Everything you need
to know about private lending.

Greyford Capital lends exclusively to commercial borrowers — property developers, commercial investors, and entities undertaking commercial construction or development projects. We do not provide personal or consumer lending of any kind. Borrowers must be a company, trust, or SMSF, or an individual borrowing for a genuine commercial purpose.

Yes. Unlike banks, we assess the commercial merits of the project first. Where a borrower has prior credit issues, defaults, or judgments, we look at the circumstances, the current position, and the strength of the underlying deal. A strong project and a credible exit strategy carry significant weight in our assessment.

Absolutely. Low-doc lending is a core part of what we do. Self-employed borrowers, sole traders, and developers with an ABN under two years old are all considered. Typically, we require an ABN, BAS statements, and a statement of position. We do not require two years of full financials for most facilities.

We consider each deal on its merits. Developer experience is a factor but not an automatic barrier. A first-time developer with a strong project, an experienced builder, a credible feasibility, and a clean exit strategy will receive genuine consideration. We're more interested in the quality of the project than the length of a CV.

Our rates start from 8.95% p.a. for construction and development finance, and from 9.50% p.a. for bridging and mezzanine facilities. Rates are indicative and will depend on the LVR, loan size, project type, borrower profile, and term. We provide a specific indicative rate as part of your term sheet within 24–48 hours of enquiry.

We lend up to 70% LVR on construction and development finance, and up to 65% on land acquisition and some bridging facilities. LVR is calculated against the security value as assessed by an independent valuer. Higher LVRs may be available on a case-by-case basis for particularly strong projects or experienced developers.

All fees are disclosed clearly in your term sheet. We do not hide fees in the fine print. Typical facilities will include an establishment fee (usually 1–2% of the facility), and an exit fee may apply on some short-term facilities. All costs are presented upfront so you can assess the total cost of the facility before you commit.

We provide facilities from $500,000 to $50 million-plus. We are not a retail lending operation — our minimum reflects the commercial nature of our facilities. For very large or complex transactions, we have access to capital across multiple lenders and can structure facilities accordingly.

We typically provide indicative terms within 24–48 hours of receiving sufficient project information. This is not a preliminary "we're interested" — it is a substantive term sheet with rate, LVR, facility structure, and conditions. The timeline depends on the completeness of information you provide upfront.

Settlement timelines vary by facility type. Bridging and short-term facilities can settle in as little as 5–10 business days once terms are agreed and due diligence is complete. Construction facilities typically take 2–4 weeks to settle given the additional documentation involved. We work to your timeline and will be transparent about what we need and when.

Construction facilities are typically drawn down in progress stages aligned to your construction contract. You request a drawdown when a construction milestone is reached, we arrange an inspection to confirm the stage, and funds are released. The process is designed to be efficient — we don't create unnecessary delays at drawdown stage.

No pre-sales are required on most of our construction facilities. We assess the project's commercial viability — construction cost, end value, developer experience, and exit strategy — rather than requiring you to have already sold units. This gives you the freedom to sell at full market value during and after construction, rather than at off-the-plan discounts.

To provide meaningful indicative terms, we typically need: project location and description, proposed loan amount, security value (estimate is fine initially), purpose of funds, proposed term, and your exit strategy. You don't need a full information memorandum to start a conversation — a project brief is enough for us to provide a substantive initial response.

For formal approval, requirements vary by facility type. Typically this includes: independent valuation, development approval (for construction), quantity surveyor's report, building contract, borrower identification, and evidence of equity contribution. For low-doc applications, we work with you to minimise documentation requirements without compromising the integrity of the assessment.

Completely. All enquiries and project details are treated with strict confidentiality. We do not share project information with third parties without your explicit consent. We understand that development projects involve commercially sensitive information and handle all enquiries accordingly.

Mezzanine finance sits between senior debt and equity in the capital stack. It's typically used when the senior (first mortgage) lender won't provide enough LVR to fully fund the project, and the developer doesn't want to tie up additional equity. Mezzanine carries a higher rate than senior debt but can make a project viable where it otherwise wouldn't be. We can structure both senior and mezzanine components.

A bridging loan is a short-term facility used to bridge a gap — typically settling a new site before an existing asset is sold, or providing urgent capital before longer-term financing is arranged. A construction loan is drawn down progressively as construction milestones are reached and is specifically designed to fund a build. Both are available through Greyford Capital.

Yes. Residual stock finance provides a developer with the ability to repay their construction lender at practical completion and hold unsold stock for sale at full market value, rather than accepting discounted off-the-plan offers under deadline pressure. This can significantly improve the overall return on a development. Learn more about pre-sale and completion finance.

In some circumstances, yes. Land banking and pre-DA acquisition is considered on a case-by-case basis, typically at a more conservative LVR. The key factors are site location, the credibility of the development pipeline, and the developer's experience and balance sheet. Contact us to discuss your specific situation.