Project finance checklist: which documents do developers need?
Before a capital provider reviews a plan, they want documents and metrics — complete and in the right order. This checklist shows exactly what banks, debt funds and private capital providers actually require, so your enquiry doesn't stall on paperwork. Free by email. Project financing for developers in Germany is assessed on the project's numbers, not just the borrower's.
Which documents do developers need for project finance?
For project finance, developers need 20 documents in four groups: the project, person and company, the key figures, and security and structure. The key figures are loan-to-cost, loan-to-value, equity ratio, pre-sale rate and expected margin. Presenting them in full keeps your enquiry from stalling on paperwork.
What's in the checklist
- Documents on the plan. Project, building rights, calculation, exit.
- Documents on person & company. Track record, equity, credit standing.
- The metrics that count. LTC, LTV, equity ratio, pre-sale, margin.
- Security & structure. Senior to mezzanine, cleanly classified.
Open the file directly — no form: Project finance checklist (PDF, 9 pages)
How many documents do developers need for project finance?
Developers need 20 documents for project finance. They cover the plan, person and company, key metrics, and security and structure.
650+ Banks compared; §34i Licensed adviser; 2016 Experience since; 89 Published case reports.
For project finance, developers need 20 documents covering the plan, person and company, key metrics, and security and structure.
What do banks, debt funds and capital providers want to see for a project? Four building blocks: documents on the plan (project, building rights, calculation, exit), documents on person and company (track record, equity, credit standing), the metrics that count (LTC, LTV, equity ratio, pre-sale, margin) and the security and structure from senior to mezzanine, cleanly classified. The document checklist.
Why compare several capital providers?
Because LTC, LTV, equity ratio, pre-sale rate and margin are weighted differently from bank to debt fund. The complete document list is set out on this page; the PDF (9 pages) comes free by email. The document checklist.
Who arranges this? Perini Finance & Property — licensed under §34c GewO for commercial property loans, 650+ banks & capital providers, we know the houses whose lending rules cover developers' projects assessed on the project's numbers, not just the borrower's. First check free.
How capital providers review your documents, step by step
Capital providers check whether building rights, calculation and exit strategy line up and whether the track record holds up. Prior projects, proof of equity and the company's credit standing determine how closely they ask questions.
- Is the plan solidly documented? Building rights, calculation and exit strategy need to line up — a gap here delays every review.
- Does the track record hold up? Prior projects, proof of equity and the company's credit standing determine how closely a capital provider will ask questions.
- Do the metrics fit the capital provider? LTC, LTV, equity ratio, pre-sale rate and margin are weighted differently from bank to debt fund — which is why comparing several capital providers pays off.
- How is the financing structured? Senior loans, subordinated tranches and mezzanine capital interlock — more on Developer & project finance.
All 20 documents at a glance
This is the complete list — none of it sits behind the form.
- Documents on the project (6 documents): Project description and location: site, use, market context; Planning status: development plan, building permit or stage of proceedings; Viability calculation with project costing and cost schedule; Cost and construction schedule; Land-register extract, site plan, declaration of division where applicable; Exit concept: sale, letting or follow-on financing.
- Person and company (4 documents): Company data: commercial register, shareholders, management; Track record with completed reference projects; Proof of equity or a commercial assets and liabilities statement; Annual accounts and BWA.
- The figures that count (6 documents): Loan-to-cost: debt against total cost; Loan-to-value: debt against value; Equity ratio; Pre-sale and pre-letting ratio; Expected project margin; Debt service capacity for existing properties.
Security and structure (4 documents)
Intended security: land charge and ranking; Capital structure: senior debt, mezzanine via partners where needed; Term and disbursement logic — drawdown against construction progress; Desired pace: standard process or bridge solution.
Lenders decide on a handful of clear points. Presenting these documents and figures in full gets you a reliable commitment faster. Brokerage of commercial property loans under §34c GewO.
Note. Based on current market practice, without guarantee — the individual capital provider's requirements are decisive. This page is guidance only and does not replace legal or tax advice. Loans for commercial purposes are brokered under the licence §34c GewO (Olga Nikushkina).
Frequently asked questions
Does the checklist also apply to smaller projects?
The structure fits any project size, but our brokerage pays off mainly for larger plans — for very small projects, processing costs are often disproportionate.
Do I already need a building permit?
No, the checklist also shows what can already be prepared during the planning phase, before the building permit.
What does your advice cost?
The initial review of your plan is free and non-binding. On a brokered financing, the commission is paid by the capital provider.
Any questions on this topic?
A first consultation is free and without obligation — the commission is, as a rule, paid by the bank. We tell you what this means for your own financing.
Related pages
The document checklist
Mortgage application documents for buyers living abroad: the full checklist and why first banks reject — plus a fillable PDF. § 34i GewO.
Developer & project finance
Property development finance in Germany: what lenders require on equity, pre-sales and structure — with examples, across 650+ banks and capital providers.
commercial assets and liabilities statement
Commercial assets and liabilities statement for a German bank: company, property, liabilities, holdings and key figures — bilingual, fillable, free PDF.
Editorially responsible: Olga Nikushkina — owner, §34i GewO (German mortgage brokerage), adviser register D-W-132-ZUCB-95. Specialised in German property financing with an international dimension: non-residents, foreign-currency income, cross-border workers, expats. Siegfried Perini is entered in the German intermediary register under this licence as a person directly involved in brokerage and advice (§ 11a GewO), active in real estate since 1992. Not legal or tax advice.