Construction Finance
Finance to finish a stalled or distressed build.
Builder gone, lender pulled out, or costs blown out — completion and rescue finance to get the project over the line, placed fast.
Get a stalled project moving again.
Builds stall for all sorts of reasons — a builder collapses, the original lender pulls out, costs blow past the budget, or a deadline arrives with the project unfinished. We arrange completion and rescue finance and place it with funders on our panel who specialise in getting distressed projects over the line.
We refinance the incumbent lender where needed and fund the cost-to-complete, so the project reaches a saleable or refinanceable state rather than sitting half-built and bleeding holding costs. This is business-purpose finance for developers with an ABN, finishing property to sell or hold — not consumer lending.
Speed and structure matter most here. We move fast, take a clear-eyed view of cost-to-complete and end value, and place the deal with a lender comfortable with the situation. Indicative answer in 24 hours.
Why arrange rescue finance through X Private.
Take out the incumbent
Refinance a lender that's called the loan or pulled out, so the project isn't forced into a sale.
Fund cost-to-complete
Money to finish the build — new builder, remaining trades and the works needed to reach completion.
Move fast on distress
A stalled, deadline-driven project is exactly what we prioritise — indicative answer in 24 hours.
Lenders who do this daily
We place with specialist funders comfortable with half-built security and a recovery plan.
Structured on the exit
Built around a realistic cost-to-complete and a credible sale or refinance exit.
Stop the bleed
Get the project finished and saleable before holding costs and interest erode the margin.
When rescue finance fits.
Built for projects in trouble. Common scenarios:
- Builder insolvency mid-construction
- The original lender has called or exited the loan
- Cost blow-outs the current facility won't cover
- A construction deadline arriving unfinished
- Replacing a builder and funding the rest of the works
- Disputes that have stalled the program
- Distressed sites bought to complete and on-sell
- Bridging to completion ahead of a planned refinance
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
Yes — that's one of the most common scenarios we handle. We can refinance the existing lender if needed and fund the cost-to-complete with a new builder, so the project reaches a saleable or refinanceable state.
We're a specialist property finance brokerage: we place completion and rescue finance with the most suitable funder from our panel of 50+ non-bank and private lenders.
No — this is business-purpose finance for developers. It funds projects being completed to sell or hold, never an owner-occupied home.
Quickly — speed is the whole point. You'll have an indicative answer within 24 hours and we prioritise lenders who can settle before a deadline or enforcement event.
On the cost-to-complete, the end value, and the credibility of the team finishing it. A quantity surveyor typically assesses the works, and we structure drawdowns to complete the build safely.