uwi logo
express building image
Bridge loan for
small to medium sized developers
express building image
express building image

Express Building (EB) Financing

is a short-term developer bridge loan to quickly build a pre-sold home and scale a development pipeline

*UWI is a consultant and not the lender

When do developers use EB Financing?
express building image
Use Cases
express building image
Built Home
Bridges the bank mortgage disbursement delay to the residential developer
express building image
Home to be Built
100% construction financing to residential developers for pre-sold units with preapproved mortgages

Different ways for Developers to finance the construction of a home

Loan TypeScalableLTC (1)Max LoanAPRCollateral
Express BuildingYes100%<72% of Home Price15% - 24%POA (2)
Investor EquityNo<80%<80% of Project Cost20% - 36%n/a
ConstructionNo<80%<80% of Project Cost13% - 36%Fixed Asset
Multi-purposeNo<70%<75% of Collateral13% - 36%Fixed Asset
ContractorNo<70%<80% of Collateral13% - 36%Fixed Asset
  • (1) Loan-to-Construction Costs
  • (2) Power of attorney allowing uwi to step-in during a default to do the following:
    (1) finish construction(2) sell the unit(3) repay back lenders
Disclosure statement on Loan/Credit Transaction Document
Express Building Financing is a secured bridging loan

Express Building Loan Terms

  • Amount = 100% of approved construct budget
  • Loan term = Validity of SP3K
  • Interest-only monthly payments, principal is due at maturity

*SP3K: Surat Penegasan PersetujuanPenyediaan Kredit (Letter of Confirmation of Credit Provision Approval)


  • 1
    Developer submits business documents
  • 2
    Upon approval, Developer submits post-approval requirements
  • 3
    express building image
    Developer receives funds

Financing solutions for Indonesia's housing backlog