Construction Finance Advisory Debt Placement

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Construction Finance Advisory

Construction debt is won or lost on structure. Lenders fund when the budget is credible, the cost-to-complete is controlled, the draw mechanics are clean, and the takeout path is realistic.

We build lender-ready packages, design the facility mechanics, and coordinate a disciplined term sheet process. We do not lend directly. Capital is provided by third-party lenders and regulated firms under their own terms.

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Who This Is For

Developers financing new build, repositioning, or phased delivery projects
Contractors needing working capital tied to certified payment cycles and retention
Owner-operators refinancing or recapitalizing projects mid-execution
Consortia executing infrastructure or PPP projects with defined milestones

Mandate Scope

Facility structure: senior, bridge, mezzanine, unitranche, A note and B note where relevant
Draw framework: budget line-item mapping, retainage, contingency, and approvals
Underwriting pack: model outputs, sources and uses, risk memo, covenant and reserve design
Control stack: third-party monitoring, reporting cadence, and proceeds routing
Term sheet coordination through documentation and closing workstreams

For real estate development and construction, see Structured Debt for Commercial Real Estate.

Debt Solutions We Structure And Place

Structure	Best For	Control And Underwriting Focus
Senior construction loan	Permitted projects with a defined budget, schedule, and validated delivery path	Cost-to-complete, draw approvals, contingency and retainage, third-party monitoring, insurance, step-in rights
Bridge to construction	Acquisitions or land phases moving into construction after defined milestones	Milestone gating, refinancing conditions, takeout plan, sponsor equity controls
Mezzanine / unitranche	Equity gap fills when senior leverage is capped or timelines require speed	Intercreditor terms, payment waterfall, cure rights, governance, downside protection
Cost-to-complete facility	Projects requiring a controlled completion capital buffer to reach stabilization	Budget discipline, variance reporting, independent verification, cash controls, triggers and reserves
Contractor working capital	Contractors managing certified payment cycles, retention, and procurement timing	Receivables quality, contract terms, certification process, concentration risk, cash management
Performance security support	Bid, performance, advance payment, or retention security requirements	Beneficiary wording, issuer acceptability, collateral plan, issuance timeline, compliance and documentation

For mid-stack solutions, see Mezzanine and Unitranche Financing. For construction-related instruments, see Standby Letter of Credit for Construction Projects.

What Lenders Will Pressure-Test

Budget, Schedule, And Execution

Budget credibility, contingency, and change order controls
Cost-to-complete and variance reporting discipline
EPC or GC terms, liquidated damages, and warranty framework
Permits, sequencing, and critical path realism

Cash Controls And Takeout

Draw and approval mechanics, retainage, and reserves
Proceeds routing, cash trap logic, and covenant package
Stabilization plan and takeout assumptions
Third-party monitoring, insurance, and claims process

If the file cannot answer who approves draws, who verifies progress, and how cost-to-complete is controlled, terms tighten or the deal fails.

Engagement Procedure

Step	Sequence	Commercial Output
1. Client Intake	Submit your project summary, budget, schedule, contracts, and target raise.	Eligibility decision and a defined underwriting path.
2. Structuring	Design the facility, draw controls, reserves, covenants, and proceeds routing.	Facility blueprint and lender-facing term sheet targets.
3. Underwriting Package	Build lender materials, financial model outputs, risks list, and diligence response set.	Clean data room and credit-ready submission pack.
4. Term Sheets And Closing	Targeted outreach, term sheet selection, documentation sequencing, and closing coordination.	Executable terms and funding through third parties.

FAQ

Do you provide direct lending?

No. We act as an advisor and placement coordinator. Capital is provided by third-party lenders and regulated firms under their own licences, documentation, and approvals.

Can you support performance security and bank instruments for construction contracts?

Yes, subject to beneficiary wording, issuer acceptability, and a credible collateral plan. See Standby Letter of Credit for Construction Projects.

What is the fastest way to get a clear answer?

Submit a complete file: budget, schedule, permits status, contracts, equity position, and any existing lender feedback. Start here: Client Intake.

Do you work on PPP and infrastructure projects?

Yes, where the procurement and financing path is defined and documentation can be prepared for lender review. See PPP and Project Finance Transaction Advisory.

Apply with your construction file. If it is executable, we will revert with a facility structure, control plan, and lender-ready next steps.