Capital for what you’re building.
Complex deals. Clear outcomes.
Development finance for developers who’ve done this before. We qualify the deal, shape a lender-ready brief, and place it with the lender that actually fits. $500k–$15M.
If your deal’s fundable, you’ll know on the first call. If it’s not, we’ll tell you why — and what to fix before it is.
- $500k–$15M
- Loan size we cover
- Days
- To a lender-ready brief
- 20 min
- First conversation
Three deal types. One conversation to work out which one is yours.
Most of what we see is construction, residual stock or bridging. Each goes to a different lender shortlist. We sort that on the first call.
Construction finance
Capital from site contract to certificate of occupancy. Residential and mixed-use.
Residual stock
Project finished, settlements slower than the schedule said. Refinance against the unsold stock.
Bridging
Short-term capital to close a gap — site acquisition before approval, equity release, GST timing.
We work with a panel of major banks, specialist non-bank construction lenders, and private credit funds active in VIC, NSW and QLD — and match each project to the source it actually calls for.
Four kinds of developer. The conversation looks different for each.
If you don’t see yourself here, it’s still a useful conversation. We’ll tell you straight if development finance is the wrong tool for the deal.
First development
One to three townhouses. Your first build after an investment property.
Mid-tier developer
Ten to fifty units. You have done a few; now you want sharper terms.
Builder-developer
You run a building business and you are taking on your own land.
Small-lot developer
A duplex on an inherited block, or a battle-axe subdivision out the back.
From first call to term sheet — before you commit.
- 1
First call
We understand the deal — what you're building, where it's up to, and what you actually need.
- 2
Site & feasibility review
We read the numbers the way a credit team will: feasibility, costs, equity, presales.
- 3
Lender shortlist
Matched to the actual shape of the deal — not whoever we spoke to last.
- 4
Term sheets & structuring
We bring back terms and structure the facility before you commit to anything.
The kinds of deals we’re built for.
Illustrative scenarios only — Forefront Development Finance is a new practice. We’ll publish real case studies once first deals settle, with developer permission.
$4.2M construction facility — 8-townhouse project
A builder-concentration deal the major banks would knock back. The shape that works: a tier-2 non-bank that already knows the builder, at around 65% of end value (ex-GST).
- Loan
- $4.2M
- Lender
- Tier-2 non-bank
$8.6M residual stock — 14 apartments, 9 unsold
The construction lender won't extend past completion. The fix: refinance into a residual stock facility near 60% LVR over ~18 months, so the developer staircases sales instead of fire-selling.
- Loan
- $8.6M
- Term
- 18 months
$1.8M site bridging — 12-month settlement
The vendor wants a 12-month settlement; the developer wants to lock in before planning approval. A private-credit bridge structured to roll straight into the construction facility on approval.
- Loan
- $1.8M
- Lender
- Private credit
Twenty minutes. No obligation. Straight answers.
If your deal is fundable, you will know inside the call. If it is not, you will know why — and what to fix before it is. Either way, twenty minutes well spent.