Commercial Construction Finance
Access to a nationwide network of 200+ private lenders and specialist funding partners.
Helping developers connect with suitable private lenders for commercial construction finance, commercial construction loans and commercial property builds across Australia.
Is this your situation?
Commercial construction finance is often needed for borrowers building, completing or refinancing commercial property projects such as warehouses, offices, retail, industrial or mixed commercial sites.
You are building commercial property
Funding may be required for warehouses, offices, retail, industrial or specialist commercial buildings.
You need construction funding
Private lenders can consider commercial construction costs, progress payments and completion funding.
The bank will not approve the loan
Banks can be conservative where leases, servicing, valuation or project risk does not fit policy.
You have approval or permits
Planning approval, permits and builder pricing can help support lender assessment.
You need to refinance during construction
An existing commercial site or construction facility may need refinancing.
You need a clear exit strategy
Exit may be sale, lease-up then refinance, bank refinance or business repayment.
What is commercial construction finance?
Commercial construction finance is funding used to build, complete or refinance commercial property projects, including warehouses, offices, retail premises, industrial buildings and specialist commercial sites.
Why commercial construction needs specialist funding
Commercial projects can involve leasing risk, valuation complexity, construction risk, tenant demand, business cash flow and more complex refinance exits.
Where private lenders can help
Some private lenders can assess commercial construction by reviewing the security, approvals, construction budget, current value, completed value, lease or sale strategy and exit plan.
Why banks often decline commercial construction finance.
Banks can be conservative where commercial construction risk, leasing, servicing or valuation does not fit standard policy.
Banks commonly decline because of:
- No pre-lease or tenant commitment
- Servicing does not fit policy
- Commercial valuation concerns
- Construction budget or feasibility issues
- Specialised property type
- Project timing or borrower experience concerns
- The scenario does not fit standard bank policy
Private lenders approve based on:
- Security value and completed value
- Approval status and project scope
- Construction budget and cost-to-complete
- Commercial marketability
- Lease, sale or refinance strategy
- Loan-to-value position
- Clear sale, refinance or business exit strategy
Common commercial construction finance scenarios.
These scenarios often require fast private lender assessment rather than a full bank-style application process.
Warehouse Construction Finance
Funding for warehouse and industrial construction projects.
Office Construction Finance
Private funding for selected office construction projects.
Retail Construction Finance
Funding for retail premises, showrooms and commercial buildings.
Commercial Completion Funding
Funding to complete commercial construction or fitout works.
Commercial Construction Refinance
Refinance of an existing commercial construction or private facility.
No Pre-Lease Construction Finance
Private assessment where bank-style leasing requirements are difficult.
Commercial Cost Overruns
Additional funding where commercial construction costs have increased.
Commercial Construction Exit Finance
Short-term funding to complete, sell, lease or refinance.
Urgent Commercial Construction Funding
Fast funding where timing, settlement or contractors require a quick answer.
Commercial construction projects private lenders can consider.
Every lender has different appetite. The goal is to match the commercial construction scenario with lenders that understand the property type and exit strategy.
Warehouses
Commercial construction finance for warehouse projects.
Industrial Buildings
Funding for selected industrial construction scenarios.
Retail Premises
Retail, showroom and bulky goods construction projects.
Office Projects
Selected office construction and completion funding.
Commercial Units
Small commercial unit construction projects.
Mixed Commercial Sites
Projects with multiple commercial components.
Owner-Occupier Commercial Builds
Selected business owner commercial construction scenarios.
Partially Completed Commercial Builds
Incomplete or delayed commercial construction projects.
What information helps private lenders assess the scenario?
You do not need a full bank-style application to make an initial enquiry, but commercial construction scenarios need enough detail for lenders to understand the asset, build and exit pathway.
Property Address
The address and property details help lenders understand location and security.
Commercial Property Type
Warehouse, industrial, retail, office, commercial unit or specialist use.
Planning and Permits
Approval status, permits, drawings and project scope.
Loan Amount Required
The construction, refinance, completion, top-up or exit funding amount required.
Value and Budget
Current value, completed value, construction budget and cost-to-complete.
Exit Strategy
Sale, lease-up, refinance, bank refinance or business repayment.
Case study: warehouse construction funded privately.
A borrower had approval for a warehouse project but bank approval was delayed by lease and servicing requirements.
The borrower needed construction funding to commence works and avoid builder cost increases.
The scenario was introduced to a private lender that assessed the land value, approvals, construction budget, completed value and refinance exit.
A private facility allowed construction to commence while the borrower prepared the longer-term refinance exit.
Case study: commercial construction cost overrun refinanced.
A commercial project was part-way through construction when costs increased beyond the original budget.
The bank would not provide the additional funding needed to complete the project.
The scenario was matched with a private lender that assessed current value, remaining works, completed value and exit strategy.
The borrower secured additional funding, completed the build and exited through refinance.
A simple process designed for fast scenario assessment.
The goal is to get your commercial construction finance scenario in front of suitable private lenders quickly and receive indicative funding options within 24 hours.
- Submit your scenario
- We match your deal with suitable private lenders
- A private lender will make contact
- Receive indicative funding options within 24 hours
Frequently asked questions about commercial construction finance.
Common questions from borrowers considering private funding for commercial construction projects.
What is Commercial construction finance?
Commercial construction finance is private funding used to assist with commercial property construction, completion, refinance and project funding.
Can private lenders help with commercial construction finance?
Yes. Private lenders can consider commercial construction finance where the security value, project stage, loan-to-value position, borrower contribution and exit strategy are acceptable.
Why would a bank decline this scenario?
Banks may decline where leasing, presales, servicing, valuation, construction risk, borrower experience or project complexity does not fit standard lending policy.
Can this funding be used before construction starts?
Yes. Some private lenders can consider funding before construction starts where the site, approvals, project feasibility and exit strategy support the loan.
Can this funding be used for construction?
Yes. Depending on the project and lender appetite, funding may assist with construction costs, progress payments, completion funding or cost-to-complete requirements.
Can this funding be used to refinance an existing facility?
Yes. Existing land, commercial, development, construction or private facilities can sometimes be refinanced where the new lender is comfortable with the security and exit.
Do I need full financials or tax returns?
Not always. Many private lenders focus on the asset, valuation, project stage, LVR and exit strategy rather than requiring a full bank-style application upfront.
How quickly can the scenario be assessed?
Indicative responses can be obtained within 24hrs where the borrower provides the address, loan amount, project stage, value estimate and exit strategy.
What information is needed for an initial assessment?
Useful information includes the property address, project type, planning status, construction budget, current debt, value estimate, GRV and proposed exit strategy.
Can private lenders consider projects without presales or pre-leases?
Some private lenders can consider scenarios without presales or pre-leases where the security, LVR, borrower contribution, marketability and exit strategy are strong enough.
What is the usual exit strategy?
The exit may be sale, refinance, lease-up then refinance, completed stock sale, bank refinance or another clear repayment pathway.
Who contacts me after I submit the scenario?
Once the scenario is reviewed and matched with suitable lending partners, a private lender or their representative can contact you directly to confirm requirements, structure and next steps.
Related development finance scenarios.
Every development project is different. Explore other private development finance scenarios that may also match your situation.
Funding Problems
Construction & Development
Land, Planning & Civil Works
Need finance for a commercial construction project?
Submit the key details of the property, construction budget, loan amount, value estimate and exit strategy so the scenario can be matched with suitable private lenders.
Submit your commercial construction finance scenario.
Send through the key details of the property, construction budget, loan amount, value estimate and exit strategy.