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$347 Million Deployed: Backing Strong Developers, Delivering Competitive Returns

Wed, 08 Apr 2026 03:30:20 GMT

How Lambert Capital Has Built One of Australia's Strongest Performing Property Credit Funds...

In private credit, milestones tend to be measured in dollars lent. The number that actually matters is what happened to investors' capital along the way .

The Lambert Capital Property Credit Fund (LCPCF) has now deployed approximately $347M to projects around Australia since its inception in July 2021; part of a $1B+ lending history dating back to 2009. Across that entire period, investors have achieved consistent, risk-adjusted returns, within the Fund's target range of 7%-10% p.a., with the performance for the last 5 years delivering a yearly IRR of 10%+ . This places the LCPCF among the strongest performing property credit funds in the country.

That performance is not accidental. It reflects careful loan selection, backing the right developers, tailored deal structuring, and a portfolio deliberately built to support investors, rather than rely on long-dated and unclear exits.

Structure & Speed

Lambert Capital offers $5M to $30M facilities to experienced property developers, primarily across metropolitan Melbourne and key markets in Victoria, Queensland and New South Wales, with the average loan size currently at ~$8.1M. This is a deliberate focus on the mid-market segment where our teams' expertise resides, making risk more identifiable and manageable.

Private construction lending often leads with speed and flexibility. Both have their place. At Lambert Capital, both are non-negotiable. Most projects don't fail because the location is wrong or the market moved against them. Problems tend to emerge when the capital structure, loan timing, and the developer's experience aren't properly aligned. At Lambert Capital, that alignment is where the work begins.

A Portfolio Built For This Market

The current loan book spans construction, residual stock, and pre-development land, however all approved loans come with defined completion timelines and identifiable exit paths. The Fund's top investments by loan size currently include a residential land subdivision in the Bundaberg region, QLD, an industrial warehouse project in Melton, VIC, as well as a townhouse development in Truganina, VIC.

The private credit and non-bank lending environment remains competitive, but our Fund has continued to see strong deal flow - particularly in the $5M to $20M space. New enquiries have centred on affordable land subdivisions in regional locations and developments in both Melbourne's western suburbs and South East Queensland. Repeat borrowers are returning for subsequent project stages, and, in several cases, these clients are ahead of their original schedule off the back of strong presales activity.

What $347M Represents

$347M is not a figure about scale for its own sake. Lambert Capital operates as a specialist and leading non-bank lender that is experienced, selective, and focused. It is the outcome of consistent structuring and credit decisions made across hundreds of individual loans, dating back to 2009.

For developers, that track record means reliable access to funding from a team that understands how projects actually work, with a background in property finance, development, accounting, property law, QS, civil engineering, property consulting, due diligence, cost control, project recovery & management, etc.

For investors, this means a Fund that has consistently delivered within and above its target range, year after year.

To find out how we can help finance your next project, please reach out directly to:

Olivia Mackenzie - 0481 775 991

Gabrielle Carter - 0497 930 587

Peter Daicos - PDaicos@LambertCapital.com.au

$4M Land Acquisition Settled in Donvale

Wed, 08 Apr 2026 00:42:39 GMT

When Conventional lenders pulled back, we stepped in. Here's how we helped an experienced developer secure their next site - fast.

Lambert Capital has just settled a $4M land acquisition for a returning client in Donvale; a well established residential suburb approximately 20 kilometres east of the Melbourne CBD.

The deal involves two adjoining residential titles and will fund the developer's land purchase ahead of a planned construction phase delivering 18 townhouses. The facility was structured with a 75% LVR and an 8 month term, reflecting the project's clear timeline and the borrower's track record.

The site has strong fundamentals: established suburban location, sound planning pathway and an experienced team that has worked with Lambert Capital before. For us, that combination matters more than a perfect market cycle.

$4M 75% 24hr

Facility settled LVR Term sheet issued

The broader context is important. Major lenders are tightening credit criteria across residential construction and land acquisition. Feasibilities that worked two years ago look different today; margins are tighter, build costs have moved and many banks are simply not lending at the pace the market needs.

Lambert Capital operates differently. We assess deals against today's conditions; not a template built for a different cycle. When a project makes sense and the team behind it has a track record, we issue a binding term sheet within 48 hours and work toward settlement without unnecessary delays.

For developers and investors, that speed has a real dollar value. Holding costs accumulate. Contracts have expiry dates. Contractors move on. The ability to settle quickly isn't just a convinience, it can determine whether a project proceeds at all.

If you're working on a residential, commercial or mixed use project and need a straight answer on financing, reach out. We fund across Australia and we're actively looking for well structured deals to support.

Olivia: 0481 775 991

Gabrielle: 0497 930 587

Peter: Pdaicos@LambertCapital.com.au

Lenders Eye Renewed Property Developer Activity Amid Cost Stability

Wed, 22 Oct 2025 02:47:52 GMT

Confidence among Australian property developers has strengthened in recent months, with stabilising construction costs, stronger end-buyer demand and renewed activity in key markets helping turn sentiment around. The shift comes despite Australia’s construction sector ending the 2024-25 financial year on a soft note , with ABS building activity data showing dwelling commencements down 4.4% in the June quarter.

Mark Greenberg, founder of non-bank lender Lambert Capital, said the rebound in sentiment has been noticeable since early 2025 as developers gain the confidence to progress projects that had been on hold.

“We’re seeing increased enquiries and a more positive attitude from both developers and end buyers,” Greenberg said. “Developers who had paused projects are now feeling more confident as construction costs stabilise, allowing them to deliver products they can pre-sell, hold to sell post-construction or rent out for longer-term investment with greater certainty.”

Cost Pressures Easing and Pipeline Staying Strong

According to Cotality’s Cordell Construction Index, residential construction costs rose just 0.5% between the March and June 2025 quarters – half the pre-pandemic average of 1.0%. This slowdown suggests that the cost surge seen through recent years is finally settling, creating better conditions for project feasibility and funding.

Even with fewer new starts, the national pipeline remains elevated, with more than 223,000 dwellings still under construction in the June quarter.

For mortgage brokers, the easing in cost inflation and sustained pipeline provide ongoing financing and settlement opportunities as projects move toward completion. Completions dipped 6.5% to 40,524 dwellings, while the total value of building work done eased 0.3% to $38.9 billion – reinforcing the need for faster approvals and productivity reforms to lift future supply.

Buyer Demand Returning in Key Markets

Improved housing affordability , interest-rate cuts , and first-home-buyer incentives are drawing more purchasers back into the market. The Housing Industry Association reported that new-home sales reached a three-year high in August 2025, a positive sign for construction lenders and brokers supporting developer clients.

“We’re particularly seeing renewed demand in more affordable markets like Victoria and Tasmania,” Greenberg said.

He said stronger enquiry levels are especially encouraging given the patchy national construction data.

“The market is starting to find its balance – while starts are lower, the appetite to buy or build has clearly improved,” Greenberg said.

Investors Target Undervalued States

Cotality’s Home Value Index shows the strongest price growth over the past five years in Perth (+82.7%), Adelaide (+77.2%), and Brisbane (+80.1%). By contrast, Melbourne rose 17.5% and Hobart 29.5%.

This widening gap has positioned Victoria and Tasmania as comparatively undervalued, attracting investors and owner-occupiers searching for better value.

“In some cases, we’ve seen residual stock from earlier subdivision stages start selling much faster – what might have taken 10 months to sell is now moving in 10 weeks,” Greenberg said. He added that faster sales have encouraged developers to progress to new stages, noting that “we’re still nowhere near oversupply – it’s simply catching up.”

Sustainable Growth Ahead

While markets have tempered expectations for aggressive rate cuts, Greenberg said the moderation is healthy for the sector. “The developers moving forward now tend to be experienced operators who can deliver quality at the right price – not speculative players chasing short-term gains.”

Industry leaders have echoed that confidence but warn that continued regulatory reform is essential to meet housing targets. Master Builders Australia CEO Denita Wawn said accelerating approvals, addressing skill shortages, and supporting private investment will give industry the certainty to get projects moving. Greenberg expects stronger construction activity in 2026 as developers align product pricing with renewed demand and affordability.

“It’s encouraging to see developers start building again,” he said. “After years of hesitation, the market finally feels like it’s moving in the right direction.”

$12M Construction Loan Settled

Tue, 21 Oct 2025 22:30:06 GMT

The Lambert Capital Property Credit Fund recently settled a tailored construction facility for a new client undertaking the development of 27 warehouses in the developing corridor between Sydney and Newcastle.

With an urgent land settlement required and no immediate plans to commence construction, our team swiftly arranged a flexible funding solution to support the land acquisition, with a clear pathway to refinance into a construction facility in due course. This solution delivered immediately liquidity while preserving long-term project momentum. By coordinating a seamless funding progression, the Lambert Capital team ensured this client could secure their site, manage cash flow efficiently, and maintain project viability.

The construction facility was structured on a cost-to-complete basis, with the mezzanine floor treated independently from general construction, ensuring alignment with the project’s staged progress. With Lambert Capital’s oversight and expert guidance, the developer gained the financial clarity and confidence necessary to successfully execute their inaugural project.

As the project sponsor put it:

“ It’s great to work with funding partners that understand and adapt to changing circumstances that sometimes (often) happen in business. It certainly helps to destress those situations and provide clear pathways to continue on. ”

Importantly, the Lambert Capital Property Credit Fund enabled timely settlement by limiting the presale requirement. With over $20 million in cash on hand, ready to deploy, our Fund can provide genuine certainty of funding - without delays, reliance on external syndication, or last-minute conditions.

��Reach out directly to workshop your next project. "We work with you to deliver your project as a trusted partner - not just a lender."

Olivia , 0481 775 991

Peter , PDaicos@LambertCapital.com.au

$25M Construction Loan Settled

Mon, 13 Oct 2025 01:18:40 GMT

The Lambert Capital Property Credit Fund recently settled a loan facility for a returning developer client who needed to refinance existing land debt and secure construction funding in the growing location of Coral Cove, Queensland.

Project Overview

Location : Coral Cove, QLD.
Loan Amount : $25M
Loan Type : Re-Finance & Construction

Benefits to Developer

Settlement in Less Than 3 Weeks.
Tranche-Style Tailored Funding Solution.
Reduced Upfront Costs.
Regional Location.

The Fund structured the facility into two tailored tranches – land and construction – ensuring debt aligned with tangible project milestones. This approach enhanced borrowing efficiency, aligning with their cash flow needs. The Lambert Capital team take pride in backing our borrower clients with flexible funding solutions that empower our clients’ success.

Furthermore, our team structured upfront costs to preserve developer margins, charging establishment fees solely on the incremental increase from the previous stage’s loan, rather than total loan limit. This approach, contrary to market convention, reduced our clients’ upfront costs, preserved cash flow, and provided the developer with the confidence to secure their funding with us.

Importantly, the Lambert Capital Property Credit Fund has over $20 million cash on hand, ready to deploy, meaning we can provide genuine certainty of funding - without delays, reliance on external syndication, or last-minute conditions.

To find out how we can help finance your next project, please reach out directly to:

Olivia Mackenzie - 0481 775 991
Peter Daicos - PDaicos@LambertCapital.com.au

Housing Supply Crunch Set to Worsen as Developers Exit Market

Mon, 08 Sep 2025 05:00:17 GMT

The head of a property development finance lender has said conditions for developers are close to as tough as he’s seen during his quarter-century in lending, which will make it almost impossible for the federal government to achieve its five-year housing target.

Mark Greenberg, the founder of non-bank lender Lambert Capital, said it’s very hard for developers to remain profitable in the current market unless they do their own building work or control multiple steps of the supply chain.

“The problem is that developers’ profit margins are extremely tight right now, because building costs and land acquisition costs have increased significantly since the pandemic. To make matters worse, developers’ projects have been taking longer to get approved, built and titled, which has led to an increase in their holding costs and a further reduction in their profits,” he said.

“If you want to make enough of a profit and generate working capital to keep trading, you now need to be able to tick three boxes – your builds need to be of good quality, they need to have a reasonable price tag and they need to be delivered quickly. In the past, you could get away with two out of three, but no longer. Otherwise, your holding costs will kill you or buyers won’t be interested in your product or both.

“These conditions are close to the toughest I’ve seen during the 25 or so years I’ve been lending, and they’re driving a lot of mum-and-dad developers out of the game. It’s now close to impossible to be, say, a dentist during the week and a property developer on the weekend, because you won’t have the scale or experience to build fast enough and cheap enough.”

Mr Greenberg said developers were trying to overcome the profitability challenge in several ways.

“In the current environment, it’s almost a case of no scale, no profit,” he said.

“That’s why some developers are starting their own building businesses or buying into established building companies. Alternatively, they’re partnering with project managers and builders who they trust and have strong relationships with, to create what amounts to a virtual building company. I’m also seeing some developers buying up different parts of the supply chain, like tiling or plastering businesses, to maximise control and efficiencies.”

As a result, Mr Greenberg said there was no way the federal government would achieve its target of facilitating the building of 1.2 million new homes in the five years to June 2029.

“It’s pie-in-the-sky stuff. There just aren’t enough developers and builders, because it’s become too hard to run a profitable business these days. So where are all these new homes meant to come from?” he said.

“If we’re ever going to fix this problem, we need to see all levels of government – federal, state, local – find a way to streamline the planning and building approval process. They also need to get out of the way and stop making it so onerous for developers to get final sign-offs on projects. The number of hurdles you need to jump over to reach the starting line is ridiculous, and delays with authorities at the end are leading to a blowout in holding costs. Otherwise, we’re never going to see housing supply catch up with demand, and housing affordability will keep deteriorating.”

Capital Flows, Funding Trends & Development Opportunities for FY26

Wed, 27 Aug 2025 00:23:20 GMT

As seen in the Development Ready Property Development Review;

Capital Flow Strengthening into FY26

Capital inflows for lending and equity investment into Australian development projects are up on last year. Overseas-based lenders and investors, armed with relatively cheaper capital, are targeting Australia’s stability and consistent returns. Locally, high-net-worth individuals and family offices - many of whom have been sitting on cash - are now seeking higher-yielding opportunities outside the share market.

Finding such opportunities is increasingly difficult, which is why pooled funds like the Lambert Capital Property Credit Fund are gaining traction. These allow for selective, “cherry-picked” investments that balance risk and return. Combined with RBA cash rate cuts, this influx of capital should lower lending rates, improve project feasibilities, and make it easier for end purchasers to service debt.

Non-Bank Lenders Taking the Lead

The most active players in the development lending space are non-bank lenders, including specialist credit funds and family offices. Developers are gravitating to these sources for faster, more flexible funding - particularly on projects with presale hurdles, unconventional structures, or those requiring relationship-driven banking.

While some newcomers believe the sector offers easy wins, the reality is far more complex. Lambert Capital’s 16 years of experience reveal a market that demands deep expertise to navigate builder insolvencies, developer stress, fluctuating presale conditions, and unpredictable government interventions. Recent exits by debt funds selling their businesses at high multiples may tempt newcomers to chase potential “ windfall ” returns, but sustained profitability comes from resilience over cycles, not opportunistic timing .

Asset Classes in Demand

Affordable and social housing, NDIS developments, and childcare centres are drawing the strongest funding appetite, supported by demographic trends and government policy. Non-bank lenders are increasing their share of these markets, while larger institutional funds are directing capital toward build-to-rent projects - whether as a strategic pivot or simply to deploy surplus cash.

For Lambert Capital, the focus remains on projects with clear exit strategies and trusted developers, including residential land subdivisions, townhouses, low-rise apartments, and warehouses targeting owner-occupiers and investors.

Location Priorities for FY26

Funding partners are prioritising house-and-land developments and owner-occupier product in capital cities and high-growth lifestyle regions in NSW and QLD. Demand from both locals and investors remains strong, and Lambert Capital has successfully delivered multiple subdivisions in these markets.

Victoria’s market is generally slower, but targeted locations - especially Melbourne’s western suburbs - are performing well. Here, demand for residential land, completed housing stock, and new warehouse space is robust. Ultimately, Lambert Capital’s strategy hinges as much on the developer’s track record as on the project’s postcode.

From Tight Credit to Renewed Confidence

Between 2020 and late 2023, tighter credit conditions and escalating construction costs squeezed developer returns and curtailed lender appetite. Many projects stalled amid shrinking margins and reduced loan-to-cost ratios. By 2024, construction cost inflation began to stabilise and interest rates started to decline. Entering 2025, improving affordability and sustained demand - driven by population growth - have lifted confidence.

More projects now pass viability tests, encouraging developers to restart previously shelved townhouse and land release projects. FY26 funding models are benefiting from this recalibration, enabling lenders to back more profitable developments.

Alternative Funding: Promise and Pitfalls

As banks pulled back between 2022 and 2024, joint ventures and private debt structures gained prominence. For well-capitalised, experienced developers, these have been valuable tools for bridging funding gaps. However, easier access to capital also enabled some marginal projects to proceed, leading to delays and viability issues in 2023.

Lambert Capital has deliberately prioritised conservative capital structures and seasoned management teams, ensuring projects remain viable and well-managed even in changing conditions.

Evolving Partner Expectations

Capital partners are approaching FY26 with more caution, especially around return-on-cost (ROC) metrics and risk management. Developers once comfortable with ROC targets of 15 - 20% have sometimes started projects with only a 10 - 15% ROC - an approach that can raise risk levels. Overly aggressive feasibilities or underpriced sales strategies have caused financing delays and project deferrals.

Today, stakeholders expect rigorous market testing, cost control, and validated sales assumptions before committing to funding. This discipline is vital for protecting returns and safeguarding capital.

Rising Interstate and Offshore Interest

Australian residential and commercial property is attracting more interstate and offshore investment. Perth, Adelaide, and Queensland are benefiting from residential and mixed-use demand, while Victoria and particularly Tasmania are drawing investors due to constrained supply and stronger rental returns.

From a funding perspective, the higher returns available in Australia - relative to falling rates overseas - are pulling in offshore capital. However, as more cash arrives, the yield gap is narrowing, reducing the arbitrage.

Opportunities and Challenges Ahead

Falling interest rates will be a major tailwind in the next 12–18 months, lowering borrowing costs, improving feasibilities, and boosting affordability for buyers. Developers will also find it easier to acquire new properties and manage debt.

However, headwinds remain. Government competition for labour and materials continues to drive up costs, and regulatory hurdles are slowing project starts and completions. These factors create uncertainty in development pipelines, making strong, experienced funding partnerships critical for success in FY26.

Property Finance with Mark Greenberg – Ready Talk Podcast

Tue, 17 Jun 2025 06:35:22 GMT

Lambert Capital's Founder and Director, Mark Greenberg , joined the team at Development Ready in this episode of the Ready Talk podcast.

Mark discusses his Chartered Accountant background, with over 30 years of experience in Accounting, General Management, Corporate Banking, Property Development, Direct Private Lending, and Funds Management. Mark holds a Bachelor of Commerce from the University of Melbourne, an MBA from Melbourne Business School, and diplomas in Financial Services and Financial Planning.

From Accounting to Property Lending

Mark shares how his career began in accounting and evolved into senior roles in the corporate property division at ANZ. This path eventually led to the launch of Lambert Capital , a specialist non-bank fund focused on financing property development.

In the episode, Mark reflects on:

His early exposure to property development
The transition from corporate banking to private lending
The origins and growth of Lambert Capital

Insights for Developers

Mark also offers practical advice for developers navigating today's property finance landscape. He covers:

What developers need to know before seeking finance
Common feasibility errors that can delay or derail funding
Current trends shaping the property development finance market

Whether you're a developer, investor, or simply curious about private lending and development funding, this episode offers valuable insights from one of the industry’s most experienced professionals.

�� Listen now on also on Apple Podcasts , Spotify and Amazon Music .

Urgent Site Purchase Loan Settled: Tarneit, VIC

Sun, 15 Jun 2025 23:54:41 GMT

The Lambert Capital Property Credit Fund successfully settled a tailored loan facility for a long-standing client who needed to urgently settle a site purchase in the growing suburb of Tarneit, Victoria.

Project Overview

Location: Tarneit, VIC
LVR: 75%
Loan Amount: $9.8M
Loan Type: Site Purchase Loan

Benefits to Developer

Speed: Settled in 12 Hours to Bring Forward Settlement.
Certainty of Funding at 75% LVR.
Avoided Losing Millions in Deposit.

Although the Fund had structured a funding proposal well in advance of the original settlement date, the borrower had received a recission notice and needed an urgent solution to protect their deposit and enable purchase completion.

The developer recognised Lambert Capital as the only viable option to deliver both certainty of funds and a 75% LVR within the compressed timeframe.

Given the Lambert Capital Property Credit Fund had over $40M+ in cash on hand, ready to deploy, the Fund was able to provide genuine certainty of funding - without delays, outsourcing, or last-minute conditions. This liquidity gives our clients the confidence to act decisively when the stakes are high and time is limited.

The Lambert Capital Property Credit Fund team take pride in backing our borrower clients with speed and certainty in funding.

To quickly workshop a deal, reach out directly to:

Olivia Mackenzie - 0481 775 991
Peter Daicos - PDaicos@LambertCapital.com.au

$13M Construction Loan Settled: Melton, VIC

Tue, 03 Jun 2025 06:51:11 GMT

The Lambert Capital Property Credit Fund recently successfully settled this $13M construction loan facility for the development of commercial warehouses in Melton, Victoria.

Project Overview

Location : Melton, VIC.
Loan Amount : $13.7M
Loan Type : Re-Finance & Construction

Benefits to Developer

Credit Approval in Under 3 Days.
Settlement in Less Than 2 Weeks.
Limited Presale Requirements.
High Budget Flexibility for Allocation and Adjustments.

The transaction was settled in under 2 weeks following formal approval, with credit approval secured in less than 3 days. This swift execution allowed this developer to bypass unnecessary red tape and commence construction without the burden of extensive pre-sale requirements – accelerating their timeline.

In addition, the Fund offered flexibility in budget allocation, enabling the developer to direct funds where needed most, adapt to evolving project needs, and optimise financial outcomes with confidence.

Conclusion

The Lambert Capital Property Credit Fund team take pride in backing our borrower clients with speed and certainty in funding.

By staying ahead of schedule, our clients can both safeguard the success of their developments and also mitigate potential downstream impacts on their broader project pipeline.

To find out how we can help finance your next project, please reach out directly to:

Olivia Mackenzie - 0481 775 991
Peter Daicos - PDaicos@LambertCapital.com.au

Real Developers, Real Results: How Lambert Capital Helped These Projects Thrive

Wed, 07 May 2025 08:26:26 GMT

Development projects are rarely straightforward.

Tight deadlines, rising costs and unexpected roadblocks are par for the course.

In moments of pressure, having a funding partner who understands the pace and complexity of the industry can be the difference between momentum and gridlock.

For these developers, the Lambert Capital Property Credit Fund has been that partner, offering speed, certainty and a level of understanding that’s hard to find elsewhere.

Smart Moves and Straight Talk

When BivCorp’s latest East Oakleigh development started gaining traction, Michael Biviano didn’t go looking for a better finance deal - Lambert Capital brought one to him.

“The savings were significant. It made the project more viable and freed up funds for marketing,” he said.

That kind of proactive thinking is why Mr Biviano has worked with Lambert Capital for more than two decades.

He first approached Founder and Director Mark Greenberg in the late 1990s for funding on unit developments in Camberwell and Glen Waverley .

Over time, Mr Biviano has consolidated all his lending with Lambert Capital .

“I have one person at Lambert who oversees all my purchases, assets, and liabilities, advising me along the way,” he said.

Just as important, he says, is the personal connection and quick turnaround.

“I can pick up the phone and get clear, direct answers. The process is faster and far less bureaucratic than dealing with banks, where layers of approval slow everything down. ”Three things, he says, make Lambert Capital stand out:

“The ease of securing finance, the depth of their knowledge and advice, and the way they proactively steer me toward opportunities I might otherwise miss.”

Building with Purpose, and the Right Partner

As Chief Impact Officer at Big Impact Group, Cheryl Leong is focused on delivering developments that foster connected communities and prioritise social and environmental sustainability.

But even the most mission-driven projects can hit snags.

“We had some very challenging periods in our project and Lambert Capital consistently ensured there was open communication and support for us,” Ms Leong said.

“They understood the challenges we were experiencing and would even provide suggestions on how to overcome them.”

Ms Leong was drawn to the Lamber Capital model.

“I knew that it was private lending through a fund and not brokering a deal,” she said.

That distinction made a real difference when timing was critical.

“Because they have funds ready to deploy, once we satisfied their requirements, they were able to move swiftly to fund our project,” she said.

She describes the team as patient and collaborative and says their understanding of the development process makes Lambert Capital a rare find.

“There are not many lenders that truly understand development nor care to build a relationship with the developer,” she said.

“Lambert Capital stands out in that aspect.”

Developer-Focused Solutions

The Lambert Capital Property Credit Fund provides funding designed specifically for developers. No brokering, no third-party delays.

Just decisions made by people who know what it takes to get a project moving.

Certainty of funds: Lambert manages more than $150M in funds, backed by over 160 high-net-worth individuals and family offices. So, when they say the capital is ready, it’s ready.
Flexible funding structures: Up to 90% of total development costs funded, with leverage to 70% LVR. Options include early equity release, flexible interest terms and monthly drawdowns (processed on the same day) to speed up cash flow.
Real development expertise: Led by professionals who understand the risks and realities of construction to deliver practical real-world solutions – not just loans.

Planning the finance for your next project?

Talk to the Lambert Capital team today to find out how their experience, capital and flexibility will help bring it to life.

Five Critical Questions Every Developer Should Ask Before Choosing a Lender

Tue, 25 Mar 2025 07:24:44 GMT

Choosing the right lender can make or break a development project.

A lender might offer what appear to be attractive terms, but if they can’t move fast enough or adapt to challenges - especially during construction - they can cost you more in the long run.

Whether you’re looking for land acquisition finance, a construction loan or residual stock funding, asking the right questions before signing on the dotted line is crucial, according to Lambert Capital Founder and Director Mark Greenberg .

Beyond interest rates, developers need to scrutinise a lender’s operational speed, funding flexibility, and decision-making processes – both in the approval stage and during the construction phase.

“Developers operate in a pressure cooker,” Mr Greenberg said.

“One missed deadline or funding bottleneck, and an entire project can be at risk.”

These are the key questions you should ask to secure a lending partner who delivers, not delays.

How Quickly Can You Approve My Loan?

Time is money in the development sector. Waiting longer means rising holding costs, shifting market conditions, and potential contract issues.

Lenders who take weeks - or even months - to approve a loan can put an entire project at risk.

“If a lender can’t give you a straight answer on how long the approval will take, that’s a red flag,” Mr Greenberg said.

“At Lambert Capital, we approve loans from $5M to $30M within 24 to 48 hours because we know time is everything in this game. Similarly, construction drawdowns are always processed on the same day a QS report is received.”

Developers should also ask how quickly they can access funds after approval. Some lenders promise fast approvals but make drawdowns a slow and painful process.

Who Controls the Funds?

Many lenders rely on third-party credit approvals, which can slow things down or even block access to funds.

Developers need to know who controls the capital and whether their lender has the final say on releasing the funds.

“Some lenders rely on wholesale credit lines and/or separate credit teams, meaning they need someone else’s approval before they can fund your project,” Mr Greenberg said.

“That’s risky. At Lambert Capital, we control 100% of our capital. No third parties, no delays - just direct funding up to $30M per loan when developers need it.”

How Flexible Are Your Funding Solutions?

Speed and flexibility to settle a development site purchase or provide cash out to refinance construction debt into a residual stock loan are valued by property developers.

And during construction, development projects don’t always go to plan. Unexpected costs, shifting timelines, and market changes can all impact funding needs.

A lender who offers flexibility and support throughout the development process can be the difference between a project moving forward or stalling.

“If a lender can’t adjust to the reality of a project, they’re not really backing you,” Mr Greenberg said.

“With us, you’re not dealing with a committee or an employee following a checklist. You’re dealing directly with people who structured the deal for you from Day 1.”

What is the loan structure?

How a loan is structured impacts everything from cash flow to project feasibility and ultimately overall profitability.

Developers need to know upfront how much they can borrow, what portion needs to come from equity, and whether there’s flexibility built into the deal to provide for cost overruns and unexpected events during the construction and sell-down phase.

“It’s not just about how much you can borrow - it’s about how the funding is structured to support your project from start to finish,” Mr Greenberg said.

“At Lambert Capital, we cover up to 90% of total project costs, with 70% coming from our Fund and the option of an additional 5% available through our in-house structured funding. That gives developers more control over their cash flow and reduces upfront equity requirements.”

Can I Speak Directly to Decision-Makers?

Some lenders put layers of red tape between developers and the people making the calls.

When problems arise, having direct access to decision-makers can mean the difference between quick action and frustrating delays. This is also reflected in how loans are managed during the construction phase.

“Developers need to ask: Who will I actually be dealing with? If it’s not the person making the decisions, that’s a problem,” Mr Greenberg said.

“We have a flat structure, so our clients deal directly with us. That means no middlemen and no unnecessary delays.”

Choose the Right Lending Partner for Your Next Project

Developers need a partner who understands the realities of the industry, moves quickly, and works with them to get projects over the line.

Lambert Capital provides fast approvals for loans from $5M to $30M, flexible funding structures, and direct access to decision-makers, ensuring developers get the support they need.

To learn more about how Lambert Capital can support your next property acquisition, development project or residual stock loan, contact us .

Stop Waiting, Start Building with Lambert Capital Finance

Thu, 13 Mar 2025 08:12:19 GMT

For property developers, securing the right finance solution can often be the biggest hurdle.

Banks and large lenders move slowly, tying up crucial funding in layers of red tape and lengthy approval processes.

Projects stall, opportunities are lost, and time - one of the most valuable commodities in development - is wasted.

That’s where Lambert Capital comes in.

As a medium-sized direct lender for Loans in the $5M to $30M space, they approve finance fast - often within 24 to 48 hours - so developers can move forward with confidence.

Direct Capital, Decisive Action

For more than 30 years, Lambert Capital has built a reputation for speed, reliability, and certainty.

Unlike most traditional lenders, they control their own capital through the Lambert Capital Property Credit Fund , backed by more than 150 high-net-worth investors and major family offices, including Alex Waislitz’s Thorney Investment Group and the Melbourne-based Rosen Group.

“We’re a medium-sized direct lender, and that gives us an agility you just don’t get with the larger lenders and banks,” said Founder and Director Mark Greenberg.

“Our funding decisions aren’t dependent on external or lengthy credit approval, so developers deal directly with the decision-makers from the very first call.

“We have the capital, and we have the authority to deploy it. When you work with us, you’re speaking to the people who can say yes - no middlemen, no delays.”

More Than Just Finance

Speed is only part of the equation.

Lambert Capital’s sector expertise sets them apart. The team understands development because they’ve worked in the sector themselves.

“We know what it’s like to be on the other side of the table, and the pressures developers face – the tight deadlines, the unexpected costs, the need for flexibility,” Mr Greenberg said.

“When we’re structuring a deal, we don’t just hand over the money, we help developers make informed decisions that add value to their projects as true partners, and that’s a big advantage for our clients.”

Finance Designed for Developers

Lambert Capital’s finance solutions are built for developers who need funding certainty, fast approval, and direct access to key decision-makers.

Their key advantages include:

Ultra-fast approvals: 24 to 48-hour turnaround, keeping projects on schedule.
100% controlled capital: No third-party delays, ensuring certainty and speed.
Backed by 160+ HNW and large family offices: Providing financial stability and reliability, with over $150M under management and $40M+ in cash ready to deploy.
High leverage funding: Loans from $5M-$30M, to 70% LVR, with up to 90% funding of total costs, maximising available capital to free up developer’s cash equity.
Reduced pre-sale dependency: Lending models designed to minimise reliance on pre-sales, offering greater project flexibility and control.
Direct access to decision-makers: Streamlined communication and rapid problem-solving, both at initial approval and during the construction term.
Flexible funding solutions: Tailored approaches, including flexible interest payments, early equity release and same-day monthly drawdowns to speed up cash flow for developers and their builders.

“We provide end-to-end finance solutions, from site acquisition to project completion,” Mr Greenberg said.

“We’re here to support developers at every stage, with funding solutions that make a real difference.”

Looking for a smarter, speedier way to fund your next project? Speak with Lambert Capital today .