INSIGHTS
What Developers Should Prepare Before Seeking Capital
Securing capital for a development starts well before a facility is documented.
The clearer the project is at the beginning, the easier it becomes for a capital provider to understand the transaction, assess its commercial merits and identify the structure that may be appropriate.
Every development is different, but there are several areas developers should be prepared to discuss when approaching a capital provider.
Start With the Project
A clear overview of the development provides the foundation for the conversation.
This should explain what is being developed, where the project currently stands and what needs to happen next.
Depending on the transaction, this may include the project type, development stage, construction position and intended outcome.
The objective is not simply to present a funding request. It is to help the capital provider understand the development behind it.
Understand Your Capital Requirement
Developers should have a clear view of:
How much capital is required
What the capital will be used for
When it will be required
Where the project currently sits financially
What needs to be funded through to completion
A well-understood capital requirement helps create a more productive discussion around how the transaction may be structured.
Be Clear About the Construction Position
For projects already underway, the current construction position becomes particularly important.
This includes understanding what has been completed, what remains outstanding and any issues that may affect the path to completion.
Bancable considers development as a whole, including the project, commercial structure, construction process, drawdowns, completion and exit.
Know the Commercial Structure
A development transaction is more than the build itself.
Developers should be prepared to explain the broader commercial structure surrounding the project.
That means being clear about how the transaction is intended to work, the capital already committed to the project and the pathway from funding through to completion.
This gives the capital provider a better understanding of the transaction on its commercial merits rather than viewing it through a standardised model.
Have a Clear Exit Strategy
The exit is an important part of understanding the transaction.
Developers should be able to explain how they expect the facility to be repaid once the project reaches the relevant stage.
The appropriate exit will depend on the development and its circumstances, but having a considered pathway helps demonstrate how the transaction is intended to progress from capital deployment through to completion.
Identify Issues Early
Not every project will be perfect.
A development may already have encountered delays, cost movements, construction issues or a change in funding requirements.
Being transparent about those circumstances gives everyone a clearer picture of the transaction.
Bancable’s positioning is based on assessing transactions on their commercial merits and understanding the project rather than forcing every opportunity into the same model.
The Better the Understanding, the Better the Conversation
Preparing for a capital discussion is ultimately about clarity.
The more clearly a developer can explain the project, its current position, capital requirements and intended exit, the easier it becomes to have a meaningful commercial conversation.
For Bancable, the starting point is understanding the transaction as a whole.
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Bancable provides direct capital for construction, development and property-backed commercial transactions, combining commercial judgement with a genuine understanding of the development process.
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