Construction Finance UAE — Project-Staged Drawdowns for Builds

Construction finance funds the development of commercial real estate — warehouses, offices, retail, and industrial buildings — releasing capital in stages as the project is built rather than in a single lump sum. The facility is sized against a quantity surveyor’s bill of quantities (BoQ) and a RICS-aligned cost validation, then disbursed through drawdowns tied to milestone certificates: foundations, superstructure, fit-out, and completion. Banks typically fund up to 70% of total project cost, with the developer’s equity injected first, and charge interest only on the amount drawn during the build, which protects cash flow while there is no income. On practical completion the facility usually converts into a long-term commercial mortgage (a build-to-let or owner-occupier term loan). Eligibility rests on a credible main contractor, approved drawings and permits, a realistic cost plan, and the sponsor’s financial strength. FinanceMarket.ae matches your project size, asset class, and emirate to the banks most active in construction lending and sequences the drawdown structure so capital deploys in step with the works — not ahead of them.

• Up to 70% of total project cost
• Drawdowns linked to BoQ milestones
• RICS-aligned project cost validation
• Interest-only repayment during the build phase