Development
Smart, Structured Development Finance for Townhouse & Unit Block Projects
Whether you’re building 3 townhouses, a 5-pack, or a 15-unit boutique block, the success of your project starts with the funding structure.
At Exceptional Capital, we specialise in helping developers package, position, and fund their projects the right way — from the first feasibility right through to construction and completion.
Most lenders don’t understand smaller developers.
We do — because we work with them every day.
We Finance Townhouse & Boutique Unit Block Developers
We secure funding for:
- 2–12 townhouse projects
- Boutique apartment blocks (up to 20 units)
- Knockdown & rebuild developments
- Land subdivision + townhouse combos
- Infill sites & urban redevelopment projects
- Complex, high-LVR structures where banks decline
From $1M to $20M+ in total project costs — we can structure the capital stack that gets the deal done.
What We Handle for You
Land Acquisition Funding
Get the site under contract, even without DA or BA approved.
Construction Funding
We structure the build loan, interest budget, progress payments, and contingency.
GST & Margin Scheme Guidance
We ensure the funding structure aligns with your tax strategy.
Valuation & Feasibility Packaging
We prepare a bank-ready feasibility with clear numbers lenders actually trust.
Private, Non-Bank & Bank Funding Options
We choose the lender with the best appetite for your project size, location, and experience level.
End-Product Strategy
Build-to-hold, build-to-sell, or a mix — we structure funding to match your exit plan.
How Development Finance Works
Most developers over-complicate development funding.
Here is the reality:
- The lender looks at the feasibility
Profit margin, total cost, GRV, and builder contract. - They assess risk
Your experience, location, builder strength, and pre-sales (if needed). - They confirm equity
Land deposit + cash contribution + borrowed equity. - They structure the capital stack
Senior debt, mezzanine, JV equity, or a simple construction loan.
That’s it.
When the numbers stack, the deal gets funded.
When they don’t, we restructure them so they do.
Development Finance Options We Offer
Senior Debt (Major Banks & Non-Banks)
Best rates, suitable for experienced developers or projects with strong pre-sales.
Non-Bank Construction Funding
Flexible LVR, minimal pre-sales, faster approvals.
Perfect for smaller townhouse projects and “first-time developers.”
Landbank & Bridging Loans
Fund the site now and convert to construction finance later.
Mezzanine Finance
Boost borrowing power and reduce the cash contribution required.
JV Capital Introductions (Optional)
For developers needing equity partners.
The Development Finance Blueprint:
5 Steps to Structure Your Townhouse Project the Right Way
Most commercial buyers have the same concern:
“What does the bank need to see for this deal to get approved?”
This guide explains the fundamentals in plain English — including valuations, deposits, leases, yields, LVRs, and what lenders actually look for when assessing a commercial loan.
It’s the perfect starting point whether you’re buying your first commercial asset or scaling into larger ones.
Why Developers Work With Us
We understand townhouse and boutique unit development
We know the margins, timelines, risks, and real profit drivers.
We build credible bank presentations
Your feasibility, QS reports, builder contracts, valuations, and pre-sales are packaged in the way lenders want.
We compress approval timelines
Time is money in development.
We move fast, speak the lender’s language, and avoid bottlenecks.
We help new developers get their first project funded
You don’t need to be a large developer to get a fair deal.
We specialise in funding first-time and second-time developers.
We offer options the banks don’t mention
Private lenders, hybrid capital stacks, interest capitalisation, and mezz arrangements that open more doors.
Developer Case Study Snapshot
5 Townhouses – QLD
- Land settled with staged funding
- No pre-sales required
- Construction loan 70% of TDC
- Lender: Non-bank, interest capitalised
- Result: Developer completed the site, refinanced two to hold, sold three for profit
Who This Is For
You’ll benefit from our development finance service if:
- You’re building your first townhouse project
- You’re adding another boutique development to your portfolio
- You need flexible funding outside strict bank policy
- You want to reduce upfront cash required
- You want clear guidance through DA → BA → construction → completion
- You want a strategic partner who actually understands development risk
Our Development Funding Process
Feasibility Review
We check your numbers, margin, GRV, and lender appetite.
Funding Strategy
Senior debt, non-bank, mezzanine, or hybrid — we map the structure.
Lender Packaging
We prepare a clean, strong submission with everything required.
Approval & Valuations
We liaise with lenders, valuers, QS, accountants, and solicitors.
Drawdowns & Site Management
We assist with progress payments, builder claims, and lender conditions.
Ready to Fund Your Townhouse or Boutique Unit Development?
Whether you’re a first-time developer or an experienced builder scaling up — the right funding structure is the difference between a stressful project and a profitable one.
Let’s structure it properly from day one.
