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Construction & Development Loans

Supporting Australian construction and property development.

Apis Financial want to see smart commercial, residential and industrial property developments succeed, so we support first time and experienced property developers with funding options that don’t require pre-sales or lengthy application processes.

With a great range of funding solutions, we can help you cover 100% of your construction costs with previous credit issues considered.

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What We Do

Dream bigger, think better, fund smarter. Apis Financial will source the smart solution to fund your next big idea.

Who We Are

We’re experienced, connected and passionate lending experts ready to help you find your smart finance solution.

How to Get Started

Smarter finance solutions to reach your personal and business goals. Talk to our lending experts to get started.

Broker or Lender?

We love to partner with passionate and forward thinking brokers and lenders. Join our network!

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How we’ve helped other developers:

One of our clients began self-funding a 36-unit development, expecting their existing funder to come to the party to cover any shortfall of funds. However, with pre-sales unavailable and the client’s most recent financials incomplete, the existing funder would not provide the necessary finance.

Even though the client also owned a fully completed and leased residential development in the inner city, the existing funder did not reconsider their decision. Of course the client was concerned, until APIS came to the rescue with a suitable funding solution enabling the project to continue.

Our Solution:

  • Loan Sourced:

  • $6,000,000.00

    • Low 6% rate for completed development
    • 65% LVR (Loan to Value Ratio)
    • Rental income as servicing
    • Full refinance plus considerable amount of working capital

  • Construction Loan Sourced:

  • $7,900,000.00

    • For completion of 36 unit development
    • 11.25% pa
    • 69% LVR (Loan to Value Ratio),
      Based on GRV (Gross Realisation Value)
    • Pre-sales & financials not required for servicing

Dream bigger, think better, fund smarter. Apis Financial will source the smart solution to fund your next big idea.

  • They are truly a team of hardworking, honest and ethical individuals that have a passion for what they do.

    Steve Barnfather - Foundation Capital

  • Thank you for a great start to my day, breakfast with John Anderson, WOW!!! Every person in that room left in awe and touched by a Man driven by an idea.

    Andrew - AJM Music

  • They is our introducer of choice and I would encourage brokers to join their network

    Private Funder

  • Thank you for a great start to my day, breakfast with John Anderson, WOW!!! Every person in that room left in awe and touched by a Man driven by an idea. I see things differently now.

    Andrew - AJM Music

  • I would like to thank you personally for your professional advice and direction. The lender also appears an excellent company to deal with. Your expertise was brilliant !!

    Brian - Sunshine Coast

  • Provided a fantastic service and I would recommend them to anyone.

    Rod Garland - Financial Counsellor

  • Nothing is too much trouble for the team and the services that they offer to both the client and the funder are second to none.

    Funder

  • I would have no hesitation is recommending them for future transactions that are difficult to place for your customers.

    Glen Barnes - Broker

  • We had just over a week to come up with some funds... and they did! The solution was in place and ready to settle a few days later.

    Jason A. - Broker

Residual Stock Loans

Don’t feel pressured into selling your stock at reduced rates just to pay back your development loan. We have refinance options available, including short-term take out loans, to help you can make smarter business decisions free from time and finance stressors.

With extensive experience working with many developers, we understand that project profitability is maximised with market upswings, and these rarely occur at the same time your loan payments are due. We will confidently support promising projects over 3-12 months with appropriate residual stock loans while waiting for the right time to sell.

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Our development loans make better business sense:

 Up to 65% of gross realisation for first mortgages
 Up to 100% of construction costs covered
 Pre sales not always required
 Previous credit issues considered
 Predominantly East Coast
 Loan amounts up to $200 million (higher on application)
 Mezzanine funding and land banking available
 We don’t charge any up-front fees

Development finance options are available for the construction of:

 Residential property developments
 Commercial property developments
 Industrial property developments
 Mixed-use development
 Land subdivisions
 Land bank

How we provide fast, alternative funding solutions:

 We have access to a large array of lenders including major banks, 2nd tier lenders and over 250 private funders who have more flexible lending criteria.
 We have a close relationship with our panel of Funders allowing us to expedite your application. We know that delays in funding can have a knock-on effect and we work tirelessly to achieve the results you need.
 Our team are experienced in both the property development market and finance industry and work to meet the needs of all parties, quickly.

Why choose Apis Financial?

The dedicated team at Apis Financial are highly-experienced lending professionals renowned for delivering outstanding service and smart funding solutions for each of their clients.

We present options that others didn’t know existed

We search for solutions and enjoy the challenge of complex loans

We understand the complexities and requirements for a diverse range of applications

We explain our cost-structure from the outset so that you know what to expect

Our experienced staff assist you every step of the way with frequent communication on the loan progress

Hear From Our Clients

  • Thank you to Fiona for inviting me to the event on Wednesday night to listen to Sarina Russo, not only was the talk interesting but the people I met were great company and I learnt much.

    Cyndi O'Meara - Changing Habits

  • Many thanks to Scott and the team for the invitation to see Glenn Cooper speak at the breakfast event recently. He was a great story teller and gave me plenty to think about – very inspirational as well.

    Steve Hartley - MAICD - Bluemount Capital

  • Loved the Event! Inspiring, uplifting ...a whole room jammed full of positive! Thanks so much for the invite, stayed in a positive mindset for the whole week! Perfect for team building and personal empowerment. Have been privileged to see 3 amazing speakers and each has lifted the soul to greater heights. Many, many thanks.

    Marlene Murray - Maleny Manor

  • Thanks for the invite to a yet another great event. Glenn Cooper provided some wonderful insights into the history, structure and challenges of Coopers Brewery since its humble beginnings 150 years ago. Thanks again and to Scott Roberts for hosting us at breakfast.

    Rick Hipwood - CTB Group

  • Thanks so much to Fiona and the team for the invitation to the Sarina Russo Think Speakers event. It was great to be surrounded by so many wonderful local business people and hear the highs and lows of Sarina's journey.

    Belinda Forman - Traffika

  • Great day thanks Scott, I always meet other like minded professionals to build referral relationships with and the entertainment, food & company tops it off for an awesome event. Thanks so much for the invite up and for continually running these gottogoto events!

    Darren Fidoe - Fundamental Business Finance

  • As a guest at their recent Allan Pease speaking event, I was genuinely amazed at the global experience Allan shared with the room. Thank you to Scott and Fiona Roberts (and the whole team) for the passion you share with the Sunshine Coast business community. Brilliant work!

    Bill Darby - Rumba Beach Resort

  • Today, I was invited by Scott Roberts to breakfast with Glenn Copper from Coopers Brewing. I thought I was going to learn about my favourite wind down.. Beer. But, I was inspired by a Family owned business who cares about their brand and family values. Thanks Scott & Fiona.

    Tim Gall - Pelican Waters Golf Club

  • The team always go that one step further to achieve an outcome. If at all possible, they achieve results for their clients. Communication channels are an extremely important part of this business, and they have an excellent system. Dealing with them is professional, at the same time keeping the personal touch as its focus.

    Private Funder

  • I found Allan Pease to be a highly entertaining and amusing speaker and one who gives an insight into peoples feelings and attitudes being expressed by their facial and body actions. I am looking forward to more excellent speakers in 2016.

    Roy Henzell - Henzells Agency

  • The speakers were excellent and engaging, guided by a charismatic and knowledgeable MC. A unique opportunity to get up close and personal with such sporting legends. Thank you.

    Mark Papallo - Simpson Quinn Lawyers

  • I have utilised Scott’s services on a number of occasions, to assist with complex or unusual finance applications where I was not able to assist my clients. Scott was able to assist me on each occasion, and made the process simple and allowed me to keep my clients happy with their needs met as required. I have no hesitation in recommending Scott.

    Terry Hill - Broker

  • Thank you for inviting me to your latest evening to inspire with Sarina Russo. It was a fabulous night of positivity with inspiration, networking over great food and company. I received so much from it personally to take away and implement into my business and every day way of life. I can’t wait for the next event!

    Joey Mogg

  • It is really wonderful that your team are getting behind ‘Think Speakers and Events’ and ‘Profile’ magazine. Lisa Wilkinson was an excellent speaker and it was a great privilege to have dinner with her. Thank you for the opportunity.

    Nicole Bochow - Poole Group Accountants & Investment Advisers

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