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Development Finance
Development Finance
This is where we shine - complexity. As an independent development finance broker working across the UK, EAS Finance structures funding for residential, commercial, and land development projects from £100,000 upwards. We work with over 300 lenders to find senior debt, stretched senior, and mezzanine facilities that fit your appraisal - not a lender's standard template. Whether you're a first-time developer or an experienced operator with a complex scheme, we package your case properly and place it with the right lender, fast.
Talk to us before you approach a lender.
Many developers initially use bridging finance to acquire a site before moving to a structured development facility.
Development Finance Building residential, commercial or mixed-use? We structure senior debt, mezzanine, and stretched senior facilities around your appraisal - not the other way round.
Here's what a typical deal looks like.
Property development depends on timing, cash flow, and clarity. Even a strong scheme can stall if finance is poorly structured, drawdowns do not match the build programme, or lender risk is misjudged.
Development lenders assess more than the site and drawings. They examine the developer, the contractor, the numbers, the exit, and market conditions.
At EAS Finance, we structure development finance to keep projects moving. From smaller refurbishments to multi-unit residential and mixed-use schemes, we present clean applications, anticipate lender scrutiny, and align funding with the real programme of works.
No guesswork. No delays. Finance that keeps pace with the build.
What Development Finance Covers
What Development Finance Covers
Small to large-scale developer schemes
Ground-up residential and mixed-use developments
Refurbishment projects (light, moderate, and heavy)
Property conversions (commercial-to-residential, HMOs, mixed-use)
Part-built or stalled schemes needing rescue funding
Projects requiring staged drawdowns and active monitoring
Typical Development Structures
Typical Development Structures
Leverage:
Up to 70% of GDV or 85% of total project cost, depending on the lender
Interest:
Rolled-up, retained, or part-retained, depending on lender appetite and project risk
Developer contribution:
Often 10–20% of the project cost (can be reduced with additional security)
Contingency:
Typically 5–10%, held back and released on QS instruction
Terms:
6 to 24 months, depending on the build schedule and exit
Monitoring:
Lenders require a monitoring surveyor for each drawdown
From Plans To Completion – Finance That Works With You
From Plans To Completion – Finance That Works With You
Successful development requires funding that arrives on time, aligns with construction phases, and adapts as timelines change.
Lenders who understand construction, sequencing, and risk keep projects moving. Those who do not are often where delays begin.
We connect you with development lenders who understand the realities of construction, including flexibility, variation, and reliable drawdowns.
Whether delivering a single unit or a multi unit mixed use scheme, we present your project for a fast, clean approval.
When To Use Development Finance
When To Use Development Finance
Ground-up construction: funding for residential, commercial, or mixed-use projects
Major refurbishment: finance for structural alterations, extensions, and conversions
Site acquisition with planning: secure land and start building without delay
Part-built projects: refinance or rescue schemes that have stalled
Development exit: repay the build-to-finance, and gain time to sell or refinance
Why Clients Choose Us
Why Clients Choose Us
Funding that matches your build programme: staged drawdowns to keep cash flow steady.
Flexible lender network: from high street banks to specialist development funders.
Experience with complex sites: including brownfield, heritage, and mixed-use developments.
Speed and certainty – approvals in days, not months.
Clear exit strategies – ensuring repayment is built into the project plan.
Common Developer Mistakes
Common Developer Mistakes
Underestimating total project costs
Underestimating total project costs
Groundworks, utilities, inflation, and compliance costs routinely exceed early estimates. Without contingency, the entire schedule is at risk.
Weak exit planning
Weak exit planning
A scheme isn’t complete when the build finishes. It’s complete when the lender is repaid. Delays in sales or refinancing create unnecessary pressure.
Drawdowns are not aligned with the build
Drawdowns are not aligned with the build
If funding stages don’t match the real programme, cash-flow gaps arise. Labour and materials don’t wait for drawdown approvals.
Choosing the wrong lender can be expensive
Choosing the wrong lender can be expensive
Some lenders dislike specific construction methods, planning conditions, or locations. The wrong match leads to impossible conditions or slow drawdowns.
Arranging finance too late
Arranging finance too late
Developers often focus on planning and contractors first and approach finance afterwards. This loses valuable build time during lender approvals.
How We Make It Simple
How We Make It Simple
Clarity from the start: we take time to understand your project and match you with the right lender from the outset.
Professional packaging: valuations, QS reports, and applications prepared to lender-ready standards.
Smooth drawdowns: staged releases aligned to your build schedule, keeping cash flow steady.
Active monitoring: adapting finance as timelines or project needs change.
Clear lender fit: assessing propositions against lender criteria so you don’t waste time on mismatches.
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