Development Finance

Who This Is For

Settled Funding Group represents developers, investors, and landowners who need finance for residential, commercial, and industrial development projects. Loans from $200,000 to $15,000,000. We work with individuals, Pty Ltd companies, trusts, and joint venture entities across multi-dwelling residential, commercial build, and specialist development structures.

The borrowers who come to SFG typically have a project ready to move and either want access to a broader lender panel than their bank offers, have been declined and need an alternative, or are dealing with a complex project type or ownership structure that standard lenders are not set up to assess.

Why Banks Decline Development Finance

Banks apply policy-based assessments to development lending. Complex project types, insufficient presales, pre-DA sites, joint venture structures, or borrowers whose income does not fit a standard serviceability model all create friction with bank lenders. Non-bank lenders on SFG's panel assess development scenarios with more flexibility: looking at the project feasibility, the GRV, the exit strategy, and the developer's experience, not just payslips and tax returns.

Types of Development Finance SFG Arranges

SFG arranges finance across the full development lifecycle: land acquisition and site acquisition, land banking, residual stock refinance, joint venture development, triplex, quadplex, townhouse, apartment, boarding house, co-living, NDIS and SDA housing, and commercial and industrial development projects.

Development Finance Broker

Development finance is one of the most fragmented corners of the lending market. Lenders have wildly different appetites for presales, gross realisation value, loan to cost, developer experience, and asset type. A project one lender will not touch is funded comfortably by another. A development finance broker who knows which lenders actually fund your project type, location, and stage saves you weeks of wasted applications, protects your credit file, and opens access to the non-bank and specialist development funders that most developers cannot reach directly.

Settled Funding Group represents you, the developer, not the lender. SFG's panel includes 90+ bank and non-bank lenders, and for unique scenarios that fall outside mainstream criteria, we can introduce you to private finance options. Joseph Farhat reviews your feasibility, DA status, presales, and builder contract, matches the project to the right lender, negotiates terms, and manages the process through to your first construction drawdown. As a broker, we are typically paid by the lender on settlement, so in most cases there is no direct cost to you. If your project is complex, time-critical, or has been declined elsewhere, talk to us early and we will be honest about what is achievable.