Development Finance
Tailored Funding for Property Developers and Investors
Typical Loan Terms:
Feature:
Typical Range:
Loan Size:
£100,000 – £50 million+
Loan Term:
6 – 36 months
Loan to GDV:
Up to 75% GDV (gross development value)
Loan to Cost (LTC):
Up to 90%
Interest Rates:
From 0.65% per month (project dependent)
Funding Type:
Staged drawdowns
Speed:
Indicative terms within 48 hours.
Discover Our Development Finance Solutions
At Springboard Funding, we arrange unregulated development finance for residential, commercial, and mixed use projects across the UK. Whether you’re building from the ground up or converting existing property, we can source fast, flexible, and structured funding to help you complete your development successfully.
This type of finance can cover:
Development finance is a short to medium term funding solution used to finance the construction, conversion, or refurbishment of property projects. It’s typically designed for property developers, limited companies, and SPVs, rather than homeowners.
- Land acquisition (with or without planning permission)
- Build costs (drawn in stages or tranches)
- Conversions or refurbishments
- Mixed use or commercial developments
- Part completed projects or exit strategies for existing builds
Development finance is usually unregulated, as it’s used for business or investment purposes rather than personal or residential occupation.
Why Developers Choose Springboard Funding
Whole of market access: we work with banks, challenger lenders, and private funders.
Tailored structures: from senior debt and stretch to mezzanine solutions.
Flexible exits: refinance, sales, or exit bridging.
Fast decisions: early term sheets and rapid credit approvals.
Experienced team: deep knowledge of residential, commercial, and mixed use projects.
Who Qualifies for Development Finance
Suitable for:
- Limited companies (SPVs) and experienced developers
- Property investors seeking refurbishment or conversion funding
- Joint venture projects with equity partners
- Developments in progress needing refinance or top up funding
We consider projects of all scales from single unit builds to multi million pound mixed use schemes.
Case Studies
Scotland
10 House Development
Loan Amount: £1.2m
Loan Term: 24 months
LTDV: 60%
Charge: 1st
Overview:
An attractive parcel of land on a golf course had planning permission for ten dwellings. The developer acquired the site as part payment for works carried out on an adjoining hotel. Development stalled due to a breach of a Section 30 notice, and cost overruns on the hotel placed the developer in a tight financial position.
Solution:
- Restructured the existing funding to stabilise the project.
- Arranged a refinancing package to provide stretch funding.
- Enabled work on the dwellings to restart and progress to completion.
Outcome:
The development was successfully completed, and although the final profit was reduced, the project was delivered and value was realised.
Frequently Asked Questions
We have compiled a list of frequently asked questions to help you find instant answers to your queries
What security is required?
Typically a first legal charge on the development site or property, with personal or corporate guarantees depending on structure.
Can I fund 100% of build costs?
Some lenders can fund up to 100% of build costs, provided total borrowing remains within agreed LTV/LTC limits.
Do I need experience?
Development experience helps, we can also find support for less experienced or 1st time developers with experienced contractors.
How are funds released?
Usually in staged drawdowns based on progress valuations confirmed by a monitoring surveyor.
⚠️ Important Notice: We arrange unregulated bridging and development finance for property investors, companies, and developers. Our services are not regulated by the Financial Conduct Authority (FCA) and do not apply to owner occupied or consumer residential lending.