Residential and Commercial Construction Finance
From 10.25% p.a. Up to 75% LVR. No line fee.
Private funding solutions for commercial construction projects.
Sophisticated borrowers know that the right funding partner isn’t just about capital – it’s about a deep understanding of construction and project viability. That’s what counts when timelines are tight, projects are complex, or traditional lenders can’t move fast enough.
WHAT
Access the capital required to take a project from site acquisition or early works through to completion.
WHO
Commercial construction finance is suited to experienced developers and builders delivering residential, industrial, or commercial developments.
HOW
At Bowery, deals are assessed on the strength of the project, the security, and the exit strategy – not just rigid policy settings.
What to expect from a Bowery partnership.
Construction finance for projects of every type.
Designed for smaller-scale commercial developments where speed, flexibility, and straightforward funding keep the project moving without unnecessary friction.
- Spec homes
- Duplexes
- Townhouses
- Simple construction contracts
- No tripartite
Suited to larger, more complex projects within commercial construction financing that require structured funding and the capacity to scale – while still keeping things refreshingly flexible.
- Medium-density residential projects
- Apartments
- Commercial developments
- Industrial warehouses
- Land subdivisions
Why more developers are choosing Bowery for their construction development loan.
Supporting delivery, not just funding it.
With deep in-house experience, Bowery works alongside you to review costings, timelines, and project strategy – offering practical insights that streamline delivery and improve the likelihood of a successful completion.
Fast credit decisions.
Ideal when timing is critical and opportunities don’t like to sit still, quick development construction finance approvals mean less waiting and more building. Everyone wins.
No line fees.
Keep costs lean with no line fees.
Tiered funding for small to mid-sized projects.
Structured lending options tailored to projects under $3M and $30M, giving you the right level of support as your project scales.
Funding that reflects real-world commerciality.
From pioneering concepts to ambitious developments, Bowery looks beyond rigid criteria to assess the true commercial viability of your project – and backs it with funding that fits.
Funding diverse construction projects across Australia
Bowery funds all types of construction projects across Queensland, South Australia, and Victoria – supporting developers in metro and greater metro locations. With a strong understanding of how different markets operate, we assess each project on its own merits, not just its postcode.
Spec homes &
duplex sites
Townhouse developments
Apartment projects
Mixed-use
Commercial/industrial builds
Land subdivisions
What is commercial construction finance?
Construction finance is a funding solution used to fund your project through to completion. It typically covers land acquisition, construction costs, associated expenses, with funds released progressively as the project is built.
How does a drawdown loan work?
With construction loan drawdown funding, we release funds in stages rather than as a lump sum. As each phase of construction is completed, funds are drawn to cover the next stage. This keeps funding aligned with project progress and the builder’s cash flow.
What LVR can I borrow to?
The LVR typically depends on the project size and structure, with lending commonly available up to 70–75% of the total project value. We can talk to you about this in more detail, but essentially, the lower the LVR, the lower the interest rate.
Do you fund land and construction together?
Yes — if you are ready to build, finance can be structured to cover both land acquisition and construction costs within a single facility, streamlining the funding process.
How fast can approval happen?
Approval timeframes for our commercial construction loans are typically much faster than traditional lenders. Depending on project complexities, approval often ranges from a few days to a couple of weeks, subject to the provision of information.
Do you require presales?
It depends. Some developments may require presales, while others can be funded without them. Presale requirements for private construction loans vary depending on the project, location, and risk profile.
Do you fund small developers?
Yes—finance solutions are available for both smaller and larger developers, with funding tailored to suit project size and experience. If you need a construction loan for commercial building, talk to us.
Do you lend Australia-wide?
Yes—although we’ve previously focused on construction finance Melbourne, funding is available for qualifying projects across Australia, subject to assessment and location criteria.
