Straightforward, smart lending for every project.

We're not a bank.

Not just a private lender. A partner.

We’re not a bank, so we don’t just tick boxes and lend money. As a responsible private lender, we partner with you to understand the why, how, when, and where of your project. It’s this commitment to people and their ideas that has led us to fund over $947 million in property developments across Australia.

You have the idea, the drive, and the ambition. We have the capital and expertise to make it happen, supporting projects with standard or tailored finance solutions. Whether your financing needs are simple or complex, our team is with you at every step — ensuring a smooth, efficient process and personalised support.

Your project deserves more than just a private lender. It deserves a partner who’s as invested as you are.

Tell us about your project
BOWERY PREMIUM ADVANTAGE

Land & Building Finance.

We provide structured and flexible finance solutions designed to support developers, investors and business owners at every stage of their journey. Whether securing a development site, breaking ground or financing a stabilised asset our lending suite offers competitive, purpose-built funding to help you move forward with confidence.

Residual Stock
From
8.95 % p.a.
Max LVR
75 %

Unlock value from a completed 
but unsold inventory.

Suitable for:

  • Title lots
  • Town houses
  • Apartments
  • Warehouses
  • Commercial (retail / offices)
Apply Now
Improved Asset
From
9.25 % p.a.
Max LVR
75 %

Leverage an existing building 
for your next opportunity.

Suitable for:

  • Residential
  • Warehouses
  • Offices
  • Childcare and Medical
Apply Now
PRE DEVELOPMENT - METRO
From
9.25 % p.a.
Max LVR
75 %

Secure prime metro sites while 
navigating the permit process.

Suitable for:

  • Residential
  • Commercial
  • Industrial
Apply Now
PRE DEV - GREATER METRO
From
9.95 % p.a.
Max LVR
70 %

Secure growth opportunities 
in emerging greater metro 
markets.

Suitable for:

  • Englobo Land
  • Greater Metro
  • Major Regional
  • Pre and Post-permit
Apply now

Construction Finance.

Enjoy the flexibility you need to bring your development vision to reality. Whether you’re delivering a boutique residential project or a substantial commercial development, our tiered funding approach offers competitive rates with draw-down facilities that align with your construction timeline. We work to ensure you have the financial foundation to build with confidence from groundbreaking through to completion.

CONSTRUCTION (<$15M)
From
10.25 % p.a. on drawn funds
Max LVR
75 %

Bring projects to life with 
flexible draw-down funding.

No line fee.

Suitable for:

  • Spec homes and duplex sites
  • Townhouse developments
  • Commercial & industrial
  • Land subdivisions
Apply now
CONSTRUCTION (<$25M)
From
10.50 % p.a. on drawn funds
Max LVR
70 %

Deliver medium-scale projects 
with simple construction 
finance.

No line fee.

Suitable for:

  • Apartment developments
  • Mixed-use projects
  • Commercial & industrial
  • Land subdivisions
Apply now
WHAT OUR CLIENTS SAY

Real feedback from real borrowers and finance brokers.

Bowery Capital was a game-changer for our 3-story apartment project in East Melbourne. When construction costs spiked unexpectedly in 2023, threatening to derail the entire development, Bowery stepped in with additional financing. Bowery genuinely saved our project.
Joe Molinaro
Business Owner
What impressed us most is their hands-on approach. Their team, led by Ali, engaged with the project team multiple times and assisted us beyond the expected scope of a financier. With Bowery, you're not just getting capital; you're gaining a knowledgeable partner who's invested in your success.
Dushyant
Punvec
Bowery came to the party on an urgent settlement where the bank failed to deliver on their promise. We had a tight timeframe to settle an asset and, within 48 hours, Bowery offered us certainty, committed to funding terms and delivered on time.
Maddy Gupta
Manhari Metals
On the back of a successful first transaction, Bowery offered me a leveraged finance package well above my expectations which enabled me to reduce the level of equity contributed to my project.
Tal Goldman
BCENTRAL
Their responsiveness and willingness to adapt the funding structure as our project evolved was invaluable. Bowery aren't just lenders; they are a true partner in innovation. We've since completed two more projects with them.
Jack Townley
TW Projects
Project funding process.

Private lending made easy.

1

1. Talk

There’s more to your idea than what’s on paper. We’ll get together in person so you can tell us about your project (we want to hear every detail!), get to know you, and bounce around some ideas.

2

2. Evaluate

Based on this conversation, we’ll suggest a standard funding package or tailor something suited to the complexities of your project. Then, we’ll work through your proposal together.

3

3. Finance

If we’re all on the same page, we’ll handle the paperwork then walk you through the financing process. We’ll be here until project completion, offering additional support however we can.

Three professionals smile, conversing at a modern office table with a laptop and city skyline views from the window.
Two smiling people on a brown couch, a man pointing at a magazine the woman holds. A large window offers a green view.
Private lenders that invest in you.

The people in your corner.

If you’re just looking for a lender who hands out funding and walks away, we’re not for you. We believe private lending is about more than capital — it’s about partnership, expertise, and genuine support from start to finish.

Whether your project is straightforward or unconventional, you deserve a finance solution that truly fits. With an emphasis on listening, and a mix of tailored lending options and competitive standard packages, we provide funding that works for you — no matter the size, scope, or complexity of your development.

We’re your team of experienced professionals, obsessed with your project and invested in your success. We’re here until the end, helping you navigate challenges, optimise opportunities, and achieve the best possible outcomes.

If it’s worth building, it’s worth backing. And that’s exactly what we do.

Get to know us
Frequently Asked Questions

What is a loan-to-value ratio (LVR)?

A loan-to-value ratio or LVR refers to the percentage of the loan amount in comparison to the value of the asset the loan is being used for. In general, the higher the LVR – or loan percentage – the higher the risk.

At Bowery Capital, we typically do not loan more than 65% of the asset’s value as a first mortgage.

What is a private lender?

A private lender is an alternative to traditional lending institutions, such as the big banks, that uses private capital from investors to provide loans against secure mortgages.

At Bowery Capital, our investors select which property development they would like to invest in. Then it is provided as capital as a private loan to fund the project.

What development properties and projects do you finance?

Bowery does not provide loans subject to the National consumer credit regime.

We focus on development financing for property projects within metropolitan and select regional growth areas in Australia. Private lending options are available to residential, commercial, industrial and retail property sectors, including:

  • Commercial and retail buildings
  • Industrial complexes and parks
  • Townhouses and apartment complexes
  • Luxury residential developments
  • Land subdivision and development projects
  • Completed stock
  • NDIS and SDA housing developments

Let’s do this.

You didn’t come here by chance.
You came here because you wanted to invest in your future with our mortgage fund. So, why wait?

Let’s take this first step together.

Ready to InvestReady to Borrow