Most feasibilities are built to make a project look good. A finance-ready feasibility is built to survive scrutiny.
Lenders don’t just test your numbers—they test your assumptions, timing, buffers, and discipline. If your feasibility collapses under questioning, so will your funding. A finance-ready feasibility does five things exceptionally well.
Start with verified inputs, not guesses
Lenders want evidence: QS estimates, builder expressions of interest, recent valuations, and market-tested sales rates. When every major assumption is backed by a document, your feasibility becomes a credibility piece, not a wishlist.
Present a timing-aligned cashflow model
It’s not enough to show total cost. Credit teams want to see when the money leaves the account. A month-by-month cashflow that aligns equity injection, debt drawdowns, and construction program signals that you understand timing risk and liquidity pressure.
Include sensitivities on sales, costs, and delays
A feasibility without stress testing is a fantasy. Lenders expect to see downside cases:
- Sales dropped by 5–10%
- Construction costs pushed up by 7–12%
- Program delayed by 8–12 weeks
If your margin and DSCR hold under stress, funding becomes much easier.
Show a clear and realistic funding structure
Equity source, timing of calls, senior debt, mezzanine (if any), and GST funding must be explained cleanly on one page. Lenders want to see that every dollar has a home and every gap is accounted for.
Link feasibility to real reporting and governance
A lender doesn’t fund numbers—they fund systems. Your feasibility should connect to real-time reporting, cost tracking, builder monitoring, and monthly drawdown reviews. This shows lenders you can control the project once money is out the door.
"A finance-ready feasibility isn’t the most optimistic version of your project—it’s the most defensible one. In mid-market development, certainty is currency."
When your numbers are evidence-based, timing-aligned, stress-tested, and backed by a clear funding strategy, lenders say “Yes” faster and with better terms. Build it into your feasibility, and funding follows.