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Private Lending Australia for Business-Purpose Finance
Innovate Funding arranges business-purpose private loans across Australia from $50,000, secured against eligible residential or commercial property. We work with private and non-bank lending partners and can directly fund selected suitable transactions.
Choose from first and second mortgages, business bridging finance, caveat loans and short-term business funding. Indicative terms can generally be provided within 24–48 hours once we have sufficient information. Formal approval and settlement depend on lender assessment, property security, documentation and a credible repayment plan.
Speak with a private lending specialist today!
We start with the business purpose, property security, existing debt and how the loan will be repaid. This helps establish whether a first mortgage, second mortgage, bridging facility or another private lending structure is suitable.
Facilities generally start at $50,000, with typical terms of 3–12 months. Longer terms depend on lender approval. Our indicative maximum LVR is 70% for eligible residential security and 55% for eligible commercial property. For second mortgages, these are combined limits across the existing and proposed facilities, including financed interest and fees. Lower limits may apply.
Share the security address, estimated value, current secured debt, amount required and exit plan. We can then discuss a suitable structure and the information a lender will need.
About Innovate Funding
Innovate Funding is a private lending specialist based in Bondi Junction, Sydney, supporting business owners, property developers and professional referrers across Australia. We focus on finance for eligible business purposes, secured against residential or commercial property.
We arrange loans through private and non-bank lending partners and directly fund selected suitable transactions. Depending on your funding needs, security and repayment strategy, we can consider first mortgages, second mortgages, business bridging finance, and construction or development funding.
Full financial statements are not required for an initial deal assessment. We start with the business purpose, amount required, property details, existing secured debt and proposed repayment plan. We then explain the potential funding structure, relevant lender requirements and next steps.
Why Choose Innovate Funding?
10+
Years of Industry Experience
95
+
Loans Settled this year
$115m
Value of Loans
Settled this year
5
Expert Advisors
OUR SERVICES
First and Second Mortgage Loans for Business
Innovate Funding arranges property-secured first and second mortgage loans across Australia from $50,000 for eligible business purposes. We review your funding needs, property security, existing secured debts and proposed repayment strategy. Full financial statements are not required for an initial deal assessment.
First Mortgage Loans
A first mortgage loan places the lender in the first registered mortgage position over the security property. Innovate Funding considers first mortgages for eligible business property purchases, refinancing existing business debt and raising business capital.
We assess the property value, debts to be repaid, loan costs and proposed exit strategy. Approval depends on the lender’s assessment and transaction requirements.
Second Mortgage Loans
A second mortgage is an additional loan secured behind an existing first mortgage. It may allow an eligible business owner to access property equity while keeping the first loan in place.
Innovate Funding considers second mortgages for working capital, stock, equipment, business tax debt and refinancing business debt. Assessment includes combined secured exposure, funded interest and fees, first-lender requirements and the proposed repayment strategy.
Explore property-secured funding from $50,000 for eligible business purposes. The appropriate option depends on your funding needs, property security, existing secured debts and repayment strategy.
Not sure which option fits? Submit your funding scenario for an initial assessment.
Find information about property-secured business lending in your state or territory. Available funding depends on the property, location, lender and individual transaction.
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