Development Finance Explained: Funding Your Property Projects with Confidence
Development finance is specialist funding for property projects, helping developers bring their residential or commercial schemes to life. Unlike traditional loans, development finance is tailored to the unique needs of construction, refurbishment, or conversion projects.
“Development finance isn’t just lending – it’s partnership,” Phil says. “We work closely with developers to structure funding that matches their project timeline and cashflow needs.”
What is Development Finance?
Development finance is a short-to-medium-term loan designed specifically for property development. It can cover land acquisition, construction costs, refurbishment and associated project expenses. Developers often use it to bridge gaps between equity and traditional bank lending.
Key features include:
Loan sizes: £100,000 – £10 million
Loan-to-Gross Development Value (LTGDV): Up to 65% for residential, 75% for commercial
Loan-to-Cost (LTC): Up to 90%
Terms: Up to 24 months
Flexible drawdowns: Released in stages to match your build programme
How Does Development Finance Work?
- The process is designed to support developers throughout the project lifecycle:
- Initial enquiry: Share project details, including plans, budgets, and timelines
- Indicative terms: We review and provide tailored financing options
- Site visit & appraisal: Conducted quickly by Goldentree’s experienced team
- Offer letter issued: Fast-track approval within 24 hours of site visit
- Drawdown: Stage payments released according to monitoring surveys and project milestones
“We streamline the process so developers can focus on building,” Phil explains. “Our in-house team manages legal, financial, and monitoring processes to minimise delays.”
Why Choose Goldentree Development Finance?
Goldentree provides:
- Private, flexible funding decisions
- Direct payments to suppliers for smoother cashflow
- Equity release from existing schemes to fund new projects
- Planning gain and vendor-deferred purchases accepted
- Suitable for:
- Residential: new builds, conversions, multi-unit developments
- Commercial: warehouses, retail spaces, industrial units, mixed-use schemes
Development finance is about more than money – it’s about enabling developers to deliver projects on time and on budget. With Goldentree, you get expert guidance, fast approvals, and flexible structures designed for success.
“Our goal is to make property development achievable and stress-free,” Phil concludes. “We provide certainty when timing matters most.”
Speak to a development finance specialist today at 📞 01925 846 420 or 📧 info@goldentreefs.co.uk
Our view: Speed only matters if it’s backed by certainty.
