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Private Loans for Industries
How Our Loans Work
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Loan amounts: $50,000 – $20M+ depending on security and project.
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LVRs: Typically 50%–75% (as-is or as-if-complete valuations).
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Terms: 3–24 months; interest-only or tailored repayment structures.
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Exits: Sale of property, bank refinance, or business cashflow.
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Monitoring: QS reports for construction, regular drawdowns for progress claims.
Example Scenarios
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Childcare expansion in Sydney: Client secured $2.5M against existing freehold to purchase and fit out a second centre.
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Medical practice acquisition in Melbourne: $1.2M second mortgage to settle acquisition before bank refinance.
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Service station purchase in Queensland: Bridging facility settled in 7 business days, refinanced to a major bank within 6 months.
Frequently Asked Questions
Are these loans NCCP-exempt?
Yes. All loans are for business purposes and must be borrowed in an entity’s name, which makes them NCCP-exempt.
What documents are required?
Typically ID, council rates notice, and statements of existing debts. For construction, a QS report and costings may also be required.
How fast can Innovate Funding settle?
Indicative approval is usually within 24 hours, with settlement possible in 2–3 business days (subject to valuation and complete documents).