Development Site Finance
Access to a nationwide network of 200+ private lenders and specialist funding partners.
Helping developers connect with suitable private lenders for development site finance, development site loans and site acquisition finance across Australia.
Is this your situation?
Development Site Finance is often needed where borrowers require private funding for acquisition, refinance, construction, completion or exit.
You are buying a development site
Funding may be required to purchase a site before DA, construction or sale exit is ready.
You need to refinance a site
An existing site acquisition, land or private loan may need refinancing.
The bank will not fund the site
Banks can be conservative where there is no income, no approval or no immediate construction start.
You are waiting on planning
Funding may assist while DA, permits, consultants or project planning are completed.
You need acquisition funding
Private lenders can assess site acquisition based on value, LVR, contribution and exit.
You need a future exit
The exit may be sale, DA approval, construction finance, subdivision or refinance.
What is development site finance?
Development Site Finance is private funding used for development site finance, including acquisition, refinance, construction, completion or exit funding depending on the project stage.
Why development site 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 development site 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 development site finance scenarios.
These scenarios often require fast private lender assessment rather than a full bank-style application process.
Site Acquisition Finance
Funding to purchase a residential, commercial or mixed-use development site.
Pre-Development Funding
Funding while planning, design, consultants or permits are progressed.
Development Site Refinance
Refinance of an existing land, site acquisition or private facility.
DA Pending Site Finance
Funding while waiting for DA, permit or planning approval.
Construction Ready Site
Funding for a site that is ready or near-ready for construction finance.
Holding Cost Funding
Funding for interest, rates, consultant costs and site holding costs.
Townhouse or Unit Sites
Funding for sites intended for townhouse, unit or multi-dwelling development.
Exit via Sale or Refinance
Funding where exit is sale, refinance, DA approval or construction finance.
Urgent Site Settlement
Fast private funding where a site acquisition 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.
Residential Sites
Development sites intended for residential projects.
Townhouse Sites
Sites intended for townhouse development.
Unit Sites
Sites intended for unit or multi-dwelling development.
Apartment Sites
Selected apartment development sites.
Commercial Sites
Selected commercial development sites.
Mixed-Use Sites
Sites with residential and commercial potential.
Subdivision Sites
Sites suitable for subdivision or land development.
Infill Sites
Metro and suburban infill development sites.
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: development site purchase funded quickly.
A borrower needed to secure a well-located development site but bank approval timing was too slow.
The vendor required a fast settlement and the borrower needed a private option to secure the site.
The scenario was introduced to a private lender that assessed the site value, borrower contribution and refinance/development exit.
The borrower settled the purchase and progressed planning for the next stage.
Case study: site refinance while DA was progressed.
A developer owned a site and needed to refinance while planning approval was being finalised.
The existing lender required repayment before the DA process was complete.
The scenario was matched with a private lender that refinanced the site based on value, zoning and exit strategy.
The refinance provided time to complete the DA and prepare for construction funding.
A simple process designed for fast scenario assessment.
The goal is to get your development site 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 site finance.
Common questions from developers considering private funding for development site finance.
What is development site finance?
development site finance is private funding used for development site finance, including acquisition, refinance, construction, completion or exit funding depending on the project stage.
Can private lenders fund development site finance?
Yes. Private lenders can consider development site finance where the security value, project stage, loan-to-value position, borrower contribution and exit strategy are acceptable.
Can I get a development site 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 development site 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 development site finance scenario.
Send through the key details of the site, project type, loan amount, planning status, GRV, cost-to-complete and exit strategy.