About CPC Lending Solutions

CPC Lending Solutions is a boutique finance brokerage, specialised in arranging both commercial and residential loans for borrowers through bank and non bank lending channels.

As a licensed credit representative (CRN 542282) and a member of Australia’s leading aggregator, LMG (Loan Market Group), CPC Lending Solutions has access to a wide network of lenders, from major banks to specialised non-bank institutions. Our commitment is to secure the best loan solution tailored to your individual needs, while ensuring a smooth and swift approval process.

When you work with CPC Lending Solutions, you’re not just getting a service, you’re building a relationship. Our construction finance expert, David Lovato, alongside our residential mortgage specialist, Andrew Wallace, are there for you from start to finish, ensuring a seamless experience.

Our Services

CPC Lending Solutions provides a comprehensive range of property finance solutions:

Development Finance – Secure funding for land acquisition, subdivisions, and mixed-use projects, expertly structured to maximise profitability.
Development Refinance – Refinance your existing land loan to improve terms or unlock equity for new opportunities.
Construction Finance – Finance your building costs from start to finish with progressive drawdowns as your project reaches key milestones.
Mezzanine Financing – Access additional capital to fund multiple developments and diversify your portfolio.
Residential Lending – Whether you’re a first-time homebuyer or refinancing, CPC has access to a range of competitive mortgage products to suit your needs.
Residual Stock Finance – Extend your selling period after project completion by refinancing your construction loan with a short-term solution.
Off-the-Plan Settlement Finance – Ensure your buyers have their finances ready by facilitating pre-approval through our lending partners.

Our Mission and Values

At CPC Lending Solutions, our mission is simple: to provide bespoke, transparent lending solutions that empower both property developers and homebuyers. Our values reflect who we are and how we operate:

Transparency – We are upfront about our role as brokers, not lenders. All fees are clearly outlined from the start, fostering trust through honest communication.
Trust – Built over time through repeat business and positive experiences, trust is earned, not given. We aim to be the only broker you’ll ever need.
Confidentiality – We take your personal and project information seriously, sharing it only when necessary. With a commitment to cybersecurity, your privacy is safeguarded.
Relationship – Strong, lasting relationships are at the core of our business. Through constant communication with clients and lenders, we tailor solutions to meet unique objectives.
Confidence – We pride ourselves on delivering the best results, even for the most complex lending scenarios. Our track record of satisfied clients speaks to our confidence in getting deals financed.

Our Beginnings

CPC was founded in 2015 by David Lovato, who wanted to help property developers fund projects by tapping into the non-bank lending Australia market.

Since then, CPC’s lending panel has expanded to also include Australia’s big four banks, smaller banks as well as a diverse range of non-bank lenders, high-net-worth individuals, family offices, SMSFs and managed funds.

Why Choose CPC Lending Solutions as Your Broker?

We know the broker market is competitive, with many claiming to be the biggest or the best. At CPC Lending Solutions, we measure success by the trust we build with our clients, reflected in repeat business and referrals.

Whether you’re looking to secure finance for your next residential project or a large-scale development, CPC are here to provide exceptional brokerage services.

Partner with CPC Lending Solutions today, and experience how we deliver win-win solutions, ensuring a smooth, successful journey from application to completion.

Compliance

David Lovato is an authorised Credit Representative (Credit Representative number 542495 ) and Crowd Property Capital Pty Ltd is an authorised Credit Representative (Credit Representative number 542282) of QED Credit Services Pty Ltd (Australian Credit Licence number 387856)

Andrew Wallace is an authorised Credit Representative (Credit Representative number 561933) of QED Credit Services Pty Ltd (Australian Credit Licence number 387856)

“We were referred to CPC to secure private funding for our 8 lot land subdivision project in Thornlands, Qld. David was able to demonstrate the strong fundamentals of the project to potential lenders to achieve a quick funding offer with favourable terms allowing us to fund the project through to completion. I recommend CPC”

Raikes GroupDeveloper Testimonial

“My wife and I, both very senior citizens with modest real estate holdings, wanted to invest in partnership on a peculiar residential development and needed to mortgage one of our properties to fund the project. The banks were not interested in very senior citizen investors. CPC secured the funds with David Lovato delivering the highest level of personal, attentive service. David came to my office to personally attend the completion of on-line applications and other requirements. That level of service both impressed and surprised us”

D & J Kidron. Tamaramma NSWDeveloper Testimonial

“Outstanding service delivered in a timely fashion. David and his team at CPC have secured us excellent funding options for projects ranging from a simple 3-lot subdivision, to medium-density mixed-use developments, to high-end luxury residential. CPC has established itself as our preferred broker and will be so for many years to come as our company continues to grow. Their full suite of lenders means true low-doc funding and low-to-no presales are options at your disposal. Highly recommended”

Andrew Hatzidis - Biala PropertyDeveloper Testimonial

Frequently Asked Questions

What services does CPC offer?

CPC assists developers by analysing their proposals. We check if the development is feasible, speak to the lenders about your proposal and generally determine if there is lender appetite for your development.

We’ll discuss and suggest a lending strategy with the developer and work with them to prepare a development proposal that is accurate for the current market conditions and likely to receive funding.

We’ll then submit the proposal to lenders and manage the application process though to loan settlement and also stay engaged with the developer through the loan term to deal with any issues that may arise through construction.

What is non-bank lending?

Non-bank lending is when you receive funding for your development from any type of institution or individual that is not a registered bank.

A non-bank lender could be any specialist lender, business, family trust, high-net-worth individual or investment company that is not a registered bank.

Non-bank lenders are be more willing to invest in a project with less restrictive loan terms, than mainstream bank lenders.

What lending channels does CPC use?

CPC selects the lending channel that is most suited to the project being financed. That may be a major bank, smaller bank, non-bank lender or private investor. We are accredited with the majority of bank and non-bank lenders in the marketplace.

With some projects, CPC will source finance from multiple lending channels and structure a loan utilizing senior and junior (mezzanine) funding.

Will banks lend to property developers?

Yes. Banks will lend money to property developers, provided they believe the borrower is creditworthy and the developer’s project is viable. The terms and amount of funding will depend on the specific bank, the borrower’s financial position and the details of the project.

Why is development finance important?

Development finance is important because, without it, many property developers would not have the funds needed to build new housing and infrastructure.

Development finance is an important support for small businesses that don’t have the necessary funds to get viable projects off the ground.

As such, development finance helps expand the economy.

Legal & Compliance

Crowd Property Capital Pty Ltd (CPC)

A registered company under the Corporations Act 2001, ACN 600 539 544

An accredited member of the Finance Brokers Association of Australia (FBAA) Member No M-352808

A licensed Corporation under the Property, Stock and Business Act 2002, Corporation License No. 10065109.

A member of the Real Estate Institute of NSW (REINSW)

David Lovato (Sole Director) holds a Certificate IV in Finance and Mortgage Broking and Property Services (Real Estate Agents License No 201 604 57 )