Construction Finance
Construction and development finance lives or dies on staging, drawdowns and cash-flow timing. We help builders and developers structure funding that releases capital as the project needs it — and that lenders are willing to back.
The Problem
Development finance is unforgiving. Mis-timed drawdowns, thin contingency and structures that ignore how a build actually progresses can stall a viable project halfway through.
Strategic Considerations
Costs, values and margin tested before funding is sought.
Releasing capital in step with verified progress.
Building in realistic buffers for cost and time.
How commitments affect lender appetite and terms.
Planning the refinance or sale that repays the facility.
Aligning finance with the realistic build timeline.
Capital Options
Staged facilities that fund the build against progress.
Financing that converts to a term mortgage on completion.
Structured funding for ground-up and larger projects.
Funding site acquisition ahead of the main facility.
Flexible or fast funding for complex projects.
Bridging the gap between senior debt and equity.
Our Advisory Role
We work with your cost plan and programme to design a drawdown structure that keeps the project moving, and present it to lenders who understand construction risk.
How our advisory engagement worksExecution Process
We confirm the project is fundable and how best to fund it.
We test costs, values, margin and programme.
We design senior, mezzanine and drawdown structure.
We assemble the development finance pack.
We source and negotiate the facilities.
We coordinate conditions, then manage drawdowns to completion.
Frequently Asked Questions
In stages, against verified progress — typically confirmed by a quantity surveyor or inspection. We design the drawdown schedule so funding arrives when the build needs it.
Not always, but commitments materially improve lender appetite and terms. We advise on how much is worth securing before seeking finance.
The construction facility is repaid by an exit — a sale, or a refinance onto term debt. We plan that take-out from the very beginning.
Yes. Land and bridge finance ahead of the main facility is common, and we structure the two so they work together.
Realistic contingency is built into the structure from the outset. Under-provisioning for overruns is one of the most common causes of stalled projects, and we plan against it.
Let's Begin
Book a capital strategy call and we'll structure construction funding that matches your programme.