Land Bank Financing & Funding
Secure short-term land loans to hold or prepare your site pre-construction
When development is delayed but opportunity remains strong, Alpha1 Financial Solutions provides land bank finance. Flexible, short-term loans secured against land, designed to give developers time and breathing room to move forward.
LAND BANKING FINANCE
What Is Land Bank Financing?
Land bank financing (also referred to as land bank funding or land banking loans) provides short-term capital secured against undeveloped or unutilised land. These loans are typically used before construction begins, offering developers time to manage approvals, consolidate sites, or meet pre-sales. It’s not about buying land – it’s about holding or preparing land you already own or control until you’re ready to build.
Buy time to finalise approvals or plans
Consolidate fragmented lots or ownership structures
Bridge finance while waiting on pre-sales or valuations
De-risk the site before engaging construction lenders
When to use
When to use Land Bank Finance
You may benefit from a land banking loan if:
- Experiencing delays in zoning, planning, or DA approvals
- Pre-sales targets not yet achieved
- Site consolidation or title restructuring
- Land banking for future development pipeline
- Strategic timing before refinancing or construction commencement
HOW IT WORKS
From landholding to funded facility
Step 1: Scope your land and plans
We review your land, planning status, and project goals to tailor the finance approach.
Step 2: Structure a flexible loan
We propose a short-term facility, with terms aligned to your timeline and exit strategy.
Step 3: Settle fast and move forward
Once terms are agreed, we move quickly – settling in as little as 5-10 business days.
WHO USES LAND BANK FINANCE?
Supporting landowners through the pre-build phase
We support owners, developers and investors across:
- Property developers managing DA or rezoning delays
- Investors holding land awaiting optimal market timing
- Owners consolidating or refinancing land parcels
- Landowners seeking strategic equity release before building
Specialists in Pre-Construction Lending
Why Partner with Alpha1 Financial Solutions?
At Alpha1 Financial Solutions, we specialise in strategic property finance and that includes understanding the unique challenges of land holding. We help developers:
Land Holding
Expertise
From DA risk to rezoning uncertainty, we understand the financial pressures developers face before a site is build-ready.
Access to
Real Capital
We work directly with brokers, advisers, and non-bank lenders – connecting you to funders who can move when banks won’t.
Project-Aligned Structuring
We shape loans around your timeline, planning status, and future refinance strategy – never a one-size-fits-all approach.
Straightforward
Advice
We’ll tell you what’s viable and what’s not – so you can act quickly, avoid delays, and make confident funding decisions.
FAQs
FAQs about Residual Stock Finance
Is land bank financing the same as a land loan?
Not quite. Land loans are typically used to purchase undeveloped land. Land bank financing is used to hold or prepare land you already own or control, often in the lead-up to construction.
Is land bank funding suitable if I haven’t secured a DA yet?
Yes, many borrowers use this facility while waiting on DA approvals or zoning changes. This type of funding is often used to bridge that gap.
Can I use this funding for site consolidation?
Absolutely. Land bank finance is often used while aligning multiple lots or cleaning up title/ownership structures pre-construction.
How quickly can I access funds?
We move fast particularly where sites are cleanly titled and valuation-ready. Speak with our team to discuss timelines.
