Private lending continues to play an important role for Australian businesses that require fast access to capital outside traditional bank timeframes. This is particularly true for small business owners who need working capital quickly and cannot wait weeks for bank approvals. This case study outlines a private lending Wantirna VIC transaction where $121,000 was provided for business working capital, settling within one week on a 12 month term. This article is educational and

A first mortgage is the primary and most senior loan secured against a property. It holds first priority on the property title, meaning that in the event of a sale or enforcement, the first mortgage lender is paid out before any other lender. Because of this priority position, first mortgage loans usually have lower interest rates and lower risk compared to second mortgages or caveat loans. In private lending, first mortgages are commonly used for: refinances business-purpose

Accessing fast business finance in regional areas like Mount Gambier SA 5290 can be a challenge especially for small businesses and professional practices that don’t tick every box for the banks. We recently funded a $210,000 second mortgage loan for a growing medical practice in Mount Gambier, enabling them to purchase diagnostic equipment and hire new staff without needing to refinance their existing facility. 1.75% interest rate p/m 12-month term with capitalised interest

A short-term business loan in Australia is a fast, flexible financing option designed to help businesses respond to immediate financial needs or take advantage of time-sensitive opportunities. These loans are typically repaid over 3 to 12 months, making them ideal for short-term challenges like managing cash flow gaps, covering payroll, buying inventory, or handling unexpected expenses. With faster approval times and less paperwork than traditional bank loans, short-term loan

When time is money, private lending becomes the smarter choice. A recent deal we funded in Mosman, NSW highlights exactly why more borrowers are turning to non-bank lending when banks simply can’t move fast enough. In this case, the client needed $250,000 in working capital. And they needed it fast. Their request? A 3-day turnaround. Our team at Innovate Funding moved quickly and had everything ready within that timeframe. But as often happens, the delay wasn’t on our side. T