The uplift pays for the risk
Planning permission is what turns a field or a tired building into a development site. A specialist lender advances against that expected uplift, so you can control the land now and realise the value later.
Secure the site
Draw a facility to buy the land, or refinance land you already own. Leverage is set by the planning status: lower before consent, higher once it is granted.
Hold through planning
The facility carries the land while your application, appeal or promotion runs. Interest is usually rolled up, so there is nothing to service while you wait on the planning authority.
Capture the uplift
When consent is granted, the land value moves from its existing use towards its value with development potential. That uplift is the point of the deal.
Refinance or sell
Exit onto development finance to build, move to a longer term facility, or sell the consented site. The uplift is what makes the refinance or sale add up.
The result: your cash stays free while the planning work is done, the land is secured before someone else buys it, and the loan is repaid from the value that consent creates.