1. Tell us the requirement
Start with the amount, purpose and timing. You do not need to choose the correct product first.
Larger & specialist funding
Property Development Finance
Property development finance is funding for a commercial or business development project, commonly structured around acquisition, development costs and staged releases. Providers assess planning, developer experience, equity, budget, end value and the sale or refinance exit.
Usually takes around 5–8 minutes. An enquiry does not commit you to taking finance.
Access to 250+ funding routes through our lender & specialist partner network.
What makes a development case assessable?
The provider needs to understand what commercial premises are being built or converted, who will deliver the work, what permissions exist and how the project will repay. Developer experience, contractor capability and the professional team are relevant alongside the property. Planning assumptions or an estimated end value do not establish approval.
These routes concern commercial and business funding introductions. Personal residential mortgages and consumer homeowner borrowing are outside this page’s scope. Mixed-use properties and ambiguous occupancy or borrower arrangements require individual review; they should not be assumed suitable.
Acquisition, build costs and staged drawdowns
An initial component may support acquisition, followed by drawdowns linked to agreed progress, cost certification and monitoring. The provider determines what expenditure is eligible, when equity must be contributed and what conditions apply before each release.
Cash flow needs to account for invoices, certification, inspections and release timing. Funding may not cover every cost or arrive at the moment a contractor asks for payment.
Budget, monitoring and exit
- Prepare a detailed development budget, including professional fees, contingency and finance costs.
- Explain planning status, programme, contracts and any conditions affecting delivery.
- Support end-value assumptions with appropriate property information.
- Set out sale or refinance repayment and consider delays or lower proceeds.
Monitoring can identify cost or programme changes and may affect further drawdowns. For a short transitional commercial transaction without a wider development programme, compare commercial bridging finance.
From enquiry to a possible project facility
NBS first reviews the amount, project and timing to identify a suitable starting route. A provider may then require appraisal, valuations, technical and legal review, evidence of equity and a monitored drawdown schedule. Review conditions, security, guarantees and repayment obligations before accepting any offer.
Useful information to prepare
You do not need every item to start. Tell us the amount, purpose and timing; NBS can explain what would help the next review.
- Site details, ownership and acquisition terms
- Planning permission, conditions and project description
- Developer track record and professional team
- Cost plan, programme, contractor terms and contingency
- Equity contribution, source and existing borrowing
- Estimated end value, supporting appraisal and sale or refinance exit
Important considerations
- Cost overruns or delays may require additional equity.
- Drawdowns are conditional and may be reduced or delayed.
- Sales or refinance may not deliver the expected value or timing.
- Security and guarantees can put property and other assets at risk.
NBS Finance is a commercial finance broker and introducer, not a lender. Providers make funding and credit decisions and set the amount, charges, security and terms. An enquiry or introduction does not guarantee finance.
The NBS enquiry process
2. Review the starting route
NBS reviews the information and identifies an appropriate starting route through its lender and specialist partner network.
3. Provider assessment
A suitable provider may request further information and decide whether to offer terms. Review any offer before committing.
Related funding routes
Frequently asked questions
Will finance cover all development costs?
No such assumption should be made. Eligible costs, borrower equity, valuations and provider criteria determine the proposed structure.
Are funds released all at once?
Development funding may use staged drawdowns subject to agreed progress, monitoring and conditions.
Can I enquire before planning is complete?
You can explain the project and planning position. The stage of planning may materially affect which routes can be reviewed.
Is the end value guaranteed?
No. An appraisal or valuation is an assessment, and market conditions or project changes can affect actual sale or refinance proceeds.
Tell us what the business needs
Tell us the amount, purpose and timing. We can review which starting route appears most relevant.
One enquiry. No commitment to take finance. Subject to provider assessment and terms.