Private lender · $5M–$100M
Private Construction and Development Finance, $5M–$100M
Gravity Capital is an Australian private lender to property developers and investors. We lend directly and alongside family offices and institutional lenders in Australia and offshore. Construction loans up to 75% of total development cost for qualifying sponsors, plus first mortgages, mezzanine finance, preferred equity and bridging finance across Sydney, Melbourne, Brisbane and Dubai.
What we provide
Finance across the capital stack
Senior debt, mezzanine, preferred equity and bridging capital for residential, commercial, industrial, hospitality and mixed-use property. We lend our own capital, and for larger or more complex deals we co-lend with family offices and institutional lenders in Australia and offshore that fund with their own money. Where a project needs more than one layer, we structure it as a single facility.
Construction Loans
Up to 75% of TDC for qualifying sponsors, with none to low presales considered.
Learn more →02First Mortgages
Asset-backed senior lending for acquisition, refinance and residual stock.
Learn more →03Mezzanine Finance
Second-ranking debt that reduces the cash equity a project needs.
Learn more →04Preferred Equity
Capital junior to debt and senior to common equity, without giving up control.
Learn more →05Bridging Finance
Short-term capital for settlements, lender exits and transitions.
Learn more →06Structured Finance
Senior, mezzanine and equity structured as one facility.
Learn more →Why Gravity Capital
Certainty, structure and a fast answer
A fast, clear answer
Indicative terms within 48 hours of a complete deal summary. If a deal doesn't work for us, we say so early so you don't lose time.
Leverage that is earned
Up to 75% of TDC for experienced sponsors with sound feasibility and a credible exit. Bank construction lending typically involves lower leverage, presale hurdles and longer credit timelines.
The whole capital stack
Senior debt, mezzanine and preferred equity structured together, so you deal with one counterparty and one set of documents.
Direct access to decision-makers
You and your broker deal directly with the people who approve the loan, from first call to settlement and through every drawdown.
How it works
Four steps from summary to settlement
Submit your deal
Send a one-page summary: address, project, cost, loan amount and exit. No formal application at this stage.
Indicative terms
Within 48 hours: proposed loan amount, pricing, term and leverage. No obligation.
Due diligence
Valuation, quantity surveyor review for construction, credit assessment and legal documentation, then a formal term sheet.
Settlement
Funds settle and construction facilities draw progressively against QS-certified progress claims, managed through to repayment.
Where we lend
Sydney, Melbourne, Brisbane and Dubai
We lend across Australia's east coast and structure cross-border transactions between Australia and the UAE.
Sydney
Our home market. Townhouse, boutique apartment and mixed-use projects across greater Sydney.
Sydney lending →Melbourne
Construction and development finance across metropolitan Melbourne and Victoria.
Melbourne lending →Brisbane
Brisbane, the Gold Coast, the Sunshine Coast and South East Queensland.
Brisbane lending →Dubai
Cross-border property finance between Australia and the UAE.
Dubai lending →FAQ
Questions developers and brokers ask
What types of finance does Gravity Capital provide?
Construction loans, first mortgages, mezzanine finance, preferred equity, bridging finance and structured finance, from $5 million to $100 million, for residential, commercial, industrial, hospitality and mixed-use property in Sydney, Melbourne, Brisbane and Dubai.
Does Gravity Capital lend its own money?
Yes. Gravity Capital lends directly. For larger or more complex deals we also work with family offices and institutional lenders in Australia and offshore that lend their own capital, so one deal can be funded by Gravity Capital alone or alongside those partners. Either way, you deal with Gravity Capital from first call to settlement.
Who can borrow from Gravity Capital?
Established companies borrowing for business or investment purposes. We do not provide consumer credit or lend to individuals for personal, domestic or household purposes.
How much will Gravity Capital lend on a construction project?
Up to 75% of total development cost (TDC) for experienced sponsors with sound feasibility and a credible exit. Leverage on each deal is set by the security, the sponsor's track record and the exit.
Do I need presales to get a construction loan?
Not necessarily. We consider none to low presales for qualifying projects, assessed on feasibility, sales evidence, the developer's track record and the exit strategy.
How quickly can I get indicative terms?
Within 48 hours of receiving a complete one-page deal summary. Indicative terms set out the proposed loan amount, pricing, term and leverage. They are not an offer or commitment to lend; formal approval follows valuation and due diligence.
Does Gravity Capital work with mortgage brokers?
Yes. We work with commercial and development finance brokers, pay referral fees on settled transactions and deal with the client through the broker. See broker referrals.
Is Gravity Capital still lending in the current market?
Yes. Capital is still flowing to well-structured deals with experienced sponsors, sound feasibility and a credible exit. Our October 2026 market update sets out where the market stands.
Submit a deal
Your next deal starts here
Have a site, a project or a facility that needs private credit? Send us the basics. We respond within one business day and provide indicative terms within 48 hours of a complete summary.
- Email: info@gravitycapital.com.au
- Markets: Sydney · Melbourne · Brisbane · Dubai
- Brokers: referral fees paid on settled transactions
Where a deal is larger than we fund alone or sits outside our criteria, we may introduce it, with your consent, to family office and institutional lenders we work with. All enquiries are treated in confidence.