Surrey Multiplex Financing: Pre-Construction Steps Lenders Want to See

Financing moves faster when the story is coherent

Lenders are not only reviewing a pro forma. They are evaluating whether your scope, schedule, and team readiness are aligned. A clear package reduces back-and-forth and helps terms move forward faster.

What most lender-ready packages include

• Project summary with scope and target unit mix
• Site status (ownership, occupancy, constraints)
• Consultant and builder status
• Budget with line-item assumptions
• Contingency strategy and timeline buffer

Build a assumptions log alongside your budget

A budget without an assumptions log is difficult to evaluate. Document what is fixed, what is estimated, and what still depends on design or municipal feedback.

Clear assumptions do not remove uncertainty. They make uncertainty financeable.

Pre-close checklist for owners

Decision speed matters

If a lender asks for clarification on consultants, permits, or contingency use, respond with the same version of truth used by your architect and builder. Misaligned answers create avoidable friction.