Development
Finance
Delivering the Right Funding for the Right Project
At Key Capital, we specialise in structuring tailored development finance solutions for developers and landlords seeking to fund residential-led or mixed-use schemes. Whether you’re acquiring land, converting existing property, or funding ground-up construction, our team works closely with you to deliver facilities that support your build programme, cash flow profile, and exit strategy.
We act as an extension of your team — from initial feasibility and lender engagement through to drawdowns and project completion. Our market access and lender relationships enable us to secure terms that are both competitive and commercially viable.
We work with a wide network of specialist lenders and private funds to arrange development finance for:
- Ground-up construction (residential, commercial, or mixed-use)
- Major refurbishments and permitted development schemes
- Conversions (e.g. commercial to residential)
- Developer exit loans (release equity or bridge to sale/refi)
CRITERIA HIGHLIGHTS
- Loans from £500,000 with no maximum cap
- Up to 90% Loan-to-Cost and 70% GDV
- Terms typically 12–36 months
- Interest rolled up (no monthly servicing required)
- Staged drawdowns linked to build milestones
- Lending available in England, Wales, and Scotland
AREAS WE CAN HELP
- Residential & Commercial Schemes including care & hospitality sectors
- Long term loans with option to switch from development to term loan
- Funding available for land with and without planning, part-built, or refurbishment schemes
- Developer exit products
Frequently Asked Question
We are happy to answer your queries on the phone or in person but here are answers to some of the most frequently asked questions we receive regarding development finance.
We can fund ground-up developments, conversions, heavy refurbishments, part-built schemes, and projects involving land with or without planning permission.
Loan sizes typically start from £500,000 with no upper limit. Terms range from 12 to 36 months, depending on the complexity and exit strategy of the project.
We can arrange loans up to 90% of the total build cost (Loan-to-Cost) and up to 70% of the Gross Development Value (GDV), depending on the deal structure.
Yes — funding is available for land both with and without planning permission. We can also support part-built projects and sites requiring planning uplift.
Not necessarily. While experience helps, we work with both seasoned developers and first-time clients. Having the right team and a clear exit strategy is key.
Funds are usually drawn in stages based on build milestones, supported by monitoring surveyor reports. This ensures smooth cash flow throughout the project.
