Capital Aligned
With Delivery.
Funding that draws down with your build programme — structured around delivery, not around the lender's template.
Traditional project finance treats construction as a black box: "Here's your loan. Pay it back when you're done." That creates a misalignment: the lender wants the project over; the builder wants it right.
We align capital with delivery. Money flows when you need it. Risk is shared, not just transferred to the builder.
How Capital Typically Works
(And Why It's Misaligned)
Traditional Model Structure
- Loan amount: Sized to the entire project budget upfront
- Draw schedule: Set by the lender's template, not the build programme
- Repayment: Fixed schedule regardless of how delivery is going
- Covenants: Rigid ratios that limit operational flexibility
- Security: First mortgage on land + personal guarantees
The Problems Created
- You carry interest on escrowed capital you haven't spent yet.
- You pay high-risk pricing even when late stages are low-risk.
- Lenders have limited visibility (monthly PDF report delays vs. real site data).
- Lender wants it done quickly; you want it done right. That misalignment leads to disputes.
You borrow "fully funded" and carry interest drag. Terms are inflexible because the lender lacks visibility. Incentives are completely misaligned.
What Changes With
Aligned Capital.
Aligned Capital Structure
- Capital committed: To the project, but deployed only as needed
- Draw schedule: Matches actual spend on site, month by month
- Repayment: Begins when cash flow allows, after delivery
- Covenants: Very light (the funder has real-time data visibility)
- Terms: Structured per project, discussed case by case
Why It Works
- The funder holds real-time project metrics to monitor and reduce risk.
- No huge inactive escrow account, driving capital efficiency.
- Shared incentive to deliver on time and on budget.
- Partnership dynamic rather than adversarial oversight.
Funding follows the build. Incentives are shared, covenants are light, and operations flow smoothly — with terms structured per project.
Four Capital Solutions.
We aren't a bank. We are a capital partner that integrates with the construction stack to price real risk.
Construction-Aligned Facility
- • Facility sized around your project budget (we help refine the estimate)
- • Draws match your actual spend schedule, not the lender's template
- • Repayment begins after delivery, when you're selling or leasing
- Terms are structured per project
- All commercials discussed and disclosed upfront
- Security: first mortgage on the development
- Covenants kept light — visibility replaces restriction
Co-Investment (Equity + Debt)
- • We co-invest alongside you and take a governance role
- • Third-party debt is arranged with the lender informed by our project data
- • Delivery risk is shared, not just transferred to the builder
- Terms discussed case-by-case
- Structure agreed before any commitment
- Governance: board seat or monthly steering committee
- Multi-year horizon agreed per project
Revenue-Based Financing
- • Repayments track your actual revenues rather than a fixed schedule
- • If sales are slow, payments flex; if strong, the facility retires sooner
- • Non-dilutive — you keep your equity
- Revenue share agreed case-by-case
- No hidden fees — everything disclosed upfront
- Suited to projects with strong presales or clear rental demand
- Duration agreed per project
Member Co-Investment (Ecosystem Partners)
- • We invest in your company, not just a single project
- • You gain systems, procurement and back-office support
- • Multi-project horizon — we back your pipeline as a platform
- Terms discussed case-by-case
- Every conversation starts confidential
- Governance: board participation, quarterly reviews
- Long-term partnership with agreed exit options
How Aligned Capital Differs.
The difference isn't a number — it's how the funding behaves through the life of the build.
| Dimension | Traditional Finance | Aligned Capital |
|---|---|---|
| Drawdown rhythm | Lump-sum upfront, set by the lender | Follows your actual build programme |
| Data visibility | Monthly PDF reports, weeks behind site reality | Real-time site, cost and schedule data |
| Incentive alignment | Lender wants it finished; you want it right | Delivery risk is shared, not transferred |
How To Get Funded.
A transparent 7-step process from submission to settlement. Average timeline: 6–12 weeks.
Expression of Interest
Submit a 1-page project overview, financials, and timeline. DDDI reviews project fit and risk profiles within 3 business days.
Deep Dive Assessment
Provide full project documentation (site plans, budget, team, and market analysis) for a 10-day risk and feasibility evaluation. Output: recommended structure.
Agreed Terms Sheet
DDDI and capital partners draft a detailed term sheet (rates, covenants, facility size, and exits) for mutual signature and sign-off.
Due Diligence Review
Legal and financial review conducted in parallel by DDDI, legal counsel, and third-party lenders. Supported by tax histories and prior developer credentials.
Loan & Security Documentation
Legal counsels prepare loan agreements, mortgage files, and custom equity arrangements for executive signing.
Committee Approval
Final internal board approval and lender sign-off compiled into formal written agreements.
Settlement & First Draw
Legal documentation is settled, and initial funding is wired directly into your operating accounts in line with the agreed draw schedule.
- • Complete & clear documentation → Faster (6 weeks)
- • Ambiguous records / first-time projects → Slower (12 weeks)
- • 48-hour response to initial EOI
- • Transparent written decision timelines
Let's Fund Your Project.
From structure design to funding to ongoing partnership.
Frequently Asked Questions
Q: How does DDDI earn on this?
A: Transparent. We take an arrangement fee, or equity (if co-investing), or a management fee (if on deal). All disclosed upfront. No hidden fees.
Q: What if I don't want DDDI on my board?
A: Aligned lending (Structure 01) doesn't require a board seat. Co-invest (Structure 02/04) usually does. We can negotiate light governance if you prefer (e.g., observer status).
Q: How long does approval take?
A: 6–12 weeks (see process above). Fastest is 6 weeks (clean docs, experienced team). Slowest is 12 weeks (complex project, new team).
Cyberate Investments does not hold an Australian Financial Services Licence (AFSL). Nothing on this page constitutes financial advice, a forecast, or an offer. All figures describe historical project delivery and investor retention only. Recipients should seek independent legal, financial, tax and professional advice before entering into any transaction or development agreement.