How to Get a Developer Loan in 2025?

Securing a developer loan to start, advance, or complete a real estate project remains one of the tougher challenges in today's financial environment. Strict bank requirements and insufficient equity continue to block many developers from accessing the capital they need. The market has evolved, however, and there are now more alternatives and specialised solutions than ever before.

Note: The conditions described here are for informational purposes and may vary depending on the institution, the developer's profile, project viability, and market conditions at the time of application.

Table of Contents

• What is a Developer Loan?
• Advantages of the Developer Loan
• How to Apply for a Developer Loan?
• Basic Requirements and Documentation
• Frequently Asked Questions

What is a Developer Loan?

A developer loan is a form of financing specifically designed for real estate developers to start, carry out, or complete a development project. It is typically secured against the project itself — the land, the construction works, or the future building — and is intended to cover funding needs from plot purchase right through to the completion of construction.

Advantages of the Developer Loan

• Rapid access to liquidity at critical project stages, preventing delays caused by insufficient equity.
• Flexibility: both bank and alternative (private) solutions exist, matched to the profile and needs of each developer.
• Adaptable to projects of different scales and locations.
• Strengthens credibility with suppliers and partners by demonstrating solid financial backing.

How to Apply for a Developer Loan?

The process for accessing a developer loan varies between institutions, but generally follows these key steps:

1. Initial contact: Reach out to the financial institution or intermediary via web form, phone, or email.
2. Preliminary assessment: The financial team will ask for basic information about the project and the developer to gauge initial viability.
3. Document submission: If both parties wish to proceed, formal document collection begins — covering corporate, technical, legal, and financial materials.
4. Analysis and proposal: A detailed study of the project and developer profile is carried out, resulting in a tailored financing offer (amount, term, security requirements, etc.).
5. Formalisation: Once terms are agreed, the loan is signed before a notary and the agreed security is registered against the asset.
6. Drawdown: The developer receives the agreed capital and can proceed with or continue the project.

Basic Requirements and Documentation

Before applying for a developer loan, you should have the following in order:

Corporate Documentation

• Articles of incorporation and powers of attorney
• Audited annual accounts
• Tax certificates and CIRBE report (with no significant incidents)

Project Documents

• Land title or a firm purchase agreement
• Basic or detailed technical project approved by the relevant professional association
• Planning approval confirmed by the local authority
• Building permit (granted or in an advanced stage of application)

Solvency and Experience

• Track record of previous developments and sector references
• Financial and technical soundness of both the individual and the company

Additional Guarantees (where applicable)

• Mortgage over the development
• Personal and/or partner guarantees
• Other real estate assets as additional security

Frequently Asked Questions

Why is it difficult to obtain a developer loan from a traditional bank?

Banks require extensive security, substantial equity contributions, and a clean CIRBE record, which rules out many small and mid-sized developers.

Are there alternative solutions?

Yes. There are growing numbers of specialist platforms and intermediaries offering private financing with less rigid criteria and faster approval processes.

What does GrupInversor offer?

The GrupInversor team helps developers who are struggling to secure funding — providing personalised advice and connecting them with the right investors and alternative lenders for their specific project.

Ready to move your real estate project forward? Fill in the form on our website to apply for a developer loan and take the first concrete step towards making your development a reality.