Who it suits
- Property developers and builders
- Borrowers acquiring development sites
- Projects requiring phased drawdowns
- Developers with non-standard income or structures
Asset-Backed Private Credit
Property Development Finance
Capital arranged for Australian property developers and builders, secured against development land or sites.
Development finance funds land acquisition, pre-construction works and construction. Private Credit AI helps arrange asset-backed private credit for development projects where the borrower’s structure, timing or asset does not fit mainstream bank criteria.
Security
- First mortgage over the development land or site
- Security assessed on the current and end value
- Loan-to-value ratio depends on stage, location and presales
Typical use cases
- Land acquisition for subdivision
- Pre-development civil works
- Construction and development drawdowns
- Refinancing an expiring development facility
Documents you may need
- Feasibility study and development budget
- Planning approvals where applicable
- Builder quotes and construction program
- Valuation and a clear exit strategy
The enquiry process
Submit an enquiry
Tell us about your asset, requirement and timing.
Review & indicative options
We assess the security and outline indicative options.
Valuation & due diligence
The security is valued and due diligence completed.
Settlement
The facility is documented and settled.
Indicative only. Timing and terms depend on the asset, security and due diligence. See our rates page for general pricing guidance.
Frequently Asked Questions
What security is required for development finance?
Funding is secured by a registered mortgage or caveat over real property. The security position (first or second mortgage) and loan-to-value ratio depend on the asset, the transaction and your exit strategy.
What documents will I need to provide?
Typically we ask for a current property valuation, certificate of title, details of any existing finance, and information that supports your exit strategy. We confirm the exact document list after reviewing your enquiry.
How quickly can development finance be arranged?
Timing depends on the asset, the security structure and how complete your documentation is. Private credit can often be arranged more quickly than conventional bank finance, but we provide an indicative timeframe only after reviewing your situation.
Is this suitable for developers with complex structures?
These solutions may suit business owners, company directors, property investors and self-employed borrowers whose circumstances make standard bank finance difficult — for example, complex ownership structures, tax-effective income, or cross-border assets.
Does Private Credit AI lend directly?
Private Credit AI helps arrange and connect borrowers with asset-backed private credit solutions. We are not a deposit-taking institution, and any facility is subject to the security, due diligence and terms agreed with the relevant capital provider.
What are the next steps to enquire?
Submit an enquiry via our contact page or start an application. We review your situation and outline indicative options before any valuation or due diligence begins.
These answers are general information only and do not constitute an offer of finance. See our disclaimer and FAQ page.
Related finance solutions
Explore other asset-backed private credit options for Australian borrowers.
Ready to discuss your requirement?
Submit an enquiry and we’ll review your asset and situation before outlining indicative options.