Growmore Capital

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0488 293 852

150+ Happy Customers

Development Finance for Builders the Banks Make Wait

From your first small project to your next multi-unit build — we structure and secure development finance through banks, non-bank lenders and private capital,
so your project starts on time and your equity keeps working.
  • Funding for land, construction & completed stock
  • Bank, non-bank & private lenders — one application
  • Fast, plain-English answers — not bank runaround
Get My Free Funding Assessment

Get a Free Funding Assessment

Tell us about your project. We’ll review it against bank, non-bank and private lenders and come back with realistic funding options — no cost, no obligation.

Why Developers Choose Grow More Capital

  • Whole-of-market access: one conversation, one application, reviewed across banks, non-bank lenders and private capital partners. You see real options, not one bank's appetite.
  • Built for speed: e know construction timelines don't pause for credit committees. We move quickly and tell you where you stand early.
  • Senior debt to mezzanine: from straightforward construction loans to stretch senior and mezzanine structures that fill an equity gap and protect your return.
  • Plain English, always: LVR, LTC, presale cover, residual stock — explained in language you can act on. No jargon wall.
  • First project or fiftieth: first-time developers get genuine guidance; experienced developers get a broker who keeps up. Both welcome.
  • Hands-on through to settlement: we stay across valuations, lender conditions and drawdowns, so your project keeps moving.
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Funding Solutions for Every Stage of Your Project

Whatever stage your development is at — securing the site, building, or releasing capital from finished stock — there’s a funding structure for it. Here’s what we arrange.

Construction & Development

The primary loan that funds your build. Competitive senior debt for residential, commercial and industrial projects, with progressive drawdowns aligned to your construction program.

Stretch Senior Debt

Need a higher loan-to-cost without a separate mezzanine lender? Stretch senior blends senior and subordinated debt into one facility — higher leverage, simpler structure, less of your own equity tied up.

Mezzanine Finance

Subordinated funding that sits behind your senior debt to close an equity gap. Suited to established developers who want to preserve cash, take on the next site sooner, or improve return on equity.

Land Bank Funding

Finance to secure and hold a site with future development potential — through settlement, planning and approvals — until you're ready to build.

Land Subdivision Finance

Funding for civil works and titling on subdivision projects, structured around your staged release and sales program.

Residual Stock Loans

Built but not all sold? Refinance completed, unsold dwellings to release trapped equity, repay your construction facility and fund your next project.

Bridging & Specialist Finance

Short-term funding to settle a site or seize an opportunity while longer-term finance is arranged — plus structured solutions for SMSF, commercial and more complex scenarios.

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What Sets Us Apart

01

One Application, Every Lender

Going bank by bank wastes weeks and leaves marks on your file. We package your project once and take it to the lenders most likely to fund it — bank, non-bank and private.

02

We speak developer

Feasibilities, GRV, presale cover, drawdown schedules — we work in your language and structure finance around how your project actually runs, not a generic credit template.

03

Honest answers, early

If a deal is tight, you’ll hear it from us up front — with the changes that would make it fundable — not after weeks of waiting.

04

A real person owns your deal

You deal directly with a specialist from first call to final drawdown. No call centre, no handball, no starting over.

What clients say

How it works

  • Tell us about your project: Submit the form or call. Share the basics: site, project type, stage, and what you need funded.
  • We assess and shortlist lenders: We review your project against bank, non-bank and private lenders and come back with realistic options and indicative terms.
  • We structure and submit: You choose a direction; we package the application, manage valuations and lender conditions, and negotiate the terms.
  • Settlement and drawdown: Finance settles and we stay across your drawdowns so the build keeps moving.
Get My Free Assessment

You'll Work With a Development THE MEETING

At Grow More Capital your project is handled by a finance specialist who knows construction and development lending — not a generalist and not a call centre. They’ll structure your finance, manage the lenders, and stay hands-on from your first call through to final drawdown.
 

our team Member

ROSHIKA CHAND

(Finance Broker)

Roshika is here to help you feel confident, calm and in control of your home loan journey. With over a decade of experience in banking and finance she brings more than just knowledge into your home loan journey.

Whether you’re buying your first home, expanding your property portfolio or finding the perfect place to call your own, Roshika offers clear guidance with genuine care.

Roshika is also a specialist in Defence Force lending and is passionate about helping Australian Defence Force members and their families with their home ownership goals.

Beyond the numbers she’s a chai-loving, nature-wandering, community-driven soul who believes finance can be a powerful tool for empowerment. It’s not just about securing a loan it’s about building trust, achieving goals and making a meaningful impact

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"Hey - Don't Take My Word For IT!"

See What Others Are Saying About my services!

We're a Good Fit If…

  • You're a property developer: first project or experienced.
  • You need finance for : land, construction, subdivision or completed stock
  • you need other options: The banks have been slow, said no, or asked for too much
  • You want someone to structure the deal and manage the lenders, not just hand you a rate.
  • You value straight answers and speed over being passed around.
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Frequently Asked Questions Have Any Questions ?

What types of projects do you finance?
Residential, commercial and industrial developments — townhouses, apartments, subdivisions, duplexes and mixed-use — from small first projects through to larger multi-stage builds. If you’re unsure whether your project fits, ask us.
 
Not always. Major banks often require significant presale cover, but non-bank and private lenders can fund construction with reduced or no presale requirements. We’ll match your project to lenders whose presale appetite suits your plan.
It depends on the lender, the project and the security — typically expressed as a percentage of total development cost (LTC) or value (LVR). Bank, non-bank and private lenders price leverage differently, which is exactly why reviewing the whole market matters. We’ll give you realistic numbers for your specific project.
Yes. We work with first-time and small-scale developers regularly and walk you through each step in plain English. First-project lending has its own considerations, and we’ll tell you up front what a lender will want to see.
It varies with project complexity, valuations and lender conditions. We move quickly and tell you early where you stand, so you’re never left guessing while a settlement or build window approaches.
The initial funding assessment is free and obligation-free. If you proceed, we’ll explain all costs — lender fees and any broker fees — clearly and in writing before you commit.

Get Your Project Funded Start Today

Free, obligation-free funding assessment. Tell us about your development and we’ll come back with real options.
Get My Free Funding Assessment