Illustrative scenario 01A 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 02Funding 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 03A 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 04Evidence focus: Link the build programme to the funding programme
A developer or commercial property owner wants to discuss ground-up development. Two points need attention: site and planning documents; 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 05Decision point: Contractor and professional team
A developer or commercial property owner has started a conversation about ground-up development, but the brief has changed. The review revisits two points: contractor and professional team; evidence of equity and contingency. The next step is agreed using the updated facts, with any unresolved questions recorded.
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.