Business Finance Guides
Plain-English guides to UK business loans, asset finance, invoice financing, and business credit cards. Compare lenders, check what you'll qualify for, and walk into a funding decision already knowing the answers.
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Development Finance
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Development Exit Finance: Refinancing a Finished Project Before Sale
Development exit finance allows property developers to refinance completed projects with lower-cost facilities while unsold units remain on the market. This short-term funding typically offers 3-18 month terms at competitive rates, releasing equity for new projects while reducing monthly interest costs compared to full development facilities.
Development Finance Application Checklist: Planning, Costs, GDV and Exit Evidence
A complete development finance application requires four critical components: valid planning permission or statutory consents, detailed construction cost breakdowns, professional GDV assessments, and a clear exit strategy. Missing any element typically results in application rejection or significantly higher rates.
Development Finance Costs UK: Interest, Exit Fees, QS Fees and Legal Costs
Development finance costs in the UK typically total 15-20% of the loan amount annually, combining interest rates of 6.5-12% per annum with arrangement fees (1-2%), exit fees (0.5-1.5%), QS monitoring fees (£1,500-£5,000), and legal costs (£4,000-£10,000).
Development Finance Drawdowns: How Stage Payments and Monitoring Surveyors Work
Development finance drawdowns are staged payments released by lenders as construction milestones are completed and certified by an independent monitoring surveyor. This process protects both lender and developer by ensuring funds are released only when work is verified complete, typically taking 10-20 working days per drawdown request.
Development Finance for First-Time Developers: What Lenders Need to See
First-time developers can access development finance from approximately 30-40 specialist lenders in the UK, but they'll face stricter criteria including higher equity requirements (minimum 20%), lower loan-to-value ratios (50-60% LTGDV), and higher interest rates (8-12% annually).
Development Finance for Part-Complete Projects: Rescue Funding and Refinancing Options
Development finance for part-complete projects: rescue funding and refinancing options provide capital to developers whose projects have stalled, run over budget, or need additional funding to reach completion.
Development Finance for Student Accommodation and Co-Living Schemes: Complete UK Guide
Student accommodation and co-living developments now command specialist development finance facilities from £5 million to £50 million, with lenders offering up to 75% loan-to-cost ratios for projects that meet specific occupancy and location criteria.
Development Finance with Adverse Credit: Can Builders Borrow After Defaults or Insolvency?
Yes, builders can access development finance with adverse credit through specialist lenders who focus on project viability and property security rather than credit scores.
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