FINANCE OPTIONS
Property Development Finance – Apply Online Today
Property Development Finance is money borrowed to help fund the building or renovation of properties, usually paid back after the project is finished. If you're thinking about a property project, it's a smart way to get the funds you need. Want to learn more? Just ask!
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
What are the benefits of Property Development Finance?
Property Development Finance provides essential funding for real estate projects, enabling developers to secure necessary capital for construction and renovations. This specialized finance helps streamline the process of turning property ideas into reality, allowing for better planning, increased project feasibility, and faster completion times.
Flexible financing options
Boosts project feasibility
Accelerates development timelines
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What are the different types of Property Development Finance?
Senior Debt Finance
A primary loan secured against the property, usually with the lowest interest rates.
Mezzanine Finance
A hybrid of debt and equity financing, used to bridge funding gaps.
Equity Finance
Funds invested by developers or external investors in exchange for ownership or profit share.
What is Property Development Finance?
The Capital Stack
Property development finance is structured in layers called a capital stack. This usually includes senior debt (the main loan secured against the property), mezzanine finance (extra borrowing between senior debt and the developer’s cash), and equity (money invested by the developer or investors in exchange for a share of the profits). Each layer comes with different levels of risk and return.
Main Types of Finance
There are several types of funding used in property development: senior debt or development loans (usually from banks or specialist lenders), mezzanine finance (second loans to top up funding), and equity finance (developer’s own money or external investors). Some projects use joint ventures, bridging loans, or crowdfunding for extra flexibility.
How Funds Are Used and Repaid
Development finance is typically short-term. Money is drawn down in stages as the project is completed, and interest is often added to the loan rather than paid monthly. The loan is normally repaid when the development is sold or refinanced with a regular mortgage.
Real Scenarios
Construction Company Needing Fast Working Capital
Situation
A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.
Challenge
Traditional bank applications were too slow; they needed a decision and funds within days.
Outcome
Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.
Ecommerce Business Preparing for Peak Season
Situation
An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.
Challenge
They wanted flexible terms and a quick turnaround so stock could be ordered in time.
Outcome
Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.
Marketing Agency Using Invoice Finance
Situation
A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.
Challenge
They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.
Outcome
Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.
Property Developer Using Bridging Finance
Situation
A developer needed short-term finance to complete a purchase before selling an existing property.
Challenge
They required a fast decision and flexible terms to align with the sale timeline.
Outcome
Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
FAQ’S
What is property development finance?
How much can I borrow for property development?
Do I need experience to get development finance?
How is property development finance repaid?
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