Private Development Loans for Land, Subdivision & Early-Stage Projects

Launching a development project often requires funding before construction begins—from purchasing land to completing civil works and securing council approvals. Innovate Funding specialises in private development finance for early-stage projects across Australia, offering fast approvals, flexible LVRs, and commercial-purpose funding without lengthy bank processes.

Whether you’re acquiring a development site, preparing for subdivision, or progressing a DA-approved project, we arrange finance backed by real property to support your next milestone.

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Why Developers Use Private Development Funding

Private development loans are designed for the planning and preparation phase, where timing matters and traditional lenders require extensive feasibility studies or presales.

Benefits include:

• Fast access to capital (48–72 hr approvals possible)

• Suitable for land banks, subdivision & pre-construction

• Low-doc / no-doc options available

• No presales required

• Funding can be structured interest-capitalised

This allows developers to secure sites, complete planning milestones, and move quickly when opportunities arise.

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What We Fund

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​​​​This page focuses on early-stage development. For funding during the build phase, see our Construction Loans.

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Key Loan Features

• Loan amounts: $200K – $25M+

• Security: Residential, commercial, mixed-use, vacant land

• LVR: Typically up to 65% of “as-is” value

• Structure: Interest capitalised or serviced

• Terms: 3–24 months (case-by-case)

• Borrowers: Companies, trusts, SPVs, SMSFs

All loans are business-purpose and asset-secured—not consumer lending.

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Ideal Scenarios We Support

• Acquiring development land without full presales

• Unlocking equity from land banks for new projects

• Funding civil works to increase site valuation

• Bridging finance while approvals are pending

• Releasing capital mid-project to reduce equity contribution

If you need funding for the construction stage, we can structure a seamless transition to a separate post-approval construction facility.

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Case Study

Subdivision Funding – South East Queensland

A developer secured $1.8M land subdivision funding against a rezoned site without presales. Funds covered civil works, DA adjustments, and consultants. Once titles were issued, the site refinanced to a construction facility for townhouse builds.

Outcome: Fast settlement allowed the client to secure the site off-market and progress without waiting for bank approval.

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Apply in Three Simple Steps

1. Submit your project overview

2. We issue terms & conduct valuation

3. Funding settles via private lender network

We work directly with commercial borrowers, brokers, accountants & developers Australia-wide.

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Apply Now for a Private Development Loan

Need capital for land acquisition or subdivision?
Speak with a specialist who understands development timelines. Get Development Finance call 02 8919 3639 or Enquire Online.

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