Construction finance for builders and developers
Biz Corp Solutions arranges construction finance of ₹5 crore to ₹500 crore for residential, commercial, industrial and mixed-use projects. We structure the funding, approach suitable banks, NBFCs and financial institutions, handle the documentation and support stage-wise disbursement through to completion.
- Funding range
- ₹5 – 500 Crore
- Disbursement
- Stage-wise
- Lenders
- Banks, NBFCs & FIs
- Coverage
- Maharashtra · Gujarat · Karnataka
What is construction finance?
Construction finance is a loan facility that funds the cost of building a real estate project — civil work, materials, approvals and related costs. Lenders usually release it in stages as construction progresses, and the developer repays it largely from the sale of units.
Biz Corp Solutions helps developers secure funding for residential, commercial, industrial and mixed-use projects while ensuring timely disbursement and efficient financial planning. Our strategic planning and market insight have supported the complete sell-out of multiple residential projects within just 2–3 days, on more than five consecutive occasions.
Who it is for
- Builders and developers of residential, commercial, industrial and mixed-use projects
- Projects needing ₹5 crore to ₹500 crore of funding
- Developers across Maharashtra, Gujarat and Karnataka
- Promoters who want one advisor to approach multiple banks, NBFCs and financial institutions
What we arrange
- Builders’ project funding
- Construction finance
- Project mortgage funding (OD & CC modules)
- Stage-wise disbursement
- Flexible repayment structures
- End-to-end documentation support
From project details to disbursement
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01
Share your project
Tell us about the project, its stage and the funding you need — by phone, WhatsApp or the enquiry form.
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02
Assessment and structuring
We review the project and structure the requirement, such as a construction loan or project mortgage funding on OD or CC modules.
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03
Lenders and documentation
We approach suitable banks, NBFCs and financial institutions, prepare the file and keep you updated at every stage.
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04
Sanction and stage-wise release
Once the lender sanctions the facility, funds are released in stages linked to construction progress.
What lenders typically ask for
Every lender has its own checklist. These are the documents most construction finance applications need, and we help you put them together.
- Land title documents and title search report
- Approved building plans and commencement certificate
- MahaRERA (or state RERA) registration, where applicable
- Project report with cost, cash-flow and sales projections
- Constitution and KYC documents of the company, firm or promoters
- Audited financial statements and income tax returns
- Track record of completed and ongoing projects
- Sales and booking status for ongoing projects
Note: the exact list, margins and conditions are set by each lender and depend on the project.
See the full document checklist: Construction finance document checklist
See the full document checklist: Self-redevelopment document checklist for housing societies
Construction finance questions
What is construction finance?
Construction finance is a loan facility that funds the cost of building a real estate project. Lenders usually release it in stages as construction progresses, and the developer repays it largely from the sale of units.
How much construction finance can Biz Corp Solutions arrange?
We arrange funding from ₹5 crore to ₹500 crore per project for builders and developers.
Which types of projects can be funded?
Residential, commercial, industrial and mixed-use real estate and infrastructure projects.
Which lenders do you work with?
We work with a network of banks, NBFCs and financial institutions and approach the ones that best fit the project, so you do not have to submit documents to each lender separately.
How is construction finance disbursed?
Funds are released stage-wise, in line with construction progress, rather than as one lump sum.
What are OD and CC modules in project mortgage funding?
They are revolving limits — an overdraft (OD) or cash credit (CC) facility — where the developer draws funds as needed within a sanctioned limit and interest is generally charged on the amount used.
Which areas do you cover?
We serve builders and developers across Maharashtra, Gujarat and Karnataka from our office in Badlapur East, Thane district.
Can you also arrange insurance for the project?
Yes. We help builders and contractors secure Contractor's All Risk (CAR) insurance covering the project, materials, machinery and third-party liabilities from commencement to completion.
Read before you apply
How lenders assess a real estate project for construction finance
What banks and NBFCs check before funding a real estate project: promoter, title, approvals, RERA, cost, sales, security and RBI rules.
The MahaRERA 70% account: what it means for construction finance
How the RERA 70% separate account and MahaRERA's three-account rule (Order 56/2024) work, and what they mean for builders raising construction finance.
Funding a housing society redevelopment project as a developer in Mumbai and Thane
How developers fund housing society redevelopment in Mumbai and Thane: upfront costs, the 2026 rules, DCPR and UDCPR incentive FSI, RERA and lender checks.
Self-redevelopment funding for housing societies in Mumbai and Thane
How housing societies in Mumbai and Thane fund self-redevelopment: nodal co-operative banks, RBI rules, the process, repayment and risks.
Inventory funding for builders: raising funds against unsold stock
How inventory funding against unsold flats works for developers, how it differs from construction finance and LRD, who lends, and what lenders assess.
Bank, NBFC or financial institution: choosing a lender for project and construction funding
Banks, NBFCs and financial institutions all fund projects in India. How they differ on cost, flexibility, speed and stage of funding, and how to choose.
Run the numbers first
How much construction finance does my project need?
A month-by-month cash-flow model with MahaRERA stage-linked collections and the 70% account, giving the peak funding gap, loan size, interest and repayment month.
Society redevelopment feasibility
Rehab and sale area from your FSI, members' additional area, rent and corpus, construction and premiums, developer profit, break-even sale rate and a ±10% sensitivity.
RERA 70% account withdrawal (Form 3)
The amount a promoter can withdraw from the MahaRERA separate account on the Form 3 method, the account-balance check and the 70% / 100% deposit test.
TDR, premium FSI & fungible cost (Maharashtra)
Total buildable area from Basic FSI, Paid Premium FSI, TDR and Ancillary/Fungible FSI under UDCPR / DCPR 2034, plus ASR-linked municipal premiums.
Contractor's All Risk (CAR) sum insured & claim
Section 1 Material Damage sum insured, Section 2 TPL cover, 18% GST and the pro-rata Average Clause deduction if a construction site is under-insured.
Builder inventory funding vs price discount
Compare the reducing-balance interest cost of a 60%–70% LTV OC-ready inventory loan against the permanent profit lost to an 8%–12% distress price cut.
Often arranged together
Planning a project or need funds for one under way?
Share your project details and our advisory team will call you to discuss the funding structure.
Biz Corp Solutions arranges funding through partner banks, NBFCs and financial institutions. Sanction, interest rates and terms are decided by the lender. Last reviewed 5 October 2026.