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Development & construction finance
Funded by someone who has stood on his own sites at progress-payment time.
Site acquisition through to completion — bank, non-bank and private credit pathways for developers who need capital that matches construction reality rather than a credit policy written for something else.
Non-bank and private pathways where speed or leverage matters. Subject to lender criteria, sponsor profile and valuation.
30 minutes with Priyank. No application, and no lender sees anything until you say so.
Where these deals die
Development finance dies in the gap between the feasibility and the credit paper.
Presale hurdles you cannot meet yet. Gross realisation assumptions the valuer will not share. Equity still locked in the last project. A twelve-week settlement against a sixteen-week approval.
The deal is rarely wrong. The pathway is.
The feasibility and the credit submission are two different documents, and most developers only build one of them. Ours are built on named inputs — Cotality comparable sales, ABS demographics and SQM Research market depth — because a credit committee funds evidence, not optimism. A feasibility persuades you. A credit paper persuades a committee that has never seen your site, does not know your builder, and is looking for a reason to stop reading.
We have written both. One of them from the assessor’s side of the desk.
What most people do
What developers do when the bank says no.
Chase presales you don’t need
Discounted stock sold early to satisfy a policy hurdle can cost more in margin than the cheaper debt saves in interest.
Take the first non-bank quote
Non-bank and private credit is the right answer often. Taking the first one you find is rarely the right version of it.
Put more equity in
Which solves this project and constrains the next two.
Shrink the project
Sometimes correct. Usually it is the funding structure that shrank, not the opportunity.
Each of those changes the project to suit the funding. The alternative is changing the funding to suit the project.
Before you commit
Agree on what a real answer has to do.
Change what the lender sees
The structure and the security — not just the letterhead on the application.
Look at everything you hold, at once
This should not be structured in isolation from the facilities you already carry.
Tell you the truth before you spend money
Including when the answer is that you should not proceed.
Put its own money behind the answer
Anyone will promise you an outcome. Fewer will refund one.
A broker who cannot do all four is an interest-rate comparison with a phone number.
What we actually are
Not an interest-rate broker. A structuring firm.
The developer’s chair
Ten-plus completed projects. His own capital, his own lessons.
Total development cost, funded two ways. Every percentage point that moves out of the equity layer is cash that stays in your next site. Illustrative proportions — the stack achieved depends on the project, the sponsor and lender criteria.
Townhouse developments, subdivisions, rooming houses and co-living accommodation. Priyank is still building and still borrowing to do it — which means he encounters a policy change in the same week you would, not a year later.
He has also run an architectural visualisation studio whose clients were developers, architects, builders and agents across four continents. He knows how a builder prices, where a programme slips, and what an architect can and cannot change once drawings are lodged.
What we can look at before finance
- Feasibility review or build, stress-tested against real construction costs
- Contingency and holding costs through a delay scenario
- Exit assumptions in a softer market
- Entity and structure strategy for the project
- Capital strategy — equity, senior debt, mezzanine (a second layer of funding behind the main loan) and JV options mapped
Clients
Projects funded.
“Refinancing our home to release equity for a land purchase and then securing a separate construction loan… Priyank’s deep understanding of not just finance but the full financial picture was the key. He structured the three-part loan flawlessly.”
Haytal MakadiaConsultant pharmacist · equity release, land and construction“He has helped us with the Financial Feasibility of a few Property Development projects in the Past. He has also helped get us funding for a couple of property development projects.”
Aneel KhowajaDirector, Think Higher · Property developer & investor“Our land came back about $26,000 short across three separate lender valuers, which threatened the whole loan. Most brokers would have accepted it. Priyank didn’t.”
Ami GandhiLand and buildEvery quote is verbatim from a published Google review. Individual outcomes depend on the client’s circumstances, security position and lender criteria at the time.
Who it’s for
This is not for everyone. Deliberately.
We’re a fit if
- Site acquisition, construction and completion funding
- Townhouse developments, subdivisions, dual occupancy and co-living
- Projects seeking funding without presales
- Developers who need non-bank or private credit speed
- Mid-project rescues where the existing pathway has failed
- Completion restructures and residual stock takeouts
We’re not, and we’ll tell you in the first call
- First-time developers with no site, no feasibility and no team
- Projects where the feasibility does not survive a contingency scenario
- Sponsors in arrears or default
- Anyone who will not share the full project financials
Turning away the wrong deal is how we stay fast on the right ones.
Straight answers
Fair questions.
Can I get development finance without presales?
Yes, case by case. Major banks will consider it for the right sponsor with the right project, and non-bank and private credit pathways are built for it. The trade-off is usually cost against speed and leverage, and we set that out explicitly so you are choosing rather than accepting.
How much of the development cost can be funded?
Up to 80% of total development cost through non-bank pathways. Bank pathways typically sit lower but price sharper. Subject to lender criteria, sponsor profile, feasibility and valuation.
What is the difference between a construction loan and development finance?
A construction loan generally funds a build on land you already own, drawn progressively against completed stages. Development finance funds the whole project — site acquisition, construction, holding costs and often the exit — and is assessed against the project’s feasibility rather than only your personal position.
The valuation came in under my contract price. What now?
Do not accept it as final. We arrange independent valuations and challenge lender figures — one of our clients had a $26,000 shortfall across three separate lender valuers corrected this way. It is not always winnable, but accepting the first number without testing it is a choice, not a rule.
Do you fund dual occupancy and small subdivisions?
Yes, and they are frequently the deals that fall between residential and commercial policy — too complex for a home loan, too small for a development desk. That gap is where much of our work sits.
Can you help before I buy the site?
That is the best time to talk. Feasibility, structure and capital strategy set before acquisition are worth far more than finance arranged after it.
Next step
Bring the feasibility. We’ll build the pathway.
Best time to call is before you buy the site.
30 minutes with Priyank. No application, and no lender sees anything until you say so. You’ll know whether we can fund it — and either way, you leave with a plan.
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