DA Approved Development Finance
Access to a nationwide network of 200+ private lenders and specialist funding partners.
Helping developers connect with suitable private lenders for DA approved development finance, approved sites and construction-ready development projects across Australia.
Is this your situation?
DA approved development finance is often needed when a borrower has approval but requires funding for site refinance, construction, pre-construction costs or project commencement.
Your DA is approved
Funding may be required after approval to move the project toward construction or refinance.
You are ready to build
Construction funding may be needed for a townhouse, unit, duplex, apartment or subdivision project.
The bank still will not approve the loan
Banks may still require presales, servicing, experience or conditions that delay funding.
You need pre-construction funding
Funds may be required for consultants, permits, builder deposits, holding costs or site preparation.
You need to refinance the site
An existing land or private facility may need refinancing now that DA has been approved.
You need a clear exit strategy
Private lenders focus on sale, refinance, construction completion or future development exit.
What is DA approved development finance?
DA approved development finance is private funding for a project that has received development approval and needs funding for construction, refinance, pre-construction costs or project progression.
Why DA approval matters
DA approval can strengthen a development scenario because it clarifies the approved use, project size, dwelling yield and potential development pathway.
Where private lenders can help
Some private lenders can assess DA approved projects by looking at the approved plans, site value, GRV, construction budget, cost-to-complete, LVR and exit strategy.
Why banks often decline DA approved development finance.
Even with DA approval, banks can decline where presales, servicing, developer experience, feasibility or construction risk does not fit policy.
Banks commonly decline because of:
- Presales are insufficient or unavailable
- Servicing does not fit bank policy
- Developer experience concerns
- Construction budget or feasibility issues
- Valuation or GRV concerns
- Conditions not yet satisfied
- The project does not fit standard development policy
Private lenders approve based on:
- DA approval and planning status
- Site value and completed value
- Approved plans and project scope
- GRV and marketability
- Construction budget and cost-to-complete
- Loan-to-value position
- Clear sale or refinance exit strategy
Common DA approved development finance scenarios.
These scenarios often require fast private lender assessment rather than a full bank-style application process.
DA Approved Site Finance
Funding for sites with development approval already in place.
Construction Finance After DA
Funding to move from approval into construction.
Townhouse Development Finance
Funding for DA approved townhouse projects.
Unit or Apartment Development Finance
Private funding for selected approved unit and apartment projects.
Duplex and Dual Occupancy Finance
Funding for DA approved duplex or dual occupancy projects.
Pre-Construction Finance
Funding for permits, consultants, builder deposits and holding costs.
DA Approved Site Refinance
Refinance of an approved development site or land facility.
No Pre-Sales DA Approved Funding
Private funding where bank-style presales are difficult.
Urgent Project Commencement
Fast funding where the borrower is ready to start and needs a quick answer.
DA approved projects private lenders can consider.
Every lender has different appetite. The goal is to match the DA approved scenario with lenders that understand the approved project and exit strategy.
Townhouse Projects
DA approved townhouse developments.
Duplex Projects
Approved duplex and dual occupancy projects.
Unit Developments
Approved small to medium unit developments.
Apartment Projects
Selected approved apartment development projects.
Subdivision Projects
DA approved subdivision and land development projects.
Mixed-Use Projects
Selected DA approved mixed-use developments.
Commercial Projects
Selected approved commercial development scenarios.
Residential Infill Sites
Approved infill sites ready for construction or refinance.
What information helps private lenders assess the scenario?
You do not need a full bank-style application to make an initial enquiry, but DA approved scenarios need enough detail for lenders to understand the approval, project and exit pathway.
Property Address
The site address and property details help lenders understand location and security.
DA Approval Details
Approved plans, permit conditions, approval date and project scope.
Construction Budget
Builder quote, cost-to-complete, fixed price contract or estimated works cost.
GRV and Feasibility
Gross realisation value, feasibility and market value estimates.
Loan Amount Required
The site refinance, construction, pre-construction or project funding amount required.
Exit Strategy
Sale, refinance, completion, residual stock refinance or staged sell-down.
Case study: DA approved townhouse project funded privately.
A developer had DA approval for a townhouse project but the bank required presales before releasing development funding.
The borrower wanted to move into construction without delaying the project for a presales campaign.
The scenario was introduced to a private lender that assessed the DA approval, site value, GRV, construction budget and sale exit.
A private facility allowed the borrower to start the project and exit through completed townhouse sales.
Case study: approved site refinanced before construction.
A borrower had a DA approved site but the existing land facility was approaching maturity before construction funding was ready.
The borrower needed to refinance the site and buy time to finalise construction documentation and builder pricing.
The scenario was matched with a private lender that assessed the approved use, site value, equity contribution and future construction exit.
The refinance created time to finalise project requirements and prepare for construction funding.
A simple process designed for fast scenario assessment.
The goal is to get your DA approved development 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 DA approved development finance.
Common questions from developers seeking private funding for DA approved sites and construction-ready projects.
What is DA approved development finance?
DA approved development finance is private funding support for developers who need funding for a DA approved site, construction-ready project or approved development.
Can private lenders help with da approved development finance?
Yes. Private lenders can consider da approved development finance where the security value, loan-to-value position, borrower contribution and exit strategy are acceptable.
Why would a bank decline this scenario?
Banks may decline where servicing does not fit policy, presales are insufficient, the loan has expired, the project has changed or the scenario no longer fits standard development lending criteria.
Can this help if my current lender wants repayment?
Yes. Private lenders can consider short-term refinance or extension options where an existing lender requires repayment and the project needs more time.
Can this be used before construction starts?
Yes. Some private lenders can consider funding before construction where the site, planning status, valuation, equity contribution and exit strategy support the loan.
Can this be used for a completed project?
Yes. Depending on the scenario, funding may assist with completion, residual stock, sell-down, refinance or loan 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, existing debt, valuation and exit strategy.
What information is needed for an initial assessment?
Useful information includes the property address, current debt, project status, planning position, loan amount required, value estimate, GRV and exit strategy.
Can I refinance from one private lender to another?
Yes. Private-to-private refinance may be possible where the current facility needs to be repaid and the new lender is comfortable with the asset, LVR and exit.
Can this help avoid a forced sale?
Yes. A short-term private facility can create time for sale, refinance, completion or settlement instead of forcing a rushed exit.
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 DA approved project?
Submit the key details of the site, DA approval, project type, construction budget, loan amount, GRV and exit strategy so the scenario can be matched with suitable private lenders.
Submit your DA approved development finance scenario.
Send through the key details of the site, DA approval, project type, construction budget, loan amount, GRV and exit strategy.