Construction Lending Submissions
Lender-Ready Construction Finance Submissions — Done For You
We prepare the documentation lenders actually want to see, so your deal gets assessed — not rejected on presentation.
Enquire About Your ProjectWhat 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 NZ, AU, US, and CA, starting from NZD $3,000 + GST.
The Challenge
Most Construction Finance Applications Fail on Presentation
The quality of your documentation signals your credibility before a lender reads a single number.
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.
Wasted Time and Credibility
Every back-and-forth with a lender asking for basic information costs time and signals inexperience.
The Service
What’s Included in a Creative Finance Consultants LIM
A complete Lender Information Memorandum structured, drafted, and formatted by our team.
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
A frank, structured disclosure of all material issues a lender needs to know — prepared so you don’t get caught out in due diligence.
Confidentiality & Disclaimer
Professional framing that protects your information and signals credibility to the lender.
Eligibility
Who This Service Is For
This service is suited to anyone who needs to present a construction finance deal to a lender with confidence.
Property Developers
Property developers with construction finance applications to tier-2, non-bank, or private lenders.
First-Time Developers
First-time developers who need professional documentation to be taken seriously.
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 clear checklist of what we need from you.
We Prepare Your LIM
Our team structures, drafts, and formats your full Lender Information Memorandum.
Submit with Confidence
You receive a professionally formatted, print-ready document ready to go to your lender.
Indicative Pricing
Indicative Pricing
Our fees reflect the complexity of each market’s documentation standards, entity structures, and lender requirements. All engagements are scoped individually — 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 + GST
Non-bank, private, and specialist construction lender submissions
United States
From USD $4,500
Private lender, debt fund, and family office submissions
Canada
From CAD $3,200 + applicable taxes
MIC, private lender, and alternative construction lender submissions
Sample Document
See What You’re Getting
Download a sample Lender Information Memorandum below to see the exact format, depth, and presentation we produce for construction lending submissions. All names, figures, and project details in the sample are fictional and used for illustration only.
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) is a construction-specific IM structured to satisfy a lender's credit assessment criteria — not investor marketing. It addresses the lender's primary concerns: title and planning consent status, construction cost validation, debt serviceability, and the borrower's track record. Standard investor IMs rarely satisfy these requirements.
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 your team can supply source documents. We will confirm a delivery timeframe at the start of the engagement.
Do I need to use a non-bank lender?
No — the service is lender-agnostic. However, non-bank and private credit lenders typically require more rigorous and structured documentation than main trading banks, and construction finance from non-bank lenders is often the fastest route to approval for complex developments. Our LIM format is designed to meet those standards.
Is Creative Finance Consultants a financial adviser?
No. Creative Finance Consultants (LHA Holdings Ltd) is a commercial deal facilitator only. We do not hold, manage, or advise on funds. We do not provide regulated financial advice within the meaning of the Financial Markets Conduct Act 2013 (NZ) or equivalent legislation in any other jurisdiction. All engagement terms are agreed separately in writing.
Get in Touch
Enquire About Your Project
Tell us about your project and we’ll come back to you promptly. No obligation.