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Purchasing commercial property can be a lucrative business decision for business owners and investors. Commercial real estate offers strong long-term returns whether you want to expand your business operations or diversify your portfolio. However, securing the right finance for these purchases can be a significant hurdle — especially if you're dealing with traditional banks. That's where Innovate Funding comes in, providing tailored non-bank lending solutions for commercial property aims to help you secure up to 60% LVR (Loan to Value Ratio) and get your deal done in as little as 1 to 3 days.
If you're tired of waiting weeks (or even months) for bank approvals, Innovate Funding has good news: there's a faster, more flexible way to get your commercial property loan across the line.
The Problem with Banks: Why Traditional Lending Falls Short for Commercial Property Buyers
Traditional banks are often the first port of call for borrowers looking to purchase commercial property. But here's the reality — securing a commercial loan from a bank is a slow, drawn-out process with tight lending criteria that many borrowers struggle to meet. Banks typically take weeks or months to approve a commercial property loan. And for investors or businesses needing to move quickly, that can be a deal-breaker.
Here’s why banks are slow when it comes to commercial lending:
Complex Approval Process: Banks have rigid processes that involve several layers of approvals, credit checks, and risk assessments. This often involves reviewing your financials in great detail, which can delay approvals.
Strict Lending Criteria: Banks favour borrowers with perfect credit scores and extensive financial histories. If your financials aren’t spotless, your loan application might be declined or delayed.
Lack of Flexibility: Traditional lenders have strict LVR limits and policies, meaning you may not be able to borrow as much as you need — or in the timeframe required.
For businesses looking to seize an opportunity quickly, waiting for a bank's green light can mean missing out on a lucrative property deal.
How Innovate Funding Can Help You Secure Non-bank lending for commercial property
At Innovate Funding, we understand commercial property buyers' challenges in securing quick finance. Our non-bank lending solutions for commercial property are designed to bridge the gap where traditional banks fall short. We work with a network of private lenders and non-bank financial institutions to help our clients secure up to 60% LVR for commercial property purchase. Here's how we make it happen — fast.
Approval in as Little as 1 to 3 Days
Unlike banks that take weeks to assess your loan application, Innovate Funding can secure approvals within 1 to 3 days. Our streamlined process ensures you can move quickly when the right property opportunity arises.
We do this by working with private lenders who are able to make fast decisions without the bureaucracy of a traditional bank.
Flexible Lending Criteria
Banks tend to have a one-size-fits-all approach to lending, but commercial borrowers often have unique needs. At Innovate Funding, we can connect you with lenders who consider your overall business performance, asset value, and potential future earnings — not just your credit score.
This flexible approach means more borrowers get approved, even if they’ve been turned away by the banks.
Borrow Up to 60% LVR for Commercial Property Purchases
Our non-bank lending partners offer up to 60% LVR on commercial property loans. This means you can borrow up to 60% of the property’s value, making it easier to secure the property without having to provide excessive deposits.
Whether you’re buying:
Office spaces
Warehouses
Retail shops
Industrial properties
We’ve got you covered with flexible lending options.
Why Speed Matters in Commercial Property Purchases
When it comes to commercial real estate, timing is everything. In a competitive market, the ability to secure funding quickly can be the difference between winning or losing a property deal. For example:
Commercial auctions often require quick settlement times.
Sellers may prefer buyers with pre-approved finance who can settle faster.
Property prices can fluctuate, so delaying your purchase can cost you more.
With Innovate Funding’s fast non-bank lending solutions, you can act quickly and avoid missing out on prime opportunities.
What Types of Borrowers Can Benefit from Non-Bank Lending?
Non-bank lending isn’t just for those who’ve been turned away by the banks. In fact, it’s a smart solution for a wide range of borrowers, including:
Borrower Type | Why Non-Bank Lending Works |
Business owners | Quick funding for expanding operations or acquiring commercial premises |
Investors | Fast finance for property purchases in a competitive market |
Borrowers with complex financials | Non-traditional income sources like self-employed borrowers or those with multiple businesses |
Borrowers with credit issues | More flexible criteria that go beyond just credit scores |
If you fall into any of these categories, Innovate Funding can help you secure fast, flexible finance to meet your commercial property goals.
How the Process Works: Securing a Non-Bank Loan Through Innovate Funding
Here’s how easy it is to work with Innovate Funding:
Initial Consultation: We’ll assess your needs, financials, and the property you’re looking to purchase.
Matching You with the Right Lender: Using our extensive network of non-bank lenders, we’ll find a lending solution tailored to your situation.
Approval in 1 to 3 Days: Once we’ve matched you with a lender, you can get conditional approval within as little as 24 to 72 hours.
Settlement: After approval, your funds are ready to settle the property purchase — fast and hassle-free.
Why Choose Innovate Funding?
Choosing Innovate Funding means partnering with a team that understands your goals and works tirelessly to achieve fast, flexible financing solutions. Here’s what sets us apart:
Extensive Network of private lenders and non-bank institutions
Fast Turnaround Times — approvals in as little as 1 to 3 days
Personalised Service tailored to your unique financial needs
Flexible Criteria to get more borrowers approved
The Bottom Line: Don’t Let Banks Hold You Back
Purchasing commercial property is a significant investment — but you shouldn’t let traditional banks slow you down. Innovate Funding offers fast, flexible non-bank lending solutions with up to 60% LVR, helping you secure the property you need without the long wait. Whether you’re an investor or a business owner, our tailored approach can help you act quickly, seize opportunities, and grow your portfolio.
Ready to Secure Your Commercial Property Finance?
Get in touch with Innovate Funding today to discuss your non-bank lending options. With fast approvals and flexible lending solutions, we’ll help you get your deal over the line — without the headache of traditional bank delays.