Private Construction Finance
Access non-bank and private lender construction finance when banks say no. Faster approvals, flexible criteria, and minimal presale requirements for developments that fall outside traditional lending guidelines.
Key Features
Fast Approvals
Indicative terms in days, formal approval in 2-3 weeks
Flexible Criteria
Consider projects banks decline — lower presales, complex sites, first-time developers
Minimal Presales
Some lenders require zero presales to commence construction
Higher LVRs Available
Up to 75% of total development costs through private lending
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationWhen Banks Cannot Fund Your Construction Project
Private construction finance fills the gap left by major banks and institutional lenders. Whether your project has insufficient presales, your development experience is limited, or the site presents complexities that banks shy away from, private lenders offer a viable path forward.
Non-bank construction lenders assess projects on their merits — the quality of the site, the feasibility of the build, and the end value — rather than rigid credit policies. This means approvals for projects that traditional banks simply will not consider.
How Private Construction Finance Works
Private construction loans operate similarly to bank facilities with progressive drawdowns tied to construction milestones. A quantity surveyor monitors progress, and funds are released as each stage is certified. The key differences are speed, flexibility, and cost — rates typically range from 10% to 16% per annum, reflecting the higher risk appetite of private lenders.
We work with a panel of established private lenders and non-bank institutions across Australia. Each has different appetite for project type, location, and developer experience, and we match your project to the most appropriate funder.
Discuss Your Private Construction Finance Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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Start your application today and get a response within 24 hours from our finance specialists.