Enter your own project numbers to see the loan a construction lender could offer, the equity you’ll need, and your profit and return, with a full funding table.
| Item | Senior debt | Your equity | Total |
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We work with banks and private construction lenders, from small subdivisions to multi-unit projects. Send us your numbers and our team will come back with indicative terms.
Talk to our teamHow this calculator works. Net realisation value (NRV) is the GRV less GST and agent commission (plus GST on the commission). Under the margin scheme, GST is one-eleventh of the difference between the GRV and the original site purchase price; if the site was bought as a taxable supply, the margin scheme may not be available. Total development costs (TDC) are all project costs plus contingency and finance costs. The indicative loan is the lowest of: the LVR limit on NRV, the loan-to-cost limit on TDC, and the costs not already covered by your equity. Finance costs are worked out on that loan, so the calculation repeats until the numbers settle. Interest is estimated on the average drawn balance over the construction and sales buffer period.
What it doesn’t cover. Presale requirements, staged or mezzanine funding, GST cash flow during construction, income tax, land tax, and lender-specific fees, valuations and conditions. Each lender assesses the project, builder, developer experience and exit plan differently. The numbers you enter aren’t saved or sent anywhere.
Important. This calculator is general information only. It isn’t financial, tax or credit advice or an offer of credit, and doesn’t take your circumstances into account. Get tax advice on GST and the margin scheme. Factor Capital is a trading name of Zinc Finance Pty Ltd (ABN 90 668 675 965). Factor Capital arranges finance for business and commercial purposes only. It does not provide credit assistance for consumer credit regulated under the National Consumer Credit Protection Act 2009 (Cth), including home loans and personal loans.
