Residual Stock Finance
Strategic funding solutions for developers managing unsold stock
You’ve completed the project, but a portion of dwellings remain unsold, slowing your next move and increasing holding costs.
Residual Stock Finance unlocks equity from those dwellings, helping you maintain momentum and execute a more profitable, well-timed sales strategy.
At Alpha1 Financial Solutions, we work with developers and their advisors to structure tailored exit finance for completed projects holding residual stock.
What is Residual Stock Finance?
Residual Stock Finance is a short-term loan secured against the remaining unsold dwellings in a completed development. It typically replaces your construction finance once the project is complete – unlocking capital, improving cash flow, and giving you more time to sell at the right price.
Capital Release
Free up funds tied in unsold stock and reinvest into new opportunities.
Smarter Refinance
Switch out of expensive construction loans and access low rate, interest only funding.
Sales Flexibility
Hold stock longer without pressure to discount. Sell down strategically to maximise returns.
Cash Flow Control
Reduce servicing pressure while keeping momentum between projects.
When to consider Residual Stock Finance
You may benefit from a residual stock loan if:
- Your project is complete but not all dwellings have sold
- Your construction loan is expiring or becoming expensive
- You want to avoid discounting prices under lender pressure
- You’re looking to release equity for the next project
- Market conditions have shifted and require a revised sales strategy
From stock to settlement
Step 1: Assess your completed stock
We’ll review the number of unsold dwellings, location, expected market value, and any rental income currently being received.
Step 2: Structure the loan
We’ll negotiate terms aligned with your goals from interest-only bridging through to staged repayments linked to sales.
Step 3: Secure fast funding
With relationships across bank and non-bank lenders, we can move quickly to refinance your development debt and unlock capital.
Designed for developers managing unsold stock
We support developers and investors across:
- Multi-unit residential projects
- Townhouse and boutique apartment developments
- Mixed-use assets with residential components
- Projects with delayed presales or changing market conditions
Why Partner with Alpha1 Financial Solutions?
Most brokers focus on simply placing a loan. At Alpha1 Financial Solutions, we act as your strategic finance partner helping you think through timing, lender fit, and future project plans.
Deep Development Expertise
Our team brings firsthand experience advising on hundreds of transactions across residential and commercial assets.
Credibility
in Market
We work closely with law firms, accountants, and funders — giving you access to serious capital partners, not just rate sheets.
Tailored
Structuring
We’ll shape the finance around your cash flow, exit strategy, and balance sheet, not force you into a one-size loan.
Clear, Candid
Advice
We tell you what’s viable, and what’s not, so you can make informed decisions with confidence and speed.
FAQs about Residual Stock Finance
What can I use residual stock finance for?
You can use it to refinance existing construction debt, fund your operations, purchase another site, or hold stock while you sell gradually.
How quickly can I get funding?
Indicative terms can often be issued in 48–72 hours, with settlements as fast as 5–10 business days once valuation and legal are complete.
What kind of stock qualifies?
Typically completed residential dwellings, ideally strata-titled and individually saleable. Townhouses, apartments, and duplexes are all eligible.
What’s the main difference from construction finance?
Residual stock funding is generally cheaper, shorter-term, and based on completed value – not project cost-to-complete.
