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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 US
Why Choose Innovate Funding for Your Private Lending Needs?
At Innovate Funding, we offer more than just finance we provide strategic funding solutions tailored to your unique circumstances. As a specialist private lender with access to both in-house capital and a trusted network of high-net-worth investors, we deliver results where traditional lenders fall short.
Our expertise lies in navigating complex funding scenarios with speed, discretion, and precision. Whether you're seeking a first or second mortgage, bridging finance, or commercial property funding, we work closely with you to structure a solution that meets your timeline, risk profile, and financial objectives.
With deep industry knowledge and a client-first approach, we don’t just process loans—we provide clarity, confidence, and a direct path to the right funding.
Why Choose Innovate Funding?
10+
95
100+
5
Years of Experience
Successful Projects
Satisfied Clients
Expert Advisors
OUR SERVICES
First and Second Mortgage Loans for Your Varied Needs
Your property investment dreams can become a reality with Innovate Funding. We know traditional lending options may not always align with your goals, so we provide comprehensive, customised private lending solutions to support your aspirations.
First Mortgage Security
Experience unparalleled financial flexibility with Innovate Funding's First Mortgage Non-Bank Loans. Unlike conventional lenders, we tailor our mortgage solutions to your unique financial situation, offering competitive rates and flexible terms. This personalised approach has made us one of Australia's leading non-bank lenders, helping you easily achieve your commercial goals.
Second Mortgage Security
Financial needs often go beyond a first mortgage, so Innovate Funding offers Second Mortgage Non-Bank Loans. Whether you're looking to unlock home equity, consolidate debt, or fund major investments, our second mortgage loans provide the flexibility you need. As a trusted non-bank lending partner in Australia, Innovate Funding is here to support your diverse financial goals with solutions tailored just for you.