Why land funding is different
At the land stage, a lender cannot rely on construction progress or sales. It relies on the land itself and on the project that will follow. So these facilities are usually structured around the land's location, title and approvals status, the promoter's track record, and the project's eventual viability. Many are built with a clear path to refinancing once construction finance begins.
What we do
- Assess the requirement. We look at the land, the approvals path and the planned project just like a lender, and tell you early whether it is fundable.
- Frame the project. We present the requirement around the project's eventual viability, not just the land value.
- Find the right capital partner. We approach lenders and funds that are active in land-stage funding, rather than circulating the proposal widely.
- Plan the exit. We set up the structure so it can move cleanly into construction finance when the project starts.
- Run the course. We stay in the detail through documentation, disbursement till loan closure.
Part of the full funding plan
Land funding is usually the first piece of a project's capital. We look at what will follow — construction finance, structured debt, inventory funding — so the first facility does not block the next one. See Project finance advisory.
Why developers work with Raintree
We are ex-bankers with over three decades of combined experience in corporate credit and real estate. Lenders prioritise our proposal as it comes pre-filtered, which reduces turnaround time. Our fee is success-based: we invoice only on disbursement. Everything you share with us stays confidential.
Common questions
Funding to buy or aggregate land before development begins. It is repaid or refinanced once the project moves into construction and sales.
There is no built asset or cash flow yet, so lenders see it as higher risk. The requirement has to be framed around the land's location, title, approvals status and the project's eventual viability.
Lenders weigh approvals status heavily. Where approvals are still pending, the structure and the lender have to fit that stage. We tell you early which applies to your land.
Our fee is success-based. We invoice only once your facility is disbursed. If the transaction does not close, you pay us nothing.
More questions? Read our funding FAQ.