Private construction loans up to 85% TDC. First mortgages, mezzanine finance, and preferred equity. $5M to $100M across Sydney, Melbourne, Brisbane, and Dubai. Indicative terms within 48 hours. No committees. No delays.
GravityCapital is a non-bank private lender providing construction loans, first mortgages, mezzanine finance, preferred equity, bridging finance, and structured property finance across Australia and Dubai. Deal sizes from $5 million to $100 million. Indicative terms within 48 hours. Banks take 8 to 12 weeks and cap at 65% TDC. We do not.
Construction finance for residential and commercial property development. Up to 85% of Total Development Costs for experienced developers with a proven track record. None to low presales considered for qualifying projects with strong feasibility and a clear exit strategy. Progressive drawdowns against quantity surveyor certified milestones. $5M to $100M across Sydney, Melbourne, and Brisbane.
Asset-backed first mortgage lending for property acquisition, site purchase, and hold financing. We assess the property and the exit strategy, not solely your credit score. Settlement in days, not months. If the asset supports the loan and the exit is clear, we move fast.
Mezzanine finance reduces the equity a developer needs to contribute to a project. It is structured as a second mortgage or caveat over the development site, sitting behind the senior first mortgage. By reducing cash equity requirements from typically 25–35% of TDC down to 10–15%, mezzanine finance allows developers to run multiple projects simultaneously from the same capital base.
Preferred equity sits junior to debt but senior to common equity in the capital stack. It attracts equity-style returns and provides developers with leverage beyond what senior debt alone can achieve. It reduces cash equity contribution without excessive dilution of common equity. Need more than debt but want to keep control? This is the structure.
The site is available now. Settlement is in 14 days. The bank needs 12 weeks. GravityCapital moves in days. Short-term bridging finance for site acquisition ahead of construction funding, settlement gaps, refinance transitions, and urgent capital requirements. Secured against the asset. Fast approval.
Large deal. Complex structure. Multiple capital layers. GravityCapital structures the entire capital stack — senior debt, mezzanine, and preferred equity — as a single institutional-quality facility. For developers and investors operating across the Sydney, Melbourne, Brisbane, and Dubai corridor who have outgrown single-product lenders.
Sydney. Melbourne. Brisbane. Dubai. No other Australian private credit firm operates across all four. That means deal flow from two of the world's most active property markets — and capital that moves in both directions.
GravityCapital provides private construction loans, first mortgages, and mezzanine finance for property development projects across greater Sydney. The firm lends from $5 million to $100 million for residential and commercial developments including townhouses, boutique apartments, and mixed-use projects across the Eastern Suburbs, North Shore, Inner West, Parramatta corridor, and Sydney CBD. Construction finance is available with none to low presales for qualifying Sydney developers. Sydney moves fast — GravityCapital moves faster than any bank. Indicative terms within 48 hours.
GravityCapital provides private construction finance for property developers throughout metropolitan Melbourne and Victoria. Loan sizes from $5 million to $100 million. Up to 85% of Total Development Costs for experienced Melbourne developers with strong project feasibility. The firm lends on residential townhouse, apartment, and mixed-use developments with none to low presales considered for qualifying projects. GravityCapital is one of the only private lenders in Australia offering up to 85% TDC in the Melbourne market.
GravityCapital provides private construction loans and development finance across Brisbane, Gold Coast, Sunshine Coast, and greater Queensland. Brisbane is Australia's fastest growing major property market. The 2032 Brisbane Olympics infrastructure pipeline is driving significant development activity across South East Queensland. GravityCapital funds residential, townhouse, and mixed-use commercial projects from $5 million to $100 million. If you are building ahead of the Olympics wave, fast and flexible private credit is essential — and GravityCapital wants to talk.
GravityCapital is one of the only Australian private credit firms with an active deal presence in both Australia and Dubai. The firm structures cross-border property finance transactions for Australian developers and investors accessing UAE markets, and for UAE-based family offices and institutions seeking exposure to Australian real estate credit. This AU and MENA corridor capability is unique in the Australian private credit market. No other Australian private lender operates both sides of this corridor.
Banks average 8 to 12 weeks for a credit decision on construction finance. GravityCapital delivers indicative terms in 48 hours. On a live deal, 10 weeks is the difference between securing the site and losing it to a faster buyer.
Major Australian banks cap construction lending at 60 to 65% of Total Development Costs. GravityCapital funds up to 85% TDC for experienced developers with strong feasibility and clear exit. This is one of the highest leverage positions available in the Australian private credit market.
Banks require 70 to 100% presales before releasing a single dollar of construction funding. GravityCapital assesses none to low presales projects on feasibility, developer track record, and exit strategy. You build first. Sales follow the product — not the other way around.
The $5M to $100M mid-market is the most underserved segment in Australian property finance. Major banks find these deals too complex. Most non-banks cannot reach the upper end. GravityCapital was built specifically for this gap. This is not one of the things we do — it is the only thing we do.
From senior construction debt to mezzanine, preferred equity, and bridging finance, GravityCapital structures the full capital stack. We are not a single-product lender. If your project needs a blended debt and equity solution, we structure it as one institutional-quality facility.
No other Australian private credit firm maintains an active presence in both Australian east coast markets and Dubai. This gives GravityCapital a unique ability to connect capital across the AU and MENA corridor — sourcing, structuring, and settling deals in both directions.
No opaque committees. No unexplained holdups. GravityCapital moves at the pace that property development demands. If the numbers work, we move.
Send a one-page deal summary — property address, project overview, total development cost, proposed loan amount, and your exit strategy. Email directly or use the contact form. No lengthy applications at this stage.
Within 48 hours we send indicative terms — proposed loan amount, rate, term, and LVR. No credit check. No commitment. No obligation. If the numbers work for you, we proceed. If they do not, you have lost nothing except 48 hours.
Indicative terms accepted — we move to formal due diligence. Valuation, quantity surveyor assessment for construction, and legal documentation. Formal term sheet issued within the agreed timeframe. You talk directly to the people making the decision.
Loan settles and funds are drawn progressively against QS-certified construction milestones. GravityCapital actively manages the loan through to full repayment. An ongoing relationship — not a transactional handoff.
The most common questions from property developers, brokers, and investors about how GravityCapital works, what we lend on, and how private credit compares to bank financing in Australia.
Have a site, a deal, or a project that needs private credit? Send us the basics. We respond within 24 hours and deliver indicative terms within 48. No brokers between you and the decision. You talk directly to the people who say yes.
GravityCapital works with property developers, commercial mortgage brokers, family offices, and private investors. All enquiries are treated with absolute discretion.
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Enquiry Received
We will respond within 24 hours. Indicative terms follow within 48 hours.Legal Disclaimer: GravityCapital provides financial services to wholesale clients only within the meaning of section 761G of the Corporations Act 2001 (Cth). Nothing on this website constitutes financial product advice, a credit product, an offer or invitation to invest, or a recommendation to acquire or dispose of any financial product. All information is general in nature and has been prepared without taking into account your individual objectives, financial situation, or needs. Before acting on any information on this website you should consider its appropriateness having regard to your own circumstances and, where appropriate, seek independent professional advice from a qualified financial adviser, lawyer, or accountant. All lending facilities are subject to credit assessment, eligibility criteria, satisfactory security, and GravityCapital's internal approval processes. Interest rates, fees, terms, and conditions apply and are subject to change. Past performance and deal outcomes referenced on this website are not indicative of future results. GravityCapital operates in Dubai through its UAE-registered entities and all cross-border transactions are subject to applicable Australian and UAE regulatory requirements, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). Privacy Policy