Private project funding
Commercial, Construction & Development Finance Australia Wide.
Northwest Commercial Finance structures private capital around active building phases, with clear criteria and lending stages that keep your project moving.
Funding tracks
Structured for each phase of the build
Private capital shaped around land acquisition, development, and construction. Each track is matched to the project stage it serves.
Land acquisition
Short-horizon private funding to secure a site before the development plan is finalised.
Development finance
Capital for pre-construction and entitlement work, sized to the stages that move a project forward.
Construction funding
Drawdown-aligned capital for commercial builds, paced against verified progress milestones.
Eligible businesses
Built for teams that build
Developers, commercial builders, and project sponsors with a defined project, a clear budget, and an exit strategy are the teams we work with.
Our criteria are straightforward: LVRs up to 75% of GRV (with first and second mortgages), no hard requirement for pre-sales, a documented project scope, experienced delivery leadership, and a realistic path to completion. We will tell you early whether private funding fits your project.
Ready to discuss your project?
Share the scope, stage, and funding need. We will respond with a clear view of whether private funding is the right fit.
A clear path through project funding
Why Use Northwest?
Northwest Commercial Finance focuses on private funding for commercial property, construction and development projects across Australia. Our approach brings the project scope, budget, security and repayment strategy together before funding is structured.
Providing loans since 2001
Northwest has been providing loans since 2001. We focus on private funding for commercial property, construction and development projects across Australia.
A clear assessment process
Our published process covers documentation, underwriting review, site verification and capital release, so you can see what information is needed at each step.
Funding aligned with progress
For active construction projects, drawdowns follow agreed milestones and verified progress. Read the client experiences published on our testimonials page.
Completed funding examples
Before you enquire
Commercial, construction and development finance FAQs
What is the maximum LVR?
The maximum loan-to-value ratio (LVR) is 75%.
What loan terms are available?
Loan terms are available for up to 5 years.
What loan amounts are available?
Loan amounts range from $500,000 to $100 million.
Which regions does Northwest cover?
Northwest provides loans across all Australian states.
Who can apply for project finance?
Northwest works with developers, commercial builders and project sponsors with a defined project, a clear budget and a proposed exit strategy. Assessment considers the project stage, security, delivery experience and repayment plan. Contact Northwest with your project outline to discuss whether the funding approach fits.
What documents should I prepare?
Start with the property address, funding amount, project purpose, borrower details and proposed repayment strategy. Include plans, budgets and schedules where available. For construction or development, outline the planning status, work completed and next milestone. The team will identify any further information needed during assessment.
Are pre-sales required for construction or development finance?
Northwest’s published criteria do not set a hard requirement for pre-sales. Each project is assessed on its own circumstances, including the budget, proposed security and repayment strategy. The pre-sales position and any funding conditions need to be confirmed for the proposed facility; an enquiry is not an approval or commitment to lend.
What are the stages from enquiry to funding?
The application process covers documentation submission, underwriting review, site verification and capital release. Information or clarification may be requested during assessment. Required documents and funding conditions must be satisfied before settlement or a drawdown. Review the finance application process for more detail.
How are construction funds released?
For active construction projects, funds are released against agreed milestones rather than as a single payment. Draw requests are linked to work completed on site, with inspections verifying progress before authorisation. Releases follow the agreed drawdown process and facility conditions. Explore construction finance.