How we help you complete your project with confidence
Projects don’t always go to plan — and original funding caps can be exhausted. We arrange short-term funding that fills the gap between today’s costs and tomorrow’s outcome.
Private lending and non-bank solutions
We move fast with lenders who understand project timelines — and don’t need full revaluations or presales to proceed.
Cover cost overruns, variations, or delays
Whether it’s supplier blowouts, weather setbacks, or council delays — we help you stay funded to the finish.
Bridge the final stretch to CCC or title issue
We secure funding for developments that are 90% complete but need working capital to finish and realise value.
Exit-aligned lending structure
Your project only works if the numbers stack up. We make sure funding is built around your refinance or sale strategy — with contingencies in place if things take longer than expected.
We work with trusted bank and non-bank lenders
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FAQs about project completion finance
What exactly is project completion finance?
It’s short-term lending to help finish a development that’s near completion but underfunded. It’s typically used to cover final invoices, delays to CCC/title, or last-mile costs when a bank won’t extend.
Why wouldn’t my bank fund this final stage?
Banks often require full documentation, presales, and timeline certainty — which can fall apart at the tail end of a project. If your timeline slips or cost-to-complete goes over budget, banks may decline to extend.
How quickly can completion funding be arranged?
In urgent cases, 2–5 working days. If we have QS reports, valuations, and updated build status ready, we can move fast — especially with private lenders who focus on asset-backed lending.
Don’t let your project stall at the finish line.
Talk to a Luminate adviser today — we’ll assess your timeline, model your funding shortfall, and structure a plan that gets you to the final handshake.
We work with trusted bank and non-bank lenders
Read, watch & listen to insights
First Home
Buyers Guide
Development
Finance Guide
Bridging Finance
Made Simple
Self Employed
Borrowing Guide
Investors
Memorandum
What our clients are saying
We needed funding within days to secure a development site. The banks said no—Luminate said yes. Funds landed within 48 hours and we didn’t miss the deal.
Mike T.
As a self-employed couple, we were getting knocked back left and right. Luminate understood our situation and structured a mortgage that worked. Game-changer.
Andrea & Tim D.
My bank gave me the runaround for months. Luminate had my loan approved in a week—even with a tricky credit history. Can’t thank them enough.
Lucy M.
Trent and Farea - you rocked it :). It was the easiest and the best first home mortgage advice/transaction we have ever had. Farea Khan went above and beyond.
Jashnil K.
We contacted them with the feeling was “give it a try, but no hope”. And now we are sitting on our couch in our living room in our new house and waiting for Christmas.
Marita H.
Total rock stars and know the financing game inside out - extreme professionalism, high level contacts, and a true understanding of the numbers.
Kesh M.
Our business & property lending solutions
Commercial property loans
Buy, refinance, or restructure commercial and industrial property. Whether it’s owner-occupied or investment — we’ll help you access sharp funding from banks or specialist lenders.
Working capital & business loans
Free up cash to invest in stock, expand your team, or bridge accounts receivable. We structure lending that works with your business model and cash cycle.
Development & construction finance
From duplexes to multi-unit projects — we arrange funding for site purchase, civil works, vertical construction, and more. Progress drawdowns, turnkey loans, and bank/non-bank options.
