Finance

Unlock Capital with Residual Stock Finance

Flexible funding for property developers with completed but unsold stock

Unsold units at the end of a development can tie up capital and slow your next move. Residual stock finance lets you release that equity — boosting cash flow, reducing pressure, and helping you fund your next project.

What Is Residual Stock Finance?

Residual stock refers to completed but unsold properties within a development. Instead of letting these units sit idle, residual stock finance turns them into working capital.

It’s a short-term, secured loan backed by the value of your unsold properties — so you can unlock cash without rushing sales or compromising on price.

How It Works

Refinance your construction loan at a lower interest rate. Use funds to support ongoing operations or future projects. Hold out for better market conditions before selling. Repay over 6–12 months as units are sold. This strategy gives you flexibility while reducing costs — especially compared to higher-interest construction loans that linger post-completion.

Why Use Residual Stock Finance?

• Improve Cash Flow
• Wait for market conditions to improve and maximise your returns.
• Use equity from your current project to secure or prepare the next.
• Swap high-interest construction loans for lower-rate, short-term finance.
• Strengthen your balance sheet and improve your liquidity position.

Why Choose Lendr?

At Lendr, we take the time to understand your unique needs and offer tailored residual stock finance solutions that help you meet your goals. Let us help you unlock the potential of your unsold stock and continue advancing your property development projects.