Construction Lending Submissions
Lender-Ready Construction Finance Submissions — Done For You
We prepare a structured document package for a lender to review your development. The lender decides whether to assess or approve the application.
Enquire About Your Project
What is a Construction Lending Submission? A Construction Lending Submission — also called a Lender Information Memorandum (LIM) — is a structured document package that presents your development project to non-bank lenders in the format their credit teams require for assessment. It covers: site and title overview, planning consent status, construction cost breakdown, proposed loan structure, exit strategy, and borrower profile. Creative Finance Consultants prepares these submissions for 10+ unit residential and commercial developments in New Zealand, Australia and the United States only, starting from NZD $3,000 + GST.
The Challenge
Put the Project Information in One Place
A clear submission brings the project facts, assumptions and outstanding questions together for lender review.
Missing Documentation
Lenders receive incomplete submissions with no clear deal narrative, missing entity structures, or expired build contracts.
No Lender-Facing Structure
A stack of builder quotes and S&P agreements is not a submission. Lenders need information presented in a format they can assess.
Unanswered Questions
Missing or unclear information can lead to further questions. We identify the documents and explanations still needed.
The Service
What’s Included in a Creative Finance Consultants LIM
We structure, draft and format a Lender Information Memorandum using the documents and information you supply.
Executive Summary
A concise narrative of the deal, borrower, and finance request written for a credit officer.
Borrower & Entity Profiles
Full entity details, company numbers, NZBNs, directorship structure, and shareholding table for every SPV involved.
Property & Title Summary
Lot references, title identifiers, zoning, site area, existing encumbrances, and council details.
Build Contract Analysis
Contract values, builder details, fixed-price status, condition deadlines, warranty coverage, and PC/provisional sum disclosure.
S&P Agreement Status
Purchase prices, settlement dates, deposit structure, and MoV history — clearly laid out.
Programme Overview
Where this deal sits within a broader development pipeline, giving lenders visibility of the full opportunity.
Key Considerations Register
We record known issues, missing information and assumptions for the lender to consider. This does not replace independent due diligence.
Confidentiality & Disclaimer
A confidentiality notice and a statement of the document’s purpose and limits.
Eligibility
Who This Service Is For
For business entities preparing a construction finance submission, and brokers acting for those clients.
Property Developers
Property developers with construction finance applications to tier-2, non-bank, or private lenders.
First-Time Developers
First-time commercial developers who need help assembling a structured lender submission.
Finance Brokers
Brokers who want to submit on behalf of their clients without doing the document preparation themselves.
Repeat Developers
Repeat developers running multi-lot programmes who need a replicable submission framework.
How It Works
Four Steps to a Lender-Ready Submission
A clear, managed process from your first enquiry through to a print-ready document.
Enquire
Tell us about your project and the lender(s) you are targeting.
Document Collection
We provide a checklist of the documents and information needed for your submission.
We Prepare Your LIM
We structure, draft and format your Lender Information Memorandum.
Submit with Confidence
You receive a formatted, print-ready document for your lender to review.
Indicative Pricing
Indicative Pricing
We scope each engagement individually based on the documents, entity structures and lender requirements involved. The figures below are starting-from rates for a minimum 10-unit development submission.
New Zealand
From NZD $3,000 + GST
Non-bank, private, and tier-2 lender submissions
Australia
From AUD $3,500
Non-bank, private, and specialist construction lender submissions
United States
From USD $4,500
Private lender and debt fund submissions
New Zealand GST applies to New Zealand clients only. Services exported to non-resident clients outside New Zealand are zero-rated for NZ GST. No GST is added to Australian or US fees; the company is not registered for Australian GST.
Sample Document
See What You’re Getting
Download an illustrative Lender Information Memorandum to see a possible format and level of detail. The scope of your document is agreed separately. All names, figures and project details in the sample are fictional and used for illustration only; it is not evidence of a completed engagement or funding outcome.
Download Sample LIM (PDF)Sample document prepared by Creative Finance Consultants. All details are fictional.
FAQ
Frequently Asked Questions
How much does a Construction Lending Submission cost?
Pricing starts from NZD $3,000 + GST for New Zealand projects and from USD $4,500 for US projects. Final pricing is agreed prior to engagement based on project complexity, number of units, and documentation volume. A written agreement is signed before work begins. No payment is collected through this website.
What is the difference between a LIM and an Information Memorandum (IM)?
A Lender Information Memorandum (LIM) presents a construction project for lender assessment rather than investor marketing. We organise the supplied title, consent, construction cost, proposed funding and borrower information. Each lender applies its own criteria and may request further information; preparing the document does not validate costs or guarantee approval.
How long does it take to prepare a Construction Lending Submission?
Typically 5–10 business days from receipt of complete documentation. Turnaround depends on project complexity and how quickly you can supply source documents. We confirm the delivery timeframe at the start of the engagement.
Do I need to use a non-bank lender?
No. We prepare the submission for the lender you intend to approach, including a bank or a non-bank lender. Requirements and assessment times differ by lender; we do not promise faster approval or acceptance.
Is Creative Finance Consultants a financial adviser?
No. LHA Holdings Limited trading as Creative Finance Consultants is a commercial deal facilitator only, not a financial adviser. The company does not hold, manage or advise on funds and does not provide regulated financial advice within the meaning of the Financial Markets Conduct Act 2013 (NZ) or equivalent legislation in any other jurisdiction. Independent licensed lenders make all lending decisions. All engagement terms are agreed separately in writing.
Get in Touch
Enquire About Your Project
Tell us about your project. We will reply within two business days to discuss scope and whether we can help. No obligation.