Short Term Development Finance
Access to a nationwide network of 200+ private lenders and specialist funding partners.
Helping developers connect with suitable private lenders for short term development finance, short term development loans and private project funding across Australia.
Is this your situation?
Short term development finance is often used when a borrower needs temporary funding for acquisition, refinance, construction, completion, holding costs or exit.
You only need funds short term
The project may need temporary funding before sale, refinance or completion.
You are acquiring a site
Short-term funding may assist with site purchase or settlement.
You need to refinance temporarily
A short-term facility may replace an existing lender while the final exit is prepared.
You need construction or completion funds
Funding may assist with works, completion or cost-to-complete.
You need time to sell stock
Completed stock may need more time to sell before repayment.
You have a clear exit
Short-term lenders focus heavily on the repayment pathway.
What is short term development finance?
Short term development finance is private funding used for a limited period, usually where a project has a clear sale, refinance, completion or exit pathway.
Why short-term funding is useful
Developers may need short-term funding to bridge timing gaps, refinance lenders, settle sites, complete works or create time for an orderly sale or refinance.
Where private lenders can help
Some private lenders can assess short-term scenarios by focusing on the asset, LVR, project stage, term required and exit strategy.
Why banks often decline short term development finance.
Banks are not always suited to short-term, timing-sensitive or non-standard development funding needs.
Banks commonly decline because of:
- Loan term is too short
- Funding need is non-standard
- Project is incomplete or changing
- Servicing does not fit policy
- Security is too specialised
- Timing is too urgent
- The scenario does not fit standard bank product rules
Private lenders approve based on:
- Security value and LVR
- Loan term required
- Project stage and risk position
- Borrower contribution and equity
- Clear use of funds
- Marketability of the asset
- Clear sale or refinance exit strategy
Common short term development finance scenarios.
These scenarios often require fast private lender assessment rather than a full bank-style application process.
Short Term Site Finance
Temporary funding for site acquisition or refinance.
Short Term Refinance
Refinance where the borrower needs more time.
Short Term Construction Funding
Funding for construction, completion or remaining works.
Residual Stock Funding
Short-term refinance of completed but unsold stock.
Loan Extension Funding
Temporary funding where an existing loan is expiring.
Development Exit Funding
Short-term funding to support sale or refinance exit.
Cost Overrun Funding
Temporary funding where project costs have increased.
Urgent Short Term Funding
Fast funding for urgent project or settlement deadlines.
Pre-Construction Funding
Short-term funding before construction finance is ready.
Projects private lenders can consider for short term finance.
Every lender has different appetite. The goal is to match the short-term scenario with lenders that understand the project and repayment pathway.
Development Sites
Short-term site acquisition or refinance.
Townhouse Projects
Short-term funding for townhouse projects.
Duplex Projects
Short-term duplex construction or refinance scenarios.
Unit Developments
Short-term funding for multi-dwelling projects.
Subdivision Projects
Short-term funding for titles, works or lot sales.
Commercial Projects
Selected commercial short-term funding scenarios.
Residual Stock
Short-term funding against completed stock.
Partially Completed Builds
Short-term funding to complete or stabilise projects.
What information helps private lenders assess the scenario?
You do not need a full bank-style application to make an initial enquiry, but short-term scenarios need enough detail for lenders to understand the asset, timing and exit pathway.
Property Address
The address and property details help lenders assess the security.
Term Required
How long the funding is needed and why.
Loan Amount Required
The funding amount and intended use of funds.
Value and GRV
Current value, completed value, appraisals or valuation evidence.
Project Stage
Current stage, remaining works, stock position or refinance status.
Exit Strategy
Sale, refinance, settlement, completion or another repayment pathway.
Case study: short-term refinance before sale.
A borrower needed short-term funding to refinance an existing development loan while sale contracts were being finalised.
The current lender required repayment before the final sale settlements were ready.
The scenario was introduced to a private lender that assessed the stock value, loan term required and sale exit.
A short-term facility created time for settlements to complete and repay the debt.
Case study: short-term funding to complete works.
A developer needed temporary funding to finish remaining works before refinancing the project.
The bank would not fund the remaining works because the project no longer fit standard policy.
The scenario was matched with a private lender that assessed the current value, cost-to-complete and refinance exit.
The borrower completed the works and exited through refinance after completion.
A simple process designed for fast scenario assessment.
The goal is to get your short term 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 short term development finance.
Common questions from borrowers considering short-term private funding for development projects.
What is Short term development finance?
Short term development finance is private funding used to assist with temporary acquisition, refinance, construction, completion or exit funding.
Can private lenders help with short term development finance?
Yes. Private lenders can consider short term development finance where the security value, loan-to-value position, borrower contribution and exit strategy are acceptable.
Why would a bank decline this scenario?
Banks may decline where servicing does not fit policy, presales are unavailable, the project has changed, timing is urgent or the scenario does not fit standard development lending criteria.
Can this funding be arranged quickly?
Indicative responses can be obtained within 24hrs where the borrower provides the address, loan amount, project status, value estimate and exit strategy.
Can this help if my current lender wants repayment?
Yes. Private lenders can consider short-term refinance or bridging options where an existing lender requires repayment and the project needs more time.
Can this be used before construction starts?
Yes. Depending on the scenario, funding may assist before construction starts where the site, planning status and exit strategy support the loan.
Can this be used for a completed project?
Yes. Depending on the scenario, funding may assist with completion, residual stock, sell-down, refinance or loan exit.
Do I need full financials or tax returns?
Not always. Many private lenders focus on the asset, valuation, project stage, LVR and exit strategy rather than requiring a full bank-style application upfront.
What information is needed for an initial assessment?
Useful information includes the property address, current debt, project status, loan amount required, value estimate, GRV and proposed exit strategy.
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 security and exit.
Can this help avoid a forced sale?
Yes. A short-term private facility can create time for sale, refinance, completion or settlement instead of forcing a rushed exit.
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 short term development finance?
Submit the key details of the project, term required, loan amount and exit strategy so the scenario can be matched with suitable private lenders.
Submit your short term development finance scenario.
Send through the key details of the project, term required, loan amount and exit strategy.