Construction Finance
Funding for small developments banks find too complex.
The deals too small for a bank's development desk but too big for a home loan — small-scale development finance placed across our panel.
Small developments, properly funded.
Small developments fall into a gap: too involved for a standard construction loan, too small for a bank's project-finance desk to bother with. We arrange small-scale development finance and place it with funders on our panel who specialise in exactly these boutique projects.
Whether it's a handful of townhouses, a small unit block, a subdivision or a mixed-use infill site, we structure the facility around total development cost, end value and your exit — senior debt, and stretch or mezzanine where the deal needs it. This is business-purpose finance for developers with an ABN, building to sell or hold, not consumer lending.
Years of credit experience mean we know the lenders who price small deals keenly, who fund with limited pre-sales, and who can move quickly. Indicative answer in 24 hours, staged drawdowns, and a structure that fits the project rather than a bank's template.
Why arrange your development through X Private.
Specialists in small deals
We place with lenders who want boutique projects, not banks that treat them as too small to bother.
Whole-of-stack structuring
Senior debt, plus stretch or mezzanine where needed, so the project is fully funded.
Up to 80% of cost
Leverage against total development cost to keep more of your capital free for the next deal.
Limited pre-sales considered
Funding with modest or no pre-sales where GRV, cost and location stack up.
Staged, QS-monitored drawdowns
Funds released as the build progresses, so you pay interest only on what's drawn.
Move at deal speed
Indicative answer in 24 hours so a competitive site doesn't get away.
What we arrange.
Boutique residential and mixed-use development for a business purpose. Common scenarios:
- Small townhouse and villa projects
- Boutique unit and apartment blocks
- Two-to-ten dwelling developments
- Small subdivisions and infill sites
- Mixed-use and commercial-residential projects
- Stretch or mezzanine to reduce equity in
- Developments with limited pre-sales
- Refinancing a stalled small development
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.
Small projects often fall between a standard construction loan and a bank's project-finance desk — too complex for one, too small for the other. Our non-bank panel includes lenders who specialise in boutique developments and price them properly, which is why we can place them.
We're a specialist property finance brokerage: we place small-scale development finance with the most suitable funders from our panel of 50+ non-bank and private lenders.
No — this is business-purpose development finance. It funds projects built to sell or hold, never an owner-occupied home.
Often, yes. Several of our lenders fund small developments with limited or no pre-sales where the fundamentals are strong. We match your project to the right one.
Against total development cost (often up to ~80% LTC) and end value, with staged drawdowns verified by a quantity surveyor. We'll model it with you and place it accordingly.