Development Finance

From First Brick to Final Sale

Whether you’re building from the ground up or refurbishing existing properties, development finance provides staged funding to bring your plans to life. We help you secure the right structure and lender for your project’s timeline, costs, and exit strategy.

Find your funding

Quick Snapshot

Loan Size

£500,000 – £50,000,000+

Term

6 – 36 months

Typical Rate

6% – 13% per annum (rolled-up interest)

Security

1st charge on land or property; 2nd charge on existing property

Release Structure

Tranches certified by surveyor

Exit Options

Sale of units, refinance, retained profits

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What Is Development Finance?

Development finance funds the construction or refurbishment of residential, commercial, or mixed-use property. The facility is released in stages to match your build milestones, with funds drawn as each phase progresses.
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This structure protects cash flow and aligns financing with delivery, making it ideal for time-sensitive or multi-phase projects.

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Why Use Development Finance?

Access large facilities without diluting equity

Draw funds as needed to preserve liquidity

Speed up delivery by removing funding delays

Match funding to actual project phases and costs

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How Risecap makes it easier

Human-led guidance – an experienced funding specialist will help you pick the right terms for your project

AI-matched lender shortlist – 300+ UK banks & alt-lenders ranked on price, fit and flexibility

Negotiated rates – we leverage our expertise and relationships to shave basis points off the headline rate

Portal tracking – upload docs once, track lender questions in real-time, minimise email ping-pong

Transparent pricing – we explain all costs up-front

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Is This Right for You?

Best when you:

Have full planning permission and detailed costings

Can demonstrate track record or bring in experienced partners

Think twice if:

Are still in early-stage planning or land acquisition

Lack a defined exit or repayment strategy

How It Works

Initial drawdown for land, legals, or early works

Staged drawdowns based on surveyor-certified progress

Loan repaid through exit: sale, refinance, or profit retention

Frequently Asked Questions

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Is interest paid monthly?

Not typically. Most deals roll up interest and repay at exit

Can I fund the land and build separately?

Only if you want to. You can see matched options first and we’re here if you want expert support before or after.

What documents do I need?

Planning consent, cost plan, schedule, GDV estimate, developer bio or CV, and exit plan

What if my costs change mid-project?

SMEs from £2–50m revenue across sectors. Whether you’re growing fast or facing a cash squeeze, we can help.

Can I finance multiple sites?

Yes, in most cases. If a lender pays us, you don’t. If not, we’ll agree a clear fee upfront.