Zeren GY finances real-estate investment and development projects through a combination of retained earnings, short- and long-term bank loans and project finance, and pre-sales and sales revenue from units in housing projects. The amount and type of bank financing used varies depending on the availability and relative cost of bank financing on a per-project basis, the type and scope of the project, estimated construction time and estimated development cost.

Project financing is used in commercial projects to provide financing for both land purchase and project development and construction. Necessary financing for shopping mall, office, hotel or logistics projects is provided by borrowing from banks or available cash resources. The company repays the loans it uses with the income from other real estate projects in its portfolio.

In housing projects, the initial land purchase and initial stages of the development project are usually covered by secured bank loans and retained earnings. However, as is customary among real-estate development companies in Turkey, the company usually pre-sells residential units and uses funds from these pre-sale contracts to finance project construction.

The company's project finance agreements allow a grace period of one or two years before the first loan repayments begin; this gives the company the time needed to complete the project and put it into operation. Project loans are generally spread over a period of five or ten years.