Construction Debt Advisory for Developers and Sponsors

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Construction Debt Advisory for Developers and Sponsors

Construction lenders do not fund drawings. They fund a sponsor, a budget, a contractor and an exit they can underwrite. Financely structures construction debt for commercial, residential and mixed-use developments, prepares the lender package and runs a competitive process with construction lenders that fit the project.

We act for the borrower, from the first debt sizing to the final draw schedule, as an advisory and arranging firm, not a lender.

What we arrange

Senior construction loans

Land and construction financing sized on loan-to-cost and the appraised value on completion, drawn against a monitored budget.

Construction-to-permanent and bridge-to-perm

Structures that convert or refinance into long-term debt once the asset stabilises. See our list of construction-to-permanent lenders.

Mezzanine and preferred equity

Gap capital behind the senior lender when the stack falls short, so the sponsor does not over-dilute. More on senior, mezzanine and equity requirements.

Pre-development and completion support

Pre-development finance before groundbreaking, and completion guarantees where lenders need extra comfort.

What lenders will underwrite

Sponsor Track record on similar projects, net worth, liquidity and equity committed ahead of the loan.
Budget Hard and soft costs, contingency, interest reserve and a cost review by the lender's monitor.
Construction Contract type, contractor strength, schedule, and payment and performance security.
Approvals Entitlements, permits and utility connections in place or clearly scheduled.
Market and exit Pre-leasing or pre-sales, appraised value on completion, and a credible refinance or sale.

How the engagement runs

Assess. We review the budget, schedule, approvals, sponsor equity and exit, and tell you plainly what lenders will accept.

Structure. We size the senior loan, identify any gap and design the capital stack, reserves and draw mechanics.

Package. We prepare the credit memo, development model, sources and uses and data room.

Place. We approach construction lenders from our network of more than 12,700 verified capital providers, compare term sheets and support you through documentation to first draw. Our list of the top commercial real estate construction lenders shows the range of capital we work with.

Planning a development that needs construction debt?

Send us the project, total cost, equity committed, approvals status and target start date. We will review it and send an estimate with the structure, scope of work and our fee.

Retainers are a one-off fee, typically USD 10,000 to USD 20,000 or more for multimillion-dollar projects, agreed before work begins.

Frequently asked questions

What does a construction debt advisor do?

A construction debt advisor reviews the project, sizes and structures the construction financing, prepares the lender package and runs a competitive process with suitable construction lenders, then supports the borrower through term sheets, documentation and closing.

What do construction lenders look at?

Sponsor experience and equity, the development budget and contingency, the construction contract and contractor, permits and entitlements, pre-leasing or pre-sales, the appraised value on completion, and the exit through sale or refinancing.

Can you arrange mezzanine or preferred equity for a construction project?

Yes. Where senior construction debt does not cover the full cost, we can structure and arrange mezzanine debt or preferred equity to close the gap, alongside the sponsor's own equity.

How is the advisory fee charged?

As a one-off retainer set out in a written estimate before work begins. Retainers for multimillion-dollar projects typically range from USD 10,000 to USD 20,000 or more, depending on complexity.

Is Financely a lender?

No. Financely is a structured debt advisory and arranging firm. We arrange construction financing with lenders from our network of more than 12,700 verified capital providers.

This page is for general information only and does not constitute legal, tax or investment advice. Financely is an advisory and arranging firm, not a lender or broker-dealer. Any financing is subject to lender underwriting, due diligence, credit approval, documentation and conditions precedent, and no outcome or closing timeline is guaranteed.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

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Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.

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Acquisitions

Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.

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For Banks

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Submit a Request

Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.