100% Development Finance for a Returning Property Developer

Positive Commercial Finance specialises in arranging 100% Development Finance for developers with complex funding requirements. In this case study, we helped an experienced property developer return to the market after a lengthy break by structuring a fully funded development finance package.

The Opportunity

Our client had many years of development experience before stepping away from the market following the financial crisis in 2008.

During that time, they focused on building a successful contracting business and gradually rebuilt both their business and personal finances.

When the opportunity arose to refurbish an existing house and build two new bungalows on land to the rear, they were ready to begin developing again.

The project was located close to the client’s home in the Midlands and offered strong profit potential.

The Challenge

Although the developer had extensive experience, they had not completed a development project for several years.

In addition, they wanted to preserve their available capital rather than invest a substantial cash deposit into the scheme.

This meant they required 100% Development Finance to fund the entire project.

Finding lenders prepared to support both a returning developer and a fully funded scheme required a specialist approach.

Our Solution

Positive Commercial Finance introduced the client to two experienced development finance lenders.

Both lenders visited the site and met the developer in person to understand the project, their experience and their long-term plans.

Following their assessment, the lenders agreed to work together to provide a structured funding package.

The solution combined senior debt and junior debt, delivering 100% of the development costs without requiring the developer to contribute their own capital.

Deal Structure

• Funding: 100% of development costs
• Structure: Senior debt and junior debt provided by two specialist lenders
• Total Facility: £500,000
• Projected Developer Profit: £100,000

The Result

The developer secured the funding needed to restart their property development business without tying up valuable capital.

The fully funded structure allowed them to move forward with confidence and return to the market after several years away.

This case study demonstrates how 100% Development Finance can help experienced developers access new opportunities, even after an extended break from development, when the right project is matched with the right funding partners.