Why Developers Are Turning to Private Loans
Sydney’s property development market is fast-paced and highly competitive. Opportunities come and go quickly, and developers need to act fast to secure prime sites or get construction underway. Traditional banks, with their lengthy approval processes, rigid lending criteria, and aversion to risk, often aren’t built to support the needs of modern developers.
That’s where private loans step in.
A private loan for property development in Sydney offers an alternative path—one that focuses on the project’s potential rather than the developer’s financial history alone. Whether you’re a seasoned builder or a savvy investor, private funding can help you access the capital you need, when you need it.
What Is a Private Development Loan?
A private development loan is a type of short to medium-term funding provided by non-bank lenders. These loans are typically secured against real estate and are often used for:
- Acquiring raw or DA-approved sites
- Funding construction of townhouses, duplexes, or apartments
- Land subdivisions or rezoning projects
- Bridging finance during development
Private loans are typically interest-only and may have flexible repayment terms depending on your exit strategy—whether that’s refinancing, selling the asset, or moving to a longer-term facility.
The Benefits of Private Lending for Development
- Speed: Private lenders can approve and fund loans in days, not months.
- Flexibility: Tailored loan structures based on the project, not just your credit profile.
- Less Red Tape: Private lenders are generally more focused on the asset and exit plan.
- Custom Terms: Interest-only periods, staged funding, and short-term solutions are available.
These features make private loans ideal for developers navigating tight timeframes, complex zoning issues, or deals that don’t fit a bank’s cookie-cutter model.
The Private Lending Process with Monument Capital
At Monument Capital, we’ve streamlined the process to make it as fast and transparent as possible:
- Deal Assessment: Share your site details, funding needs, and project timeline.
- Proposal Match: We match your project with private lenders in our network.
- Terms & Approval: Review flexible options tailored to your needs.
- Settlement: Secure funding quickly and get your project moving.
We work with a wide network of private lenders in Sydney and across NSW, each with different lending appetites and criteria. This means we can find the right fit for you, no matter the size or complexity of your project.
Is a Private Loan Right for Your Development?
A private loan may be the right choice if:
- You’re acquiring a development site and need fast finance
- Your project is already underway and needs additional funding
- You’re seeking capital to push through DA approval or site works
- Your application was rejected by the bank
If any of these apply, it’s worth having a conversation.
Why Choose Monument Capital?
Monument Capital exists to simplify and accelerate the funding process for property developers. We understand the challenges of acquiring and developing real estate in Sydney. Our goal is to help you access reliable capital with minimal friction—so you can focus on building, not banking.
Reach out to our team today to explore how private lending can work for your next project.
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