getkredit.ai — Indicative Term Sheet
Indicative Term Sheet — Subject to Formal Credit Approval
Date: —
Ref: —
Prepared for: —
Borrower & Project Details
Borrower Name—
Email—
Phone—
Project Address—
Development Type—
DA Status—
Estimated GRV (inc. GST)—
Net Realization Value—
Indicative Facility Terms
Facility Limit—
Facility TypeConstruction — Progressive Drawdown (S-Curve)
Loan Term—
Interest Rate—
Line Fee—
Application Fee—
Interest TreatmentCapitalised monthly to facility balance
RepaymentBullet — from sales settlement proceeds
Key Metrics & Covenants
LVR (on completion, net GST)—
LTC (on total dev. cost)—
Equity Required—
Total Development Cost—
Presales Coverage—
Profit on Cost—
Developer IRR (est.)—
Lenders Matched—
Indicative Funding Table
Cost ItemProject TotalDeveloperBank
Project Timeline
Land Settlement—
Pre-Construction Lead Time—
Construction Period—
Sales / Settlement Period—
Total Loan Term—
Indicative Conditions Precedent
PresalesMin. 100% of facility in unconditional presales prior to first drawdown
ValuationIndependent registered valuation acceptable to lender
QS ReportQuantity surveyor report confirming construction costs
Construction ContractExecuted fixed-price contract with licensed builder
Development ApprovalDA issued, unconditional and not subject to appeal
Important Notice: This indicative term sheet is prepared by getkredit.ai for discussion purposes only and does not constitute an offer or commitment to provide finance. All terms are indicative and subject to formal credit approval, satisfactory due diligence, independent valuation, execution of facility documentation and satisfaction of all conditions precedent. getkredit.ai is not a credit provider or Australian Credit Licence holder. Finance is arranged through licensed lenders. © 2025 getkredit.ai Pty Ltd.
Development Finance
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Borrower
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DA Status—
Project
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DA Status—
Zoning—
Revenue / GRV
GRV—
Units
Avg Price
GRV—
Presales (#)
Presales ($)
Land & Acquisition
Land Value—
Land Value
Land Cost (Paid)
Stamp Duty
Legal Costs
Existing Debt
Construction & Costs
Construction—
Build Contract
Civil Contract
Prof. Fees
Council Contrib.
Contingency
Project Mgmt
Marketing
Other
Total Costs—
Finance
Facility—
LVR%
Interest Rate%
Line Fee%
Loan Termmths
Debt Facility—
Equity Required—
Interest (est.)—
Line Fee ($)—
Total Finance—
Cash Flow
Peak Debt—
Equity Debt
Peak Debt—
Total Interest—
Total Equity—
Returns & Metrics
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LVR
—
LTC
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Profit/Cost
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Debt Cover
Dev Margin—
Margin on Cost—
Return on Equity—
Passing Yield—
Cap Rate Sensitivity
CapValueMargin%
Lender Panel
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Contact details○
Site address○
DA status○
Revenue (GRV)○
Land details○
Construction○
Timeline○
Project costs○
Funding○
Presales○
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