Construction and development finance from land bank to residual stock.
Single dwelling construction, multi unit development, mixed use and commercial. Bank, non bank and private capital assembled to the project.
Australian Credit Licence 384704. ABN 87 644 317 902. Any advice is general in nature and does not consider your objectives, financial situation or needs. Lender assessment applies. Outcomes vary by circumstance.
Development finance is where policy nuance matters most. Presale ratios, TDC ratios, LVR, LVC and lender appetite shift constantly. eCapital Funding structures projects across bank, non bank and private tiers, aligning capital to the stage of the project rather than forcing every stage into one lender's box.
Why borrowers choose eCapital Funding
Full capital stack
Senior, stretch senior, mezzanine and equity partners where appropriate.
Presale realism
We tell you the presale hurdle before you list, not after.
Speed to term sheet
Indicative terms within days on a well packaged deal.
Who this suits
- Owner builders and single dwelling construction
- Small developers (2–20 units)
- Mid tier developers requiring stretch senior or mezzanine
- Groups needing land bank or site acquisition finance
- Completed projects requiring residual stock refinance
Our strategy process
- STEP 1
Feasibility review
TDC, GRV, presale strategy and sponsor track record.
- STEP 2
Capital plan
Senior debt, stretch or mezzanine defined and matched to lenders.
- STEP 3
Credit & QS
Full credit submission, QS engagement and valuation.
- STEP 4
Drawdowns
Stage payments managed to completion, then residual stock if needed.
Frequently asked questions
What is the difference between a construction loan and a development loan?
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A construction loan typically funds a single dwelling or renovation for an owner occupier or investor. Development finance funds multi unit residential, commercial or mixed use projects for developers, and is priced and structured very differently including presale requirements, TDC and QS reporting.
What deposit or equity do developers need?
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Bank development finance typically requires around 30–40% total equity contribution based on total development cost (TDC), with presales covering debt. Non bank and private options can go higher on LVR and lower on presales in exchange for higher pricing.
Do you finance owner builders?
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Yes, though the lender panel is narrower and LVRs are lower for owner builder projects. We are transparent about what is realistic before you commit to that path.
How are construction loans drawn down?
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Progress payments are released against builder invoices at defined stages (slab, frame, lock up, fixing, completion) and a quantity surveyor or valuer typically verifies each drawdown for larger projects.
Can you fund residual stock after completion?
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Yes. Residual stock loans refinance completed but unsold development stock, freeing developer capital to move to the next project while unsold units continue to sell.
Explore related lending
Sponsor experience, presales and structure all matter more than headline rate. Let us build the case.
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