Property Development & Construction Finance
Construction & Development Finance Built Around Your Project.
Senior debt. Mezzanine finance. Structured equity. Bridging and top-up capital.
Funding solutions from $5m to $100m+
ACM Finance brings together multiple sources of capital to structure funding around the requirements of your development, from acquisition through construction and completion.
Construction funding built around the project
We structure capital around the project.
A development can be fundamentally sound and still fall outside a traditional lender’s criteria.
That may be because the capital stack is incomplete, construction costs have moved, presales are lower than expected, settlement is approaching or the existing finance no longer reflects the reality of the project.
We assess the complete development and determine how the capital can be structured around what is actually required to get it funded and completed.
Ready to commence construction
You have a viable project and require construction finance structured around the total capital requirement.
Your senior facility doesn't cover the full project
There is a gap between the senior loan offered and the capital required to complete.
Construction costs have moved
The original funding structure no longer reflects the revised build budget or remaining costs to complete.
You need to bridge a funding gap
Settlement, acquisition, refinance or timing between funding stages requires short-term capital.
Additional capital is required
Mezzanine, top-up or structured equity may be needed to complete the capital stack.
The project is already underway
A change in lender, costs, timing or funding requirement means the existing structure needs to be reassessed.
The right structure may require more than one lender.
ACM Finance is not tied to a single lender, or funding product. We operate our own fund and work with a select group of long-term funding partners and a network of private investors.
| Senior Debt | Primary first mortgage funding for acquisition, development and construction. |
| Mezzanine Finance | Subordinated capital used where senior debt does not meet the project’s total funding requirement. |
| Structured Equity | Equity capital for suitable projects where debt alone does not complete the required capital structure. |
Property development finance
Funding across the development lifecycle.
01
Construction Finance
Funding structured around the project feasibility, construction budget, costs to complete, valuation, QS reporting, equity, presales and proposed exit.
02
Mezzanine & Top-Up Finance
Additional capital where the senior construction facility does not cover the project’s remaining funding requirement.
03
Structured Equity
Equity funding for suitable developments requiring additional capital alongside senior or mezzanine facilities.
04
Bridging & Refinancing
Short-term property-backed finance for acquisitions, settlements, refinancing and time-sensitive funding requirements.
05
Development Site Finance
Finance for the acquisition, refinance or holding of development sites while approvals, documentation or construction funding progresses.
06
Part-Completed Developments
Funding solutions for suitable projects where construction has commenced and the original finance structure needs to change.
From acquisition to completion
Think beyond the next loan.
Acquisition
Pre-Construction
Progress planning, documentation and preparation for construction.
Construction
Completion
Exit
Selected transactions
Funding structures built around real projects.
Central Coast, NSW
Land Subdivision
$22m Funding
First and second mortgage funding was required structured around the staged construction requirements.
Senior Debt + Top-Up Capital
Sunshine, VIC
Construction Loan
$19M Construction Facility
Construction funding for 23 warehouse development in Sunshine, VIC.
Construction Finance
Sydenham, VIC
Construction Loan
$8.6M Funding
A layered first and second mortgage structure bringing together multiple sources of capital to meet the project’s funding requirement.
Senior Debt + Mezzanine Finance
We understand the development, not just the loan.
Development finance cannot be assessed on interest rate and LVR alone. The project has to work.
ACM Finance has specialised in property-backed and development finance for more than two decades, with experience across construction lending, banking, property development, legal oversight and investment.
Our team looks at the wider transaction, including:
Submit the opportunity
Send us the project location, funding requirement, feasibility and current capital structure.
We assess the development
We review the project, security, valuation, costs, development team and proposed exit.
We structure the capital
Where the project meets funding criteria, we determine the appropriate structure and potential capital sources.
Due diligence & documentation
The transaction progresses through the required valuation, QS, credit, legal and due diligence processes.
Funding
Once conditions are satisfied, funding proceeds in accordance with the agreed facility structure.
Property development across Australia.
Development finance questions.
Depending on the project, a funding structure may include senior debt, construction finance, mezzanine finance, bridging finance, top-up capital and structured equity.
No. ACM Finance operates its own fund and also works with a select group of long-term funding partners and private investors. This allows us to consider multiple capital sources when structuring suitable projects.
Depending on the project, we can consider how senior debt, mezzanine finance, structured equity and other sources of capital may work together to meet the project’s funding requirement. Every transaction is assessed individually and remains subject to funding criteria and due diligence.
Potentially. Where ACM Finance is a suitable construction funding partner for a development, we can consider the future construction requirement alongside an immediate bridging or acquisition need.
Yes, for suitable projects. Additional capital may be structured alongside an existing senior facility where there is a gap in the total project funding requirement.
Presale requirements depend on the individual project, location, leverage, product, market demand, funding structure and capital source.
ACM Finance typically works across property and development funding requirements from approximately $5 million through to $100 million+, depending on the facility and transaction.
Tell us about the deal.
Whether you are acquiring a development site, commencing construction, refinancing an existing facility, addressing a funding shortfall or looking for additional capital to complete the project, send us the opportunity.
We will assess the development, its capital requirement and whether there is a viable funding pathway through ACM Finance and our funding network.
Confidential initial project review. No obligation.