#6: Funding Your Vision: What Developers Really Need to Know About Finance with Emma Ross

Are you a property developer, or aspiring to be one, wondering how to secure the capital you need to bring your projects to life? Then you won't want to miss this insightful episode of Hard Hat Talks!

Join host Kenneth Martin as he sits down with Emma Ross from Ross Commercial Finance, a true expert in the intricate world of property development funding. In this no-holds-barred conversation, Emma pulls back the curtain on what it really takes to get your projects financed in today's market.

Here's what you'll discover in this must-listen episode:

• The Funding Landscape in Scotland: Unpack the unique challenges and opportunities for developers north of the border, including why there are fewer lenders and what that means for your options.
• Experience vs. Expectation: Emma busts common myths about securing finance. Learn why "100% funding with no experience" isn't the easy ticket some courses promise, and understand what lenders actually look for when assessing your project.
• The Power of Due Diligence: Hear why knowing your numbers inside out is crucial. Emma shares vital advice on engaging architects and estate agents early to get accurate valuations and build costs – saving you from costly mistakes down the line.
• Beyond the Interest Rate: Discover why the "best deal" isn't just about the lowest rate. Emma explains the critical importance of lender flexibility, drawdown efficiency, and hidden fees that can make or break your project's profitability.
• Navigating Timeframes & Delays: Get a realistic look at how long finance applications truly take, from valuations to legal processes. Emma offers practical tips on what you can do to keep things moving.
• Documentation is Your Best Friend: Learn why meticulously documenting every past project, big or small, can significantly strengthen your funding applications and unlock better terms.
• The Realities of Entrepreneurship: Both Emma and Kenneth share candid insights into the drive, dedication, and sometimes relentless pace of building a successful business in the property finance sector.

Whether you're a seasoned developer or just starting your journey, this episode is packed with actionable advice and essential insights you won't find anywhere else. Emma's candid approach and deep industry knowledge will equip you with the understanding needed to approach commercial finance with confidence and secure the funding your vision deserves.

Tune in now to get the inside track on commercial finance and build your next successful project!