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
Testimonials
Mortgage Broking & Finance Clients
From our very first interaction, it was clear that Trent was genuinely invested in our success at Gratpak. As a result of his support, we were able to secure the funding necessary to invest in new technologies and streamline our production processes. I wholeheartedly recommend Trent Bradley to any business seeking a knowledgeable and dedicated financial partner. His expertise and support have been invaluable to us, and I am confident he can help others achieve their financial goals as well!
Sandeep Puri
GratPak Ltd
We knew about Luminate last November from our friend. We contacted them with the feeling “give it a try, but no hope” because we tried so many times before. And now…we are sitting on our couch in our living room in our house waiting for Christmas…The biggest Christmas gift ever in our life.. Just like a dream come true guys!
Luminate Financial Group has the best service which is out of your expectation. They are reliable, fast and super easy.
Marita Huynh
I've had the pleasure of working with Trent Bradley from Luminate, and I can confidently attest that he's a game-changer. With decades of experience under his belt, he navigates even the most challenging times with ease, providing unparalleled guidance and support.
If you're looking for a finance expert who will make your financial goals a reality, look no further than Trent Bradley. Highly recommended!
Garry Singh
Ray White NZ
Investors
Something that is troubling when you have funds to invest is trusting a Company to ‘keep it simple’ and deliver a fair ROI …..and who do the job of increasing the capital value, report monthly in a format I can read and understand and be there if I have questions. Luminate has delivered for me over the past 5 years on an investment of a couple of million. It’s a joy, its simple and effortless on my part, which speaks volumes about the quality of the team.
SR
We have known Trent Bradley for 28 years through a mixture of seeking his advice on borrowing, financing or lending funds for various activities we have engaged in.
With Luminate managing our money we have over the past 28 years had complete peace of mind. We are very pleased to share our experiences with Trent as he is a bedrock to our financial progress.
Michael and Gwyn Gray
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.
