan maturity.
Can I refinance a development loan after completion?
Yes. Private lenders can consider refinancing a completed or near-completed development loan where the security, valuation, loan-to-value position and exit strategy are acceptable.
Can exit finance help if my development loan is expiring?
Yes. Development exit finance can help where the existing loan is close to expiry and more time is required to sell stock, complete remaining works or refinance.
Can I use exit finance for unsold stock?
Yes. Exit finance can be used where completed stock remains unsold and the borrower needs to repay the existing lender while allowing more time for sales.
Can I refinance from one private lender to another?
Yes. Private-to-private refinance may be possible where the current facility needs to be repaid and the new lender is comfortable with the asset, LVR and exit strategy.
Can development exit finance help avoid a forced sale?
Yes. A short-term exit facility can provide time to sell or refinance in a more orderly way instead of being forced into a rushed sale under lender pressure.
What projects can development exit finance suit?
Development exit finance may suit completed apartments, townhouses, duplexes, residual stock, near-complete builds, stalled projects, land holdings and projects needing more time to exit.
Why do banks often decline development exit finance?
Banks may decline where the original construction loan has expired, stock remains unsold, servicing does not fit policy, sales have slowed or the project no longer fits standard lending criteria.
Do I need full financials or tax returns?
Not always. Many private lenders focus on the asset, valuation, loan-to-value position, existing debt, project status and exit strategy rather than requiring a full bank-style application upfront.
How quickly can a development exit finance scenario be assessed?
Indicative responses can be obtained within 24hrs where the borrower provides the property address, existing debt, project status, loan amount, value estimate and exit strategy.
What information is needed for an initial assessment?
Useful information includes the property address, current loan balance, lender payout amount, project completion status, remaining stock, valuation, sales evidence and proposed exit strategy.
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 to exit or refinance a development loan?
Submit the key details of the property, existing debt, project status, loan amount, value estimate and exit strategy so the scenario can be matched with suitable private lenders.
Submit your development exit finance scenario.
Send through the key details of the property, existing debt, project status, loan amount, value estimate and exit strategy.