Development Loans in Australia – Private Funding from $50K+

Private Development Loans for Australian Property Projects

Whether you're funding a subdivision, commercial site, or residential project, Innovate Funding offers fast and flexible private development loans across Australia. With funding from $50K to $20M, we help developers, investors, and landowners move quickly when traditional banks can’t. Our loans are secured against land, residential, or commercial property with low-doc and no-doc options and turnaround times as fast as 48 hours.

​

Why Use a Private Development Loan?

Private development finance gives you speed and flexibility that traditional banks can’t match. Whether you're waiting on presales, navigating a tight DA timeline, or need capital quickly for land acquisition — a private development loan gives you the edge. These loans are ideal when:

• Banks are too slow or restrictive

• You need low-doc or no-doc finance

• Your project lacks presales or DA approval

• You're funding early-stage costs (land purchase, DA, working capital)

​

​​

​

​

​

​

​

​

​

​

​

​​

​

​

​

​

Our Development Loan Criteria

We fund residential, commercial, and mixed-use development projects across Australia. Here’s what we typically look for:

• Loan Amounts: From $50K to $20M+

• Security Types: Residential, commercial, industrial, or land (with or without DA)

• Locations: Metro, regional, and select rural areas

• LVR: Up to 65% of as-is value, or higher with presales

• Loan Terms: 3 to 12 months (longer loan terms available)

• Documentation: Low doc or no doc — we focus on asset strength, not income

Whether you're working with a JV partner, SPV, or landowning entity, we can structure the loan around your development strategy.

Related: Construction Loans | Second Mortgages

​

What Can Development Loans Be Used For?

At Innovate Funding, we provide flexible development loans tailored to your project’s needs. Our funding can support a wide range of use cases including:

• Land Acquisition – Secure undeveloped or raw land for future development

• Subdivision Funding – Finance site works, services, and compliance for land splits

• Pre-DA or DA-Approved Sites – Unlock equity and commence works ahead of presales

• Early Works & Site Preparation – Clear, level, and prepare the site for construction

• Working Capital – Keep trades and suppliers paid while waiting on progress payments

• Residual Stock Finance – Leverage completed, unsold stock for further development

• Bridging Finance Between Stages – Bridge gaps between construction stages or projects

We can fund projects at different stages — from raw land through to shovel-ready and construction-ready sites.