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Capability 02 · Strategic Land Holding

Land-bank finance, aligned to your approvals pathway.

Holding finance for strategic land acquisitions with terms shaped around your DA timeline, not a generic 12-month box. We work with non-bank senior lenders and private credit funds that understand land risk — and price it sensibly.

Our specialist land lenders move efficiently. With flexible terms and up to 70–75% LVR, we structure facilities designed to keep your project moving and position you for the construction stage ahead.

$210M+
Land facilities arranged
70–75%
LVR available
36mo
Common facility term
4wks
Median credit decision
Why Evcorp

The same deal, a better outcome.

Sponsors who engage Evcorp before approaching lenders consistently achieve higher approval rates, tighter pricing and better terms. Here is why.

01.

Approvals-aligned terms

Your facility tenor, IO structure and exit mechanics match your planning pathway — not the lender's default 12-month land product. We negotiate extension options upfront, not at the eleventh hour.

02.

Land-friendly capital

Most major banks won't write land bank without significant pre-sales — and price it as risk paper when they do. We go direct to non-bank seniors and private credit funds whose models are built for this exposure.

03.

Headroom for the next stage

We structure facilities so capitalised interest, contingency and approvals costs are sized into the facility. You don't end up undercapitalised at the construction stage handover.

04.

Optionality at exit

Refinance into construction debt at expiry, sell out, or extend. We brief the lender on your three exit scenarios at credit submission so none of them trigger a re-rate.

How it works

From brief to settlement in four steps.

01

Brief

Site, contract status, planning pathway, holding horizon, exit scenarios.

02

Indicative

Indicative terms within 48hr from non-bank senior + private credit options.

03

Mandate

Formal credit submission with planning evidence, comparable sales, valuation brief.

04

Settle

Settle in 4–6 weeks. Quarterly check-ins during the holding period at no extra fee.

What we finance

Built for the deal in front of you.

We finance strategic land holdings for residential, industrial, mixed-use and englobo development. Whether you're holding englobo land through rezoning, accumulating adjoining lots, or warehousing greenfield while DA progresses, we structure for the holding period that fits your strategy.

Where the lender needs comfort on exit, we work alongside your planning consultants to package the credit story.

Typical structure
Quantum$5M – $150M+
Asset typesEnglobo · Greenfield · Strategic
LVR (raw land)Up to 65–70%
LVR (DA approved)Up to 70–75%
Term12 – 36 months
PricingBBSY + 3.50% to + 7.00%
Cap. interestSized into facility
FAQs

Frequently Asked Questions — Land Bank Finance

What is land bank finance?
Land bank finance is a loan used to hold or accumulate land while planning approvals are obtained or while waiting to commence development. Facilities are typically interest-only with terms of 12–36 months, structured around the developer's DA timeline rather than a generic bank product.
What LVR is available for land bank finance?
Raw land without DA approval typically attracts up to 65–70% LVR from specialist non-bank lenders. DA-approved land can achieve up to 70–75% LVR. Major banks rarely lend on land bank without significant pre-sales, so Evcorp works directly with non-bank and private credit funds that understand land risk.
How long can a land bank facility run?
Land bank facilities typically run 12–36 months. Evcorp structures extension options upfront — negotiated at credit submission, not at the eleventh hour — so your facility terms align with your planning pathway rather than a generic bank product.
Can Evcorp arrange land bank finance for englobo and greenfield land?
Yes. Evcorp arranges land holding finance for englobo land through rezoning, accumulation of adjoining lots, and greenfield land during DA progression. We package the credit story alongside your planning consultants where lenders need comfort on exit.
Related

Other capabilities.

Development Finance

Senior debt and stretch senior construction funding from $10M to $500M+.

Land Subdivisions

Civil works and staged title-release funding for serial subdividers.

Acquisitions

Pre-settlement structuring for commercial and investment-grade property.

Holding the right land at the wrong cost?

If your current land facility is squeezing capitalised interest or forcing pre-sales you don't yet have, we should talk.

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