What project finance advisory means for a developer
A developer's funding need shifts as the project moves — buying land, reaching approvals, building, then carrying unsold stock. Each stage takes a different instrument on different terms, and lenders assess each one differently. Our job is to read the whole requirement up front, design a structure where the parts work together, and put each piece in front of the lender most likely to back it — so you run one organised process instead of five separate loan negotiations.
What we structure
We advise across the whole capital stack a project can draw on:
- Construction finance — funds development through to completion, drawn against construction progress.
- Land acquisition funding — to buy or aggregate land before development begins.
- Structured & mezzanine debt — for gaps a plain loan won't cover.
- Inventory & last-mile funding — against unsold or near-complete units.
- Lease rental discounting & loan against property — against income-producing or owned assets.
Beyond arranging any single facility, we advise on the shape of the whole raise — the mix of instruments, their sequence, and which lender takes which piece — so the structure holds together as a whole. See the full range on our services page.
How we work
Having sat on the lending side, we run a mandate like this:
- An honest go / no-go, early. We can usually read feasibility in the first call or meeting. If a requirement won't close, we say so — rather than spend weeks on a deal that won't.
- Structure the requirement. We frame the project the way a lender's credit team needs to see it.
- Position it with the right lender. We know which lenders are actively deploying capital now, and whose criteria a given proposal will clear.
- Run it to close. We stay in the detail through documentation and drawdown.
What makes a project “bankable”
Lenders look first at the promoter's track record and the project's approvals and clear title, then at the numbers — projected cash flows, sales velocity, cost-to-complete and the security on offer. In practice, more requirements stall on how they're presented than on the fundamentals — the lender has to see a clear, well-documented path to repayment. A first-time large borrower with a sound project can still raise capital when the requirement is framed to fit the lender's credit criteria.
Why developers work with Raintree
We are ex-bankers with over three decades of combined experience in corporate credit and real estate. We know how a lender evaluates a deal, who is lending right now, and exactly what each one needs to see to say yes. Lenders treat a Raintree proposal as pre-filtered — already through many of their own checks — which reduces turnaround time. And everything you share with us stays strictly confidential.
Case in point
In Q1 of 2026 we helped a developer with no prior track record of large borrowings raise ₹100 crore against their ongoing projects — closing in a record 45 days. By structuring the transaction to fit the lender's credit requirements, we got a first-time large borrower over the line, and we continue to serve as their preferred financial partner — effectively their outsourced CFO.
Common questions
It's helping a developer plan and raise a project's entire funding — the instruments it needs (construction finance, land funding, structured debt and the rest), which lenders to approach, and the order to do it in — then structuring the transaction and running it to a close.
We specialise in large, wholesale developer transactions — requirements big enough to need real structuring, where the ex-banker's perspective and lender network make the difference.
Yes. Lenders weigh the project and the structure, not borrowing history alone. A sound project can raise capital when the requirement is framed to fit the lender's credit criteria — as with the ₹100 crore transaction above.
Usually very early — often in the first conversation. Because we read a requirement the way a lender would, we give an honest go / no-go quickly. More questions? Read our funding FAQ.