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Capability 05 · Subdivision & Civils

Subdivision funding, staged against title release.

Civil works and subdivision funding structured against staged release of titles, with revolving facilities for serial subdividers. We work with lenders who underwrite the staging plan, not just the end-state.

$140M+
Subdivision funding
4stage
Average release count
80%
Up to 80% LVR on civils cost
Revolving
Common facility structure
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.

Stage-matched drawdowns

Lender drawdowns align to your construction program — civils, headworks, titles registered, lot sales settled. Sized to working capital cycle, not just total project cost.

02.

Revolving for serial subdividers

If you're rolling capital across multiple subdivision projects per year, we structure revolving facilities that follow the program. No re-mandating every project.

03.

Sales-release matched repayment

Partial discharge mechanics negotiated upfront so each title release auto-discharges its proportional facility share — clean for purchasers, clean for the lender.

04.

Sub-regional and corridor experience

We've placed facilities in every major growth corridor — south-east QLD, north-west Melbourne, western Sydney, Hunter, Geelong, Sunshine Coast hinterland.

How it works

From brief to settlement in four steps.

01

Brief

Site, stages, lot count, indicative civils cost, expected pricing per lot, off-the-plan pre-sales.

02

Indicative

48hr indicative terms with drawdown schedule mapped to your civils program.

03

Mandate

Lender selection. Formal credit submission with civils contract, surveyor program, sales agency brief.

04

Roll

Settle, draw against milestones, register titles, discharge against settlements. Repeat for serial sponsors.

What we finance

Built for the deal in front of you.

We finance residential subdivisions, industrial subdivisions and mixed-use staged releases across Australia. Single-stage projects through to 12-stage corridor developments. Sub-50 lots to 500+ lots.

For serial subdividers operating multiple concurrent projects, we structure revolving capital facilities that follow your construction calendar rather than locking capital per project.

Typical structure
Quantum$5M – $250M+
SectorsResidential · Commercial · Industrial · Mixed
LVR (civils cost)Up to 80%
LVR (end value)Up to 65%
Term18 – 36 months (per stage)
PricingBBSY + 3.00% to + 6.50%
StructureRevolving for serial
FAQs

Frequently Asked Questions — Subdivision Finance

What is land subdivision finance?
Land subdivision finance funds the civil works, infrastructure and holding costs associated with subdividing land into individual titled lots. Drawdowns are staged against civil milestones, with repayment matched to the progressive release and sale of individual titles.
Can Evcorp arrange revolving facilities for serial subdividers?
Yes. For developers with multiple or consecutive subdivision projects, Evcorp arranges revolving facilities that allow capital to be redeployed as each stage is completed and titles released. This structure significantly improves capital efficiency compared to single-project facilities.
What LVR is available for subdivision finance?
Senior subdivision finance typically ranges from 60–70% of the completed lot value or land value depending on DA status, location and developer track record. Evcorp works with specialist non-bank lenders who understand corridor and sub-regional subdivision markets.
How are drawdowns structured in subdivision finance?
Drawdowns are staged against civil construction milestones — earthworks, services, roads and titling. Repayments match the settlement of individual lot sales, so the facility progressively reduces as titles are released. Interest is typically capitalised during the civil works phase.
Related

Other capabilities.

Land Bank Finance

Holding finance for strategic land while approvals progress.

Development Finance

Construction funding once titles are staged and ready to build.

Refinances

Refinance completed stages to release equity for the next.

Same project, smarter capital.

Send your staging plan and civils cost estimate. We'll structure a facility that matches your release schedule, not the lender's default product.

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