Financing Built Around Your Pro-Forma — Not a Credit Score
Built for active developers
We Speak Developer
No first-timer hand-holding. We underwrite to your pro-forma, your team, and your exit — and structure capital the way experienced operators expect.
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Pro-Forma–Driven Underwriting
Lenders fund on LTC/LTV against your project budget and stabilized value (ARV) — we package your pro-forma so the numbers carry the deal.
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Full Capital Stack: Senior + Mezzanine
Maximize leverage and protect your equity. We arrange senior construction debt and layer in mezzanine and equity-gap capital to reduce cash-in.
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Custom Draw Schedules
Draws structured to your construction milestones with interest on disbursed funds only — coordinated with your QS and inspection cadence.
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Land & Pre-Development Capital
Finance land acquisition, assembly, and the entitlement/permit stage so your next project is shovel-ready before construction debt closes.
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Track Record Rewarded
A proven build history unlocks higher leverage, spec financing without pre-sales, and faster commitments. Your portfolio is the qualification.
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Take-Out & Stabilization
We line up the permanent take-out alongside the construction loan — including CMHC MLI Select on qualifying multi-residential builds.
Where developers go next
Financing Hubs for Your Project Type
Every program a development operator needs — explore the hub that matches your next deal.
Development & Construction
Ground-up construction, land, pre-development, spec builds, and mezzanine financing.
Commercial Mortgages
Office, retail, industrial, and mixed-use financing structured for investors and operators.
Multi-Family Financing
5+ unit apartment and rental financing — from value-add acquisitions to new builds.
CMHC MLI Select
CMHC-insured multi-residential financing up to 95% LTV — the take-out for qualifying builds.
“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”
“I can't recommend Gillian Irving and Scott Dillingham at LendCity highly enough. My husband and I worked with them on a surprise purchase that ended up being…”
“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
“LendCity's Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”
“LendCity provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”
Developer Financing FAQ
Common questions from experienced developers structuring construction and development capital.
Capital Structure
Process & Draws
Have a pro-forma ready? Let's structure the capital stack for your next project.
Book a Developer Strategy Call