5 illustrative situations for ground-up development, with preparation questions and considerations. These are not actual client cases or promised outcomes.
Illustrative scenarios, not client case studies.
These examples explain situations worth discussing. They are not records of actual clients, approvals, quotations or completed transactions. Any outcome would depend on an individual assessment.
Illustrative scenario 01
A new-build scheme with consent
A developer wants funding to build from the ground up. Land, build costs and professional fees need a clear appraisal.
Useful information for the conversation
Site and planning documents
Detailed appraisal and programme
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Illustrative scenario 02
Funding releases during construction
A developer needs to understand the drawdown process. Monitoring and cash held between releases matter.
Useful information for the conversation
Detailed appraisal and programme
Contractor and professional team
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Illustrative scenario 03
A change in construction costs
A budget has moved since the original appraisal. Updated costs and contingency need assessment before reliance on funding figures.
Useful information for the conversation
Contractor and professional team
Evidence of equity and contingency
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Illustrative scenario 04
Evidence focus: Link the build programme to the funding programme
A developer or commercial property owner is considering ground-up development. The brief includes site and planning documents and a separate question about detailed appraisal and programme. Site acquisition, enabling works and construction do not necessarily receive funds at the same time. The evidence and the decision need to be considered together rather than in isolation.
Useful information for the conversation
Evidence of equity and contingency
Site and planning documents
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Illustrative scenario 05
Decision point: Contractor and professional team
A developer or commercial property owner is preparing for ground-up development, but the information about contractor and professional team changes while a question about evidence of equity and contingency remains unresolved. The earlier outline is updated, the original focus is reconsidered and the next step is agreed using the current facts.
Useful information for the conversation
Site and planning documents
Detailed appraisal and programme
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
The wider assessment
Link the build programme to the funding programme
Site acquisition, enabling works and construction do not necessarily receive funds at the same time. We review contractor terms, professional fees and monitoring requirements alongside the facility. The borrower's cash contribution must be available when required.
A facility limit is not the same as day-one cash. Planning conditions or surveyor requirements can delay drawdowns.