Land bank loans allow you to take timely advantage of opportunities to purchase investment property which you intend to develop. Situations could involve re-zoning, development approval, pre-sales or perhaps the site being merged with other surrounding land. Bank refinance or the sale of land is likely to be your exit strategy.

Land subdivision and improvement loans assist developers with subdividing a property into lots for on-sale. This could be simply subdividing a single residential property into two separate titles, or re-zoning larger parcels of property into dozens of separate lots. Exit is usually through bank refinance, project equity raising or sale of land.

A property loan is perfect if you are an experienced developer needing to fund your next property project. Sales of the completed properties will be the usual settlement strategy. Typical scenarios include bridging finance for property purchase and funding for construction.

A bridging loan works well when you need funding quickly and temporarily for any purpose pending refinance, asset sale or trade out. A typical scenario is the release of equity from a property for short term cash flow needs.

A term loan is ideal when you need a funding line for longer term business needs with an annual review of your needs. Your exit plan is likely to be via bank refinance. A typical scenario is where time is needed to realise equity in properties or to return a business in a difficult trading situation back onto an even keel.

Businesses often face unexpected challenges – cash flow squeeze, cyclical downturns, breach of bank loan covenants and bad debts to name a few. A debt restructure, asset disposal or a business acquisition may require urgent funding. These are situations in which short term loans provided urgently prove most valuable.