Construction & development financing · Ontario
Finance the project you can actually deliver.
For builders, developers, investors, and owner-builders who need a clear financing plan from site control through the final take-out.
Is the project ready for a lender conversation?
A credible request connects the borrower, site, approvals, budget, builder, draw plan, contingency, and exit, not just the completed value.
- Acquisition and construction may need different funding stages.
- Draw timing can create a cash-flow gap even when the total budget works.
- The take-out or sale plan should be tested before the first advance.
Project scenarios
Where financing pressure tends to appear
The right structure depends on what is being acquired, what is already approved, who is delivering the work, and how the project will move from one stage to the next.
Acquisition and land
Review purchase timing, site control, existing debt, land equity, servicing or zoning status, and whether the construction facility can follow the acquisition close.
Permits, plans, and budget
Align approvals, drawings, hard and soft costs, fees, taxes, interest carry, contingency, and remaining borrower equity before lender submission.
Builder and borrower capability
Present relevant experience, project team, contracts, financial capacity, reporting discipline, and how gaps in track record or liquidity will be managed.
Draws and work in progress
Map advance conditions, inspections, holdbacks, equity-first requirements, invoices, and the working capital needed between completed work and lender funding.
Completion and cost overruns
Pressure-test contingency, change orders, schedule slippage, interest carry, unresolved conditions, and the source of funds if the remaining cost rises.
Take-out, refinance, or sale
Support the exit with realistic completion timing, value and income assumptions, lease-up or sales evidence, and a backup plan if the first take-out path changes.
Review path
A lender-ready project story
The review follows the project sequence so funding assumptions can be tested before they become closing or construction problems.
1. Site and capital
Confirm ownership or acquisition, existing charges, equity invested, requested use of funds, and the capital still available to the project.
2. Readiness and team
Organize approvals, plans, budget, schedule, contracts, builder capability, consultants, and the conditions required before advances begin.
3. Draw and delivery plan
Connect work stages to inspections, invoices, holdbacks, borrower cash flow, contingency, and decision points when timing or cost changes.
4. Completion and exit
Test the take-out, refinance, rental stabilization, or sale path against completion, valuation, income, market, and timing assumptions.
Documents
Start with the evidence you have
- Purchase agreement, title, existing financing, or land cost summary
- Plans, permits, zoning, servicing, and approval status
- Detailed sources-and-uses budget, schedule, and contingency
- Builder contract, quotes, project team, and relevant experience
- Appraisal, feasibility, pro forma, leases, presales, or exit notes if available
Important limits
What the first review must not assume
- That completed value is available before required work is verified.
- That every budget item, overrun, holdback, or interest cost can be funded from lender proceeds.
- That a future refinance, lease-up, or sale will occur on the original timing or assumptions.
Continue the review
Related financing paths
Bring the project plan into focus
Share the site, budget, approval status, and capital request. A licensed broker reviews the first pass personally.