#1 Choice for Construction & Development Finance
in Melbourne
We help businesses access custom finance for complex construction projects, from site acquisition to construction and refinancing. Our solutions deliver results when traditional banks and brokers cannot.
Find the Right Finance Solution for Your Project
Answer a few quick questions to see how we can fund your next project even if your bank said no.
Fast, tailored funding solutions for developers, builders, and investors even when banks say no.
We work with 30+ lenders, including banks, non-banks, and private lenders
Funding Over $100M+ in Complex Development Projects
Many developers struggle to secure finance when projects exceed standard home loan structures. Bernie Lux is the trusted brokerage for:
Complex Lending Structures
Trusts, SMSFs, and self-employed borrowers.
Experienced Developers
Clients with 3–5 completed projects seeking specialized funding.
Multi-Stage Projects
Subdivisions, townhouse builds, and large-scale developments.
Tailored Finance Solutions for Equipment & Development Projects
Development & Construction Loans
Secure funding for site acquisition, builds, and subdivisions.
Multi-Equipment Loans
Bundle multiple assets to get better rates and simplify repayments.
Refinancing Solutions
Reduce repayments or free up capital for new projects.
Access to Multiple Lenders
Leverage our network for the best terms without using our own funds.
Hands-On Process
We handle all paperwork and approvals so you focus on running your business.
Why Choose Bernie Lux
Specialized Expertise
Education-Focused
We guide you through advanced lending options beyond standard home loans.
Speed & Accuracy
Hands-On Support
Speed & Accuracy
Who We Work With
Businesses and Developers Who Benefit Most
Builders scaling from standard loans to large-scale developments.
Investors with trusts, SMSFs, or complex ownership structures.
Developers with multiple completed projects needing tailored finance.
Businesses declined by traditional lenders but ready to grow.
How We Get Your Project Funded
Discovery Call & Feasibility
Assess your project, experience, and financial structure.
Tailored Funding Plan
Structure finance to match your project’s timeline and complexity.
Loan Approval
We negotiate with lenders and manage approvals efficiently.
Ongoing Guidance
Support throughout construction, drawdowns, and refinancing stages.
Learn About Construction & Equipment Financing
How construction loans work beyond standard home loans.
Why income servicing isn’t always required for build-to-sell projects.
Importance of valuations, sequencing, and feasibility modeling.
Frequently Asked Questions
Can you help if the bank declined our loan?
Yes. We specialize in multi-equipment and complex loans that traditional banks often reject.
Do you finance multiple types of equipment?
Absolutely. From trucks and earthmoving machinery to civil engineering equipment, we structure finance to suit your needs.
Do you assist self-employed business owners?
Yes. We provide tailored solutions for businesses with complex structures, trusts, and self-employed owners.
What loan sizes do you handle?
We handle small, medium, and large equipment loans, including multi-million-dollar fleet expansions.
Get Your Project Funded Today
Don’t let finance hold back your growth. Work with experts who fund what banks won’t.
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