At Assurity Capital, we provide flexible Residual Stock Finance solutions to developers needing to refinance unsold stock after project completion. Whether you're looking to repay construction finance, release equity, or improve your cash flow while awaiting sales, our private lending options are fast, practical, and designed with developers in mind.

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What Is Residual Stock Finance?

Residual Stock Finance is a short-term loan secured against unsold residential or commercial units in a completed development. It's a solution commonly used by developers post-construction when not all stock has been sold, and there’s a need to repay the primary lender or extract working capital for the next project.

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Common Uses of Residual Stock Loans

• Repay your construction finance facility

• Refinance from a major bank or non-bank lender unwilling to extend terms

• Extract capital to fund a new development

• Provide flexibility while marketing and selling remaining units

• Avoid forced sales or discounting under pressure

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Why Use Assurity Capital?

We work with private lenders who understand the unique needs of property developers and can provide fast, common-sense funding. Our solutions are for non-NCCP loans only and are tailored for experienced investors and developers.

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• Fast Turnaround - Indicative approvals within 24–48 hours, settlement typically within 5–7 business days.

• Flexible Loan Terms - Loan terms from 3 to 12 months, with interest-only options.

• First or Second Mortgage Positions

• Finance available for both first and second mortgages, depending on your equity and exit strategy.

• Minimal Documentation - We don't need tax returns or full financials. The focus is on the security and your exit plan.

• LVRs Based on Valuation- Loans are assessed on the value of completed, unsold stock, not your original construction costs.

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Funding Criteria

• Completed residential or commercial developments

• 2 or more unsold units/lots remaining

• Properties must be strata titled or capable of being separately sold

• Business/investment use only (non-NCCP)

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Why Choose Residual Stock Finance?

Banks are often inflexible with developer exit funding, especially when sales slow or settlement dates are delayed. Private lending provides you with:

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• Breathing space to sell at market value

• Reduced pressure to discount unsold stock

• Access to equity for new opportunities

• Tailored terms to match your project timeline

• A proactive funding partner who understands development

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Partner with Assurity Capital

If you’re a developer with unsold units and your bank is pushing for repayment, speak to Assurity Capital. We offer developer-friendly funding for residual stock that protects your project’s profitability and lets you move forward confidently.