Property Construction & Development Finance

From BluePrints to Build- Strategic Funding for Every Phase

At SMC Finance, we empower developers and property investors across Australia to turn blueprints into tangible assets. Whether you’re constructing a multi-unit residential build in Sydney’s Inner West, a retail development in Brisbane, or subdividing land in Greater Melbourne, our structured, stage-based finance solutions are engineered for performance, precision, and long-term success.

Rigid lending policies from major banks

Inadequate support for pre-DA or pre-sales funding

Confusing drawdown processes and documentation bottlenecks

Limited access to flexible funding structures

Lack of end-to-end support throughout the lifecycle

In What We Assist

Residential Construction Loans

For townhouses, duplexes, multi-dwelling developments, and apartments

Commercial & Mixed-Use Development Loans

 Offices, retail precincts, industrial units, medical suites

Subdivision & Land Development Funding

 Large-scale greenfield and urban infill projects

Land Banking & Pre-DA Finance

Strategic capital access before DA or presales are finalised

Mezzanine & Preferred Equity Finance

For high-LVR projects or capital stack optimisation

Residual Stock Loans

Post-completion holding and liquidity solutions

Refinance & Bridging Solutions

For transitioning between funding stages or projects

Who We Support

Experienced and Emerging Developers

Licensed Builders and Owner-Builders

Property Investment Syndicates & Joint Ventures

Landowners pursuing value uplift through rezoning or subdivision

Commercial Investors & SMSFs entering development space

Who We Assist

Developers & Syndicates

Licensed Builders and Owner-Builders

Property Investment Syndicates & Joint Ventures

Experienced and Emerging Developers

Commercial Investors & SMSFs entering development space

Let’s Strategise Something Exceptional For You

With SMC Finance, you’re not just securing funds- You’re unlocking a strategic advantage. Our forward-thinking approach, in-depth market knowledge, and unparalleled access to diverse funding channels allow you to execute with confidence – from site acquisition to settlement.

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