Fast business loans for property developers

Development runs on dates that do not move: deposit due on exchange, settlement on a fixed day, council fees on lodgement, holding costs every month a project waits. Meanwhile, the money to cover them often depends on approvals, presales or other settlements that run on their own timetable. Fast, property-secured funding keeps a project moving when the timing does not line up.

Where developers need fast money

• Deposits on sites or off-market opportunities with short exchange windows.
• Settlement shortfalls when a lender’s valuation comes in below the price.
• Holding costs: land tax, rates, interest and consultants while approvals are pending.
• Bridging between site settlement and construction finance.
• Residual stock: carrying completed units while they sell.

How fast funding works for developers

Our property-secured business loans run from $20k to $5m, against residential or commercial property. No valuation is needed, so approval within the hour is common and funds within 24 hours is possible when every owner signs. Interest can be prepaid or added, which suits projects that will not produce income until sale or completion.

If you would rather talk than read, enquire online or call 07 3106 8922 and a person will walk you through it.

The fast-funding timeline

When	What happens	Your job
Minute 0	You send the 60-second enquiry	Answer accurately
Within minutes	A real person calls in business hours	Keep your phone close
Within the hour	Approval is common once statements or property details are in	Share them straight away
Same day	Documents arrive for electronic signing	Make sure every signatory is ready
Within 24 hours	Funds can land in your account	Confirm payment details early

The exit is the decision

Exit	What helps
Sale of completed stock	Contracts, agent appraisals, marketing plan
Refinance to construction finance	Term sheet or approval, expected settlement
Sale of another property	Contract or appraisal
Refinance to investment finance	Lender pre-approval and rental evidence

Speed tips for developers

• Keep a one-page summary of each project: site, approvals status, finance in place and expected exit.
• Know which entity owns which property, including trust and company details.
• Ask your conveyancer for settlement figures early.
• Build realistic delays into every timeline.

A worked example (illustrative)

A small developer on the Gold Coast exchanges on a duplex site with a 30-day settlement, expecting a bank to fund most of the price. The bank’s valuation comes in short, leaving about $290,000 to find. The developer offers a completed unit from a previous project as security, is approved within the hour with interest added and settles on time. The loan is repaid when the unit sells three months later.

Watch the holding costs

Every month a project waits costs land tax, rates and interest. Fast funding is useful, but realistic timelines and contingencies are what protect a developer’s margin. Check your state revenue office for land tax and duty obligations before you commit.

Your fast-funding checklist

Most delays come from documents that are not ready when they are asked for. Line these up before you enquire:

• Contract of sale and settlement date
• Project summary and approval status
• Security property details and existing loans
• Entity, trust and company documents
• Exit evidence

Speed bumps to avoid

In our experience, delays usually come from one of these:

• Property held across several trusts
• No clear exit
• Approvals assumed but not yet granted
• Investors or co-owners who need to sign

A note on the enquiry form

The enquiry takes about 60 seconds, and those 60 seconds decide how smoothly everything after it goes. Accurate figures for revenue and the amount, a straight answer about credit history and a clear yes or no on property mean the assessor can move straight to the decision. Guesswork means rework, and rework is the enemy of a 24-hour turnaround.

Before you go

• Deposits and settlements run on fixed contract dates
• Holding costs add up while approvals are pending
• Property-secured loans need no valuation
• A clear exit is essential: sale, refinance or construction finance

From enquiry to funds

We have built the process around deadlines because that is when most owners come to us. The enquiry asks only what matters, a person rather than a queue reviews it, and the evidence is gathered in one go. Property-secured loans are assessed without a valuation. Interest on those loans can even be prepaid or added, so there may be nothing to repay during the term. Put together, approval within the hour is common and funds can arrive in as little as 24 hours.

Let’s get it moving

One enquiry, one team, one conversation. We do not run a credit check when you enquire and we do not send your details to a list of lenders. Give us honest, accurate answers and we will give you a straight answer about what is possible and how fast. Start your 60-second enquiry.