Australia's Development Capital Platform

Everything you need to deliver a development.

From finding the site to arranging finance, raising equity, funding upfront costs and refinancing on completion, Finance X provides the complete capital solution for property developers.

Most firms can arrange a loan.
We help build projects.

Finance X combines development finance, private lending, equity partnerships, investor introductions, off-market opportunities and fast access to working capital through our specialist Money X division.

Whether you're an experienced developer delivering your next project or purchasing your first development site, our team helps structure the right solution from acquisition through to completion.

One partner. Every stage.

We Help Developers
  • Find Sites
  • Secure Development Finance
  • Raise Equity
  • Source Investors
  • Access Off-Market Opportunities
  • Fund Deposits & Upfront Costs
  • Structure Joint Ventures
  • Complete Projects
Who We Help

Built around developers, investors and landowners.

Property Developers

Every sector, every scale — from first-project developers to seasoned firms delivering complex, multi-stage projects.

  • Residential
  • Commercial
  • Industrial
  • Childcare
  • SDA
  • Mixed Use
  • Land Subdivisions
  • Build to Rent
  • Hotels & Tourism
  • Master Planned Communities

Investors

Looking for quality development opportunities? We work with experienced developers across Australia and regularly introduce suitable projects to sophisticated investors seeking attractive property-backed opportunities.

Register your criteria

Landowners

Your property may be worth significantly more as a development opportunity than a standard sale. Finance X assists landowners with:

  • Development partnerships
  • Joint ventures
  • Delayed settlements
  • Structured sale agreements
  • Introductions to experienced developers
Our Ecosystem

One business. Multiple capital solutions.

Instead of engaging five different businesses, Finance X brings everything together under one roof.

Development Finance

Funding for every stage of development.

  • Acquisition Finance
  • Construction Finance
  • Residual Stock Loans
  • Mezzanine Finance
  • Preferred Equity
  • Senior Debt
  • Stretch Senior Facilities
  • Land Banking
  • Refinancing
  • Exit Facilities

Private Lending

When banks can't move fast enough.

  • Urgent settlements
  • Complex transactions
  • Non-bankable deals
  • Second mortgages
  • Bridging finance
  • Land banking
  • Short-term facilities
  • Construction facilities
  • Commercial lending
  • Large loan transactions

Money X

Fast capital for the costs banks don't fund.

  • Deposits, valuations, town planning
  • Architects, engineers, consultants
  • Council contributions, holding costs
  • Legal fees & marketing
  • Unlock capital from plant & equipment
  • Construction machinery, vehicles
  • Preserve working capital
  • Many clients keep using their equipment

Investor Network

Capital beyond traditional lending.

  • Joint Ventures
  • Equity Partnerships
  • Preferred Equity
  • Mezzanine Funding
  • Private Investment
  • Co-Development Opportunities

Developer Network

The right people matter.

  • Joint Venture Partners
  • Experienced Builders
  • Development Opportunities
  • Additional Capital Partners
  • Industry Introductions
  • Strategic Relationships

Off-Market Opportunities

Projects you won't see anywhere else.

  • Residential Sites
  • Apartment Sites
  • Townhouse Sites
  • Industrial Land
  • Commercial Development Sites
  • Childcare Sites
  • Subdivision Opportunities
  • Development Ready Land
Why Finance X

One conversation. Everything else.

The Traditional Approach

Six different businesses.

  1. 1Find a Site
  2. 2Find a Broker
  3. 3Find a Lender
  4. 4Find Equity
  5. 5Find Investors
  6. 6Find Upfront Capital
  7. 7Find Exit Finance

Multiple conversations. No central strategy.

The Finance X Approach

One conversation. Everything.

  1. 1Development Finance
  2. 2Private Lending
  3. 3Investor Introductions
  4. 4Equity
  5. 5Joint Ventures
  6. 6Off-Market Opportunities
  7. 7Money X
  8. 8Exit Finance
  9. 9Refinancing
  10. 10Strategic Advice

We coordinate the capital while you focus on building.

The Development Journey

Wherever you are in your project, we can help.

  1. Stage 1Find A Development Site
  2. Stage 2Structure The Acquisition
  3. Stage 3Arrange Debt Funding
  4. Stage 4Raise Equity
  5. Stage 5Fund Upfront Costs Through Money X
  6. Stage 6Construction Finance
  7. Stage 7Residual Stock & Exit Finance
  8. Stage 8Your Next Development

Finance X remains involved throughout the lifecycle — not just at settlement.

Why Developers Work With Us

We solve problems that prevent projects from proceeding.

  • Because we're developers' finance specialists.
  • Because we understand feasibility.
  • Because we understand project cashflow.
  • Because we understand capital stacks.
  • Because we understand timing.
  • Because relationships matter.
About Finance X

Developers deserve more than access to lenders.

Finance X was built around one belief: developers deserve more than access to lenders. They deserve access to capital, opportunities and relationships.

Over time we've built an ecosystem that combines lenders, private funders, sophisticated investors, developers, strategic partners and off-market opportunities into one integrated platform.

Today, Finance X provides developers with access to every major component required to successfully deliver a project.

Not simply finance. A complete development ecosystem.

Team

The people you'll work with.

Bren Watts
Director

Bren Watts

Bren leads Finance X's developer relationships across Australia, structuring capital solutions from site acquisition through completion.

Harry Watts
Director

Harry Watts

Harry is your first point of contact for new enquiries — quickly matching developers, investors and landowners with the right part of the Finance X ecosystem.

Contact

Let's talk about your next project.

Whether you're looking for development finance, private lending, joint venture partners, equity, off-market opportunities, construction funding, residual stock finance, capital for upfront costs — or simply want to discuss your next acquisition — Finance X is ready to help.

Use the enquiry form and Harry will get back to you personally.

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