Get Approved Today
Get Approved Today

Builder & Development Financing

Book A Builder & Development Financing Call

Customized For New Projects

Putting a shovel in the ground is the last step in a long chain: site acquisition, design, approvals, budgeting, and—if it’s done right—financing that matches your construction timeline, draw needs, and exit plan. Builder & development financing is not just “a bigger mortgage.” Lenders look at the sponsor, the land, the numbers, and the strategy as one package. This service is about structuring that package properly—so your project is financeable on day one and stays supported through to completion and sale or take-out.

How We Look At Builder And Development Deals

Before we talk about rates or lenders, we assess the project the way a credit team will: is the plan coherent, are the numbers defensible, and does the financing structure line up with how and when the work will actually occur.

Project Snapshot And Story

We start by understanding the opportunity in plain language: what you’re building, where it is, who it’s for, and how you intend to exit or hold. That gives context to the drawings, budgets, and timelines and helps shape which funding channels make sense.

Sponsor And Track Record Review

We look at your experience, past projects, and current obligations. Even if you’re stepping up from smaller builds, there are ways to frame your history so lenders see capability rather than just loan size.

Feasibility Against Lender Criteria

We map the plan against typical lender expectations: loan-to-cost, loan-to-value, pre-sale or pre-lease requirements, contingency levels, and minimum equity. If something is out of line, we flag it early so you can adjust before the file goes in.

Components Of A Sound Financing Structure

A good development loan is more than “how much can I borrow?” It’s the mix of facilities, terms, and conditions that keeps the project moving.

Land And Acquisition Funding

We determine whether the land is best financed with a separate facility, rolled into the construction loan, or a blend—taking into account timing, leverage, and your capital stack. The goal is to avoid tight cash positions before you even start vertical work.

Construction Facility And Draw Mechanics

We outline how funds will be advanced: milestones, inspection requirements, holdbacks, and reporting expectations. A clear draw schedule aligned with your trade payments and supplier terms reduces friction once work is underway.

Interest, Reserves, And Covenants

We clarify how interest will be handled (pay-as-you-go vs. interest reserve), what ratios or pre-sale thresholds must be maintained, and how cost overruns or change orders will be treated. This avoids surprises halfway through a build.

Exit Or Take-Out Strategy

From the start, we define whether you intend to sell out, refinance into term debt, or retain units. That informs term length, repayment expectations, and which lenders are a realistic fit.

Project Lifecycle: From Land To Completed Build

Financing needs change as the project moves forward. We plan for each phase instead of treating it as one static loan.
Phase 1

Acquisition And Planning

We align funding with the land close, early soft costs (design, surveys, approvals), and any initial servicing work. At this stage, we’re also positioning the deal for the eventual construction lender.
Phase 1
Phase 2

Construction And Draws

Once the build starts, predictability is key. We help you manage the flow of reports, inspections, and funding requests so you’re not waiting on money while crews are on site.
Phase 2
Phase 3

Stabilization And Exit

As units are sold or leased and work wraps up, we transition focus to discharges, buyer closings, or a term refinance. The objective is a clean handoff from construction debt to your long-term plan.
Phase 3

Builders And Projects This Service Suits Best

Not every project requires this level of structure. This work is aimed at builders and developers who want a deliberate funding plan, not just “whatever the bank will do.”
21

Custom And Infill Home Builders

If you’re building one-off homes or small infill sites, we help you secure practical construction facilities that match shorter timelines and tighter neighbourhood constraints.

Small And Mid-Sized Developers

For multi-unit townhomes, small apartment blocks, or mixed-use sites, we help you coordinate the financing around staging, pre-sales, and municipal conditions.

Contractors Moving Into Their Own Projects

If you’ve been on the construction side and are starting to run your own developments, we help translate your on-site experience into a lender-ready narrative and capital plan.

FAQs

It depends on project type and lender class, but you should expect to commit meaningful capital. We’ll map realistic leverage ranges so you know what’s required before you commit to land and contracts.
Many projects do. We’ll outline what level is typically required and when you need to hit those targets for financing to proceed.
We plan for contingencies at the front end and discuss how overruns would be covered. Lenders expect a buffer; we make sure it’s built into your numbers.
Sometimes, but not always. In other cases, it’s cleaner to separate land, construction, and take-out. We’ll advise based on the size and profile of your project.

Moving Your Project Forward

If you’re evaluating a site, working on plans, or already holding land without a clear financing map, this is the point to put structure around the money side. Send through a brief outline of the project—location, type, estimated budget, and your experience—and we’ll set up a session to turn that into a financing strategy that supports the build from first draw to final close.
Schedule Your Builder & Development Financing Call
Prefer email or a direct conversation? Reach out with your project details and we’ll start there.
Scroll to Top