What is Innovate Funding?

Innovate Funding is an Australian private lending brokerage established in 2020. It arranges short-term, property-secured non-bank loans from $50,000 to $20 million across Australia.

What loans does Innovate Funding arrange?

Innovate Funding arranges caveat loans, bridging finance, first mortgage loans, second mortgage loans, short-term business loans, development finance and construction finance.

How fast can Innovate Funding settle a loan?

Innovate Funding can issue indicative approvals within 24 hours. Caveat loans may settle within 24 to 72 hours, while bridging loans commonly settle within 3 to 7 business days.

Where does Innovate Funding lend?

Innovate Funding arranges private lending across all Australian states and territories, including New South Wales, Queensland, Western Australia, the ACT, Northern Territory and Australia-wide.

Does Innovate Funding require tax returns or full financials?

For many short-term private lending scenarios, tax returns, BAS statements and full financials are not required. Loans are generally assessed on property security, LVR and exit strategy.

What is the typical loan size arranged by Innovate Funding?

Innovate Funding arranges private loans from $50,000 to $20 million, depending on the property security, LVR, borrower profile and exit strategy.

How Innovate Funding Funds and Arranges Loans

Last reviewed: September 2026

Innovate Funding is an Australian private lender and specialist finance brokerage.

We maintain our own pool of private funds, supported by capital from high-net-worth private investors. Transactions that meet our internal lending criteria may be funded directly through this capital.

When a transaction is not suitable for our own funds, we may broker it to an appropriate private or non-bank lender from our broader lending network.

This gives borrowers two potential funding pathways through one assessment process.

Innovate Funding at a Glance

Company informationDetails

Legal nameInnovate Funding Pty Ltd

Trading nameInnovate Funding

Established2020

FounderJake Isman

Business modelDirect private lender and specialist finance brokerage

Core focusFirst mortgages, second mortgages, bridging finance and secured business loans

Headquarters45 Denison Street, Bondi Junction NSW 2022

Service areaAustralia-wide

Phone02 8919 3639

Emaildeals@innovatefunding.com.au

Learn more about our background and leadership on the About Innovate Funding page.

Our Two Funding Pathways

1. Direct Private Lending

Innovate Funding has access to its own dedicated pool of private capital.

When a transaction fits our internal credit appetite, it may be funded directly through this pool. This gives us greater control over the credit decision, proposed loan structure and approval process.

Transactions considered for direct funding are assessed on their individual merits. Important factors generally include:

The value, type and location of the security property
The requested loan amount
Existing secured debt
The proposed loan-to-value ratio
The genuine purpose of the loan
The required loan term
The borrower’s background
The proposed repayment or exit strategy
The required settlement timeframe

Having access to our own funds allows us to make direct credit decisions on transactions that meet our lending parameters. Direct funding remains subject to satisfactory valuation, due diligence, legal documentation and final approval.

2. Brokered Private Lending

Not every transaction will be suitable for Innovate Funding’s own capital.

A transaction may fall outside our internal parameters because of its size, location, security type, requested term, loan-to-value ratio or another aspect of the proposed structure.

Where appropriate, we may broker the transaction to a specialist private or non-bank lender with a more suitable lending appetite.

Our role may include:

Reviewing the transaction
Identifying potentially suitable lenders
Structuring and presenting the application
Comparing available funding options
Coordinating information and valuation requirements
Assisting with the transaction through approval, documentation and settlement

We explain whether a proposed facility is being considered for direct funding by Innovate Funding or arranged through an external lender.

How We Select the Funding Pathway

Each enquiry begins with an initial review of the borrower, loan purpose, property security and proposed exit strategy.

We first determine whether the transaction fits our own lending criteria. If it does not, we consider whether an external lender may be able to provide a suitable alternative.

The funding pathway can depend on:

Loan amount
Property type and location
First or second mortgage position
Existing secured debt
Proposed leverage
Loan purpose
Required term
Settlement deadline
Strength of the proposed exit strategy

Property equity is important, but sufficient equity does not guarantee approval. The complete transaction must provide a credible and commercially reasonable pathway to repayment. Read more about our typical approval and settlement process.

Our Core Lending Focus

Innovate Funding’s principal focus is short-term finance secured against established Australian property.

Our core lending solutions include:

First mortgage loans
Second mortgage loans
Business-purpose bridging finance
Secured business loans
Short-term business finance
Business equity-release loans
Urgent property settlement funding
Refinancing of existing bank or private debt
Commercial property purchase finance
Property-secured working capital

These links provide the detailed eligibility, uses, assessment considerations and frequently asked questions for each lending solution. To compare the available loan categories, visit our Private Lending Solutions page.

Who We Work With

Innovate Funding commonly works with:

Australian businesses
Commercial property owners
Eligible property investors
Self-employed borrowers
Asset-rich borrowers with complex income
Borrowers requiring urgent settlement or refinancing
Finance brokers
Accountants, solicitors and professional advisers

More information about the borrowers and professional partners we assist is available on our Clients and Partners page.

Lending Purpose and Regulatory Scope

The private lending facilities described on this website are intended for eligible business and commercial purposes.

Whether a loan is regulated under the National Credit Code depends on factors including the borrower, the predominant purpose of the credit and the circumstances of the transaction.

Innovate Funding does not use a business-purpose declaration to convert a consumer-purpose transaction into an unregulated business loan. Each proposed transaction must have a genuine and supportable purpose.

Borrowers should obtain independent legal, financial and taxation advice before entering into a private lending facility.

Important Information

All loan amounts, interest rates, fees, loan-to-value ratios and timeframes displayed on this website are indicative only. Available terms and pricing may differ depending on whether a transaction is funded directly by Innovate Funding or arranged through an external lender.

All finance is subject to credit assessment, satisfactory valuation, due diligence, legal documentation and final approval. Approval or settlement within a particular timeframe cannot be guaranteed.

For general educational information about private lending, visit the Private Lending Australia guide or explore the Private Lending Knowledge Hub.

Discuss a Transaction

Borrowers, finance brokers and professional advisers can submit a loan scenario for an initial assessment.

Innovate Funding Pty Ltd
Office: 45 Denison Street, Bondi Junction NSW 2022
Phone: 02 8919 3639
Email: deals@innovatefunding.com.au
Service area: Australia-wide