For Projects That Create Value, Not Just Capture It.
At Black Props, we don't just finance property purchases—we back the builders, the developers, and the ambitious investors who create homes and reshape communities.
BlackBuild is our specialist development finance range, designed for projects that go beyond cosmetic touch-ups. Whether you're undertaking a heavy refurbishment, converting a commercial building into residential units, or breaking ground on a new development, BlackBuild provides the capital and expertise to turn plans into reality.
This isn't off-the-shelf bridging. It's construction-focused finance from a team that understands build schedules, planning constraints, contractor management, and the real-world challenges developers face on site.
Why BlackBuild?
Specialist Development Underwriting
Our dedicated development finance team lives and breathes construction projects. They assess viability, scrutinise build costs, evaluate timelines, and underwrite based on project merit—not generic templates. If your project stacks up, we'll back it.
Named Case Management + Direct Underwriter Access
Every BlackBuild client gets a named case manager who stays with you from application to final drawdown. Need to discuss variations, delays, or staging? You'll have direct access to the underwriter making decisions on your case—no intermediaries, no delays.
Loan Amounts Built for Serious Projects
From £75,000 to £3,000,000 across England, Scotland, and Wales. Whether it's a single heavy refurb or a multi-unit ground-up development, we have the capacity to fund projects that create genuine value.
Competitive Rates & Flexible Structures
Borrow up to 65% LTV with loan terms extending up to 24 months. We structure facilities around your build programme—not arbitrary timelines—and price fairly based on risk, not rigid categories.
Intelligent, Merit-Based Assessment
We assess every project individually. Complex planning histories? Non-standard construction methods? Challenging locations? If the fundamentals make sense and you have the capability to deliver, we'll find a way to make it work.
Transparent Communication Throughout
Development projects evolve. Costs shift. Timelines adjust. We get it. You'll receive clear, proactive communication at every stage—from initial offer through staged drawdowns to final completion. No radio silence. No surprises.
What BlackBuild Covers
BlackBuild is purpose-built for projects where construction or refurbishment costs exceed 50% of the property's end value. This includes:
Light Development
Small-scale projects with moderate works (also eligible for fast-track processing via BlackBridge route where appropriate)
Medium Refurbishment
Significant internal reconfiguration, layout changes, kitchen/bathroom upgrades, and structural alterations
Heavy Refurbishment
Complete strip-outs, structural work, extensions, conversions, and full property transformations
Residential Ground-Up Development
New-build homes, multi-unit developments, and ground-up residential construction projects
Commercial Ground-Up Development
New commercial buildings, mixed-use developments, and ground-up commercial construction
Key Features at a Glance
| Loan Amount | £75,000 – £3,000,000 |
| Loan-to-Value (LTV) | Up to 65% |
| Loan Term | Up to 24 months |
| Geography | England, Scotland, Wales |
| Works Threshold | Projects where works exceed 50% of property value |
| Underwriting Team | Specialist development finance underwriters |
| Case Management | Named case manager + direct underwriter access |
| Drawdown Structure | Staged releases tied to build milestones |
| Assessment Approach | Project-specific, merit-based underwriting |
Who Is BlackBuild For?
Experienced developers executing medium-to-large refurbishment projects
Property investors adding value through substantial renovation or conversion
Construction professionals undertaking ground-up residential or commercial builds
Ambitious landlords transforming distressed assets into high-performing rental portfolios
Anyone who's been told "too complex" or "too risky" by lenders who don't understand construction
How It Works
You Apply
Submit your project details, build costs, timelines, and exit strategy
We Assess
Specialist development underwriter evaluates feasibility, costs, and your track record
You Get a Decision
Clear offer with terms, drawdown schedule, and conditions
We Fund in Stages
Capital released at agreed milestones as your project progresses
You Build & Exit
Complete your project, refinance or sell, and move onto the next one
BlackBridge vs. BlackBuild: Which Do You Need?
| Your Project | Product |
|---|---|
| Quick purchase + light cosmetic works (<50% value) | BlackBridge |
| Structural changes, extensions, heavy refurb (>50%) | BlackBuild |
| Ground-up construction or new development | BlackBuild |
| Multi-unit conversion or major reconfiguration | BlackBuild |
| Light development (crossover cases) | Either route |
BlackBuild isn't just development finance—it's a partnership with people who understand what it takes to deliver a construction project on time, on budget, and profitably. We back developers who know their trade, assess projects on their merits, and move at the speed serious builders require.
Got a project that needs funding? Let's build it together.