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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 assess the business purpose, property security, existing secured debt and proposed repayment strategy to identify a suitable funding structure.
Facilities start from $50,000, with typical terms of 3–12 months. Maximum loan amounts and longer terms are assessed individually.
For eligible residential property, first mortgages generally extend up to 65% loan-to-value ratio (LVR). Selected transactions may be considered up to 75%, depending on the property, location, accepted valuation and lender assessment.
Where suitable, we may also consider a first mortgage and an additional second mortgage to provide combined funding of 70–75% LVR. A second mortgage behind an existing lender may be considered up to 75% combined LVR against suitable residential property.
Commercial property lending is usually assessed around 50% LVR, with up to 60% considered depending on the property type, location and individual assessment.
These parameters are indicative. Lower state, location and property-specific limits may apply. Combined LVR includes the existing secured exposure and proposed facility, including any interest and fees funded within the loans. The gross facility and net funds available are assessed separately.
Submit your funding scenario with the amount required, business purpose, security address, estimated property value, existing secured debt and proposed exit strategy.
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.
Innovate Funding directly funds suitable property-secured business-purpose loans, including first and second mortgages. We generally arrange construction finance through specialist lending partners. When a transaction falls outside our internal lending scope, or our own funds cannot provide the amount or structure required, we may broker it to an appropriate private or non-bank lender. We explain the proposed funding arrangement, lender requirements and relevant costs before you commit.
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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