THE CREDIT LANE
About this funding solution
Developer funding is structured fundamentally differently from a standard business loan — disbursal is tied to construction milestones rather than released upfront, which controls interest cost and aligns with RERA-mandated escrow practices.
Financing typically covers up to 70% of construction cost (excluding land), priced at roughly 11–16% per annum depending on project risk, developer track record and location, with tenure generally capped at 5 years for a single project cycle.
Because project risk is assessed on title clarity, approval status and developer track record together, early-stage due diligence is often the difference between a smooth sanction and a stalled one — this is where we front-load the work.
*Excludes land cost; disbursal released against construction milestones, not upfront.
Who is this solution for?
For developers with an approved plan ready to break ground, not early-stage land speculation.
- Developer with an approved layout/building plan ready to break ground
- Need funding across land, approvals or construction — not just one stage
- Project has clear title and RERA registration in progress or complete
- Looking for disbursal tied to construction milestones, not lump sum
Why consider this funding route?
Milestone-linked disbursal
Funds released in stages as construction progresses, reducing idle interest cost.
RERA-aligned structuring
Facility documentation built to align with RERA escrow requirements.
Land + construction coverage
Single relationship can span acquisition, approval costs and construction.
Exit-linked repayment
Repayment structured against projected unit sales/collections.
How it works
Project due diligence
Title, approvals and developer track record verified.
Facility structuring
Loan sized and staged against the construction timeline.
Sanction
Terms finalised including escrow and milestone conditions.
Milestone disbursal
Tranches released as each construction stage is certified complete.
Indicative Repayment (EMI) Calculator
Use the sliders below to get an indicative estimate. Final terms are subject to formal underwriting and lender / investor committee assessment.
Client experience
FAQs
Yes, though land-only funding typically carries a shorter tenure and stricter title requirements than construction-linked tranches.
A portion of buyer collections must stay in a RERA-designated account for construction — we structure loan disbursal to work alongside this, not around it.
Milestone-linked facilities typically allow renegotiation of tranche timing — we flag this during structuring so it isn't a surprise mid-project.
Construction finance carries higher execution risk than a purchase against a completed asset, which is reflected in the 11–16% pricing band versus 8.5–14% for purchase loans.
Check Eligibility
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